Kotak Royale Signature Credit Card
Kotak Mahindra Bank · Reward Points · Reward Points
This comprehensive guide covers the Kotak Royale Signature Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Kotak Royale Signature Credit Card from Kotak Mahindra Bank offers reward points rewards redeemable as reward points. Top earning categories include 6x reward points on dining, travel and entertainment and more. Cardholders receive lounge access at select airports. Annual fee is ₹2,000 (waived on spends of rs. 3,00,000 per year).
Best for: Dining, Travel, Entertainment, General Online
Official product page → Official rules →
Waiver: Waived on spends of Rs. 3,00,000 per year
Reward Rules
- 6 pts/$100 6x Reward Points on dining, travel and entertainment
- 2 pts/$100 2x Reward Points on all other spends
Important Notes
- Premium card with golf membership and lounge access.
- 6 domestic airport lounge visits per year.
- Comprehensive travel insurance included.
- Concierge service available.
- Annual fee waived on spends of Rs. 3L per year.
Lounge Access
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Kotak Royale Signature Credit Card vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the Kotak Royale Signature Credit Card for its bonus categories: Dining, Travel, Entertainment, General Online, Electronics Accessories.