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The Royal Signature Kotak credit card is one of the popular offerings from the company and is aimed at those who travel frequently, dine outdoors, and love to shop. With up to 4X reward points on select categories and other perks, the Kotak Royale Signature credit card allows you to fund all your leisurely activities, whilst earning points the whole time.

Features & Benefits

Annual Fee Waiver

With the Kotak Royale Signature credit card, you can get a fee waiver for your first year if you spend  ₹1 Lakh or more on the card.

Ease of Contactless Payments

You can use the Visa PayWave technology that the card is equipped with to carry out seamless contactless payments at places that accept them. If the transaction amount is less than  ₹2,000, you are notREAD MORE even required to use a PIN. READ LESS

Cover against Fraud

Credit card companies understand that sometimes fraud can occur, not at the behest of the card owner. Therefore, the Kotak Royale Signature Credit Card comes with cover against fraudulent transactions READ MOREof up to ₹2.5 Lakhs if the card is lost or stolen. READ LESS

Priority Service on SMS

This card also offers priority service through which you can get a call back simply by sending an SMS with the text “KASSIST” to 5676788, within two minutes.

Eligibility Criteria

To provide you with the loan, the company must make sure that you meet certain eligibility criteria:

  • Minimum Age: 21 years

  • Maximum Age: 65 years

  • Location: Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune, and Mumbai

  • Annual Income: Over ₹24 Lakhs

How to Apply for Kotak Royale Signature Credit Card

You can also apply for the Royal Signature Kotak credit card through the bank’s website or third-party providers. Please note that the Kotak Royale Signature credit card is not available on the Bajaj Markets website, and will have to be purchased on the company’s website.

Fees & Charges



Interest Rate

3.4% per month, or 37.2% per year.

ATM Withdrawal Fee


Joining fee

For the paid variant, the joining fee is ₹1,499. For the free variant of the Kotak Royale Signature card, there is no joining fee. 

Card Replacement


Late Payment Charge

If the statement amount is :

  • Less than ₹500: ₹100
  • Between ₹500 and ₹10,000: ₹500
  • ₹10,000 or above: ₹700

Over limit charges


Charge to add-on card

No charge

Annual Charges

  • Free Variant: ₹999
  • Paid Variant: ₹999

Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details.

Kotak Royale Signature Credit Card Customer Care

In case you have a problem with your Royal Signature Kotak credit card or with its Royale Signature Kotak credit card reward points redemption process, you reach out to the customer care department to have your query resolved. 


You can contact Kotak Credit Card customer care on 1860 266 266 to get your query resolved. This number can also be used to request that your card be deactivated if it is stolen or lost.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

What is Kotak Mahindra Bank Royale Signature credit card?

The Kotak Royale Signature Credit Card is one of the many offerings from the company that allows you to get points on expenditure on travel, restaurants, and more. Credit cards can be used by customers to facilitate their expenses and then repay the bill.

What is the Kotak Royale Signature Credit Card limit?

The credit limit on the Kotak Royale Signature credit card depends on the customer’s income etc, and other factors such as whether they want the ability to spend internationally or not.

What is the Kotak Royale Signature Credit Card statement?

A credit card statement provides you with a historical record of the actions taken on your credit card during a certain period.

What are the key features of the Kotak Royale Signature Credit Card?

The card offers a range of features such as:

  • Complimentary airport lounge access

  • Accelerated reward points on specific categories

  • Milestone benefits

  • Fuel surcharge waivers

  • Concierge services

How can I apply for the Kotak Royale Signature Credit Card?

You can apply for the Kotak Mahindra Bank Royale Signature Credit Card by: 

  • visiting the bank's official website

  • filling out the online application form

  • contacting the bank's customer service helpline for assistance

What are the eligibility criteria for the Kotak Royale Signature Credit Card?

The eligibility criteria typically include factors such as age, income, credit score, and other financial parameters. Applicants must meet the bank's specified criteria to qualify for the credit card.

How can I get complimentary airport lounge access with the Kotak Royale Signature Credit Card?

To get complimentary airport lounge access, simply present your Kotak Mahindra Bank Royale Signature Credit Card at participating airport lounges. The number of visits and lounge access privileges may vary based on the card's terms and conditions.

How do I redeem reward points earned on the Kotak Royale Signature Credit Card?

You can redeem reward points earned on the Kotak Mahindra Bank Royale Signature Credit Card through the bank's rewards redemption portal or customer service helpline. Redemption options may include merchandise, vouchers, travel bookings, or statement credit, depending on the card's rewards program.

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