Royale Signature Credit Card

1860 266 2666

Local call rates apply

Get access to 600 VIP airport lounges worldwide, Fuel Surcharge waiver across all fuel pumps in India and much more with the Royale Signature Card.


Travel gets more rewarding

 Reward Points
Special Categories*4X
Other Categories2X

Earn up to 4X reward points on every Rs. 150 spent across all spends done on your Kotak Royale Signature Credit Card.

*Special Categories are Hotels |Restaurants |Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | International Spends
Note: This is applicable effective 25th Feb 2017 onwards.

Choice on Rewards

  • Accumulate your reward points and redeem them against a host of redemption options like air tickets, mobile recharge, 10,000 merchandise and much more through easyrewardz with easy points.
  • To redeem your reward points for options on easyrewardz or other attractive redemption options click here.

Travel with comfort

Airport Lounge Access

Complimentary access to Airport Lounges in India and enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi. Know more

Enhanced Security

  • In case your Credit Card is stolen, you get a cover of Rs. 2,50,000/- against fraudulent usage up to 7 days pre-reporting    
  • You are required to immediately call Customer Contact Centre (1860 266 2666) and get your card deactivated / blocked to prevent misuse and register a claim with the Insurance Company.
    Know more

Hassle free

Priority attend

  • We value your time. Instead of you trying to reach us, we will reach you.
  • SMS "KASSIST" to 5676788 and we will call back within two hours     
  • We make it easy for you to pay your monthly dues. Call for complimentary cheque pickup  

Get More

2.5% Fuel Surcharge Waiver

  • Applicable on transactions between Rs. 500 and Rs. 3000.    
  • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500.

1.8% to 2.5% Railway Surcharge Waiver

  • Save 1.8% railway surcharge waiver for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters.
  • Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-

Customers will not earn reward points on fuel and railway surcharge waiver.

Add-on Card

  • Your Add-on Card will have all the benefits that you enjoy on your card
  • Set the spend limit on your Add-on Card as you desire
  • Track spends separately for each of your Add-on Card(s)     
  • To know more about our Credit Card service charges and fees Click here
  • To apply for Add on card Click here

Featured Articles

 
  • Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 18 years and above
  • Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • Income - Rs. 25 lac and above per annum
  • Should be a resident of India
  • By invitation only

Redemption options:

Cash | Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise
  • Visit www.kotak.com
  • Click on Net Banking
  • Login using your CRN, Password & Dynamic Access Code
  • Choose Credit Cards
  • Select Reward Redemption option of your choice.
Please note: For redemption against Airline tickets / Merchandise / Mobile recharge, Reward points have to be converted to Easy Points. 2 Reward Point = 1 Easy Point.


Voucher Redemption

Air Ticket voucher is valid for 6 months from date of issuance. Below is the redemption process:
  • Visit www.mykotakrewards.com and click on redeem tab
  • Click on the air ticket voucher category.
  • Select your travel date, airline and destination.
  • Click on "Continue as a Guest" tab
  • Enter email id & mobile no
  • Enter voucher details in discount code box.
  • Make the remaining payment through your Kotak credit card & Click on Pay Now

In addition to the reward points which you will earn on every transaction, you will also be eligible for bonus reward points on achieving the below spends criteria, in an anniversary year.
MilestoneEarn Bonus Reward Points
Spend Rs. 4,00,00010000
Spend Rs. 8,00,00030000

Bonus reward points will be credited to your card account at the end of an anniversary period* as per the eligibility. Customer will be eligible for Bonus Reward Points basis only one of the Milestones at the end of the term. If someone has achieved spends of Rs. 8 Lakhs, he will be entitled to only 30,000 reward points.

* In case, your card is issued prior to 25th Feb'17, your milestone program will run from 1st Feb to 31st Jan every year.

In case, your card is issued post 25th Feb'17, your milestone program will run from the date of issuance to the next anniversary date.

Introducing a fast way to pay.

Visa payWave offers a fast, safe and secure way to pay. Just wave your Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN.

Contactless payments are safe and secure
  • You don't need to enter your PIN - just touch your card on the reader*
  • The card never leaves your hand, reducing the risk of card loss or counterfeit
  • Payments supported by multiple layers of security, which ensures that you are safe from fraudulent or unauthorized transactions.

How does the PayWave Credit Card work?

Step 1: Look for the Visa PayWave mark and contactless logo  at the point of sale.

Step 2: The cashier enters your purchase amount into the terminal. This amount will be displayed on the contactless reader.

Step 3: Tap your card over the POS at close range (less than 4 cm from where the contactless logo appears).

Step 4: Four green indicator lights or a beep sound will indicate when the transaction is complete. A message will also be displayed on the screen indicating the transaction is complete. No PIN is required.

*Please note that the requirement for PIN entry on the POS terminal at the merchant outlet is a function of country specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit.

Please note that the permissible transaction limit for usage of cards in contactless mode in India is mandated by RBI and may change from time to time based on the latest regulations. As per RBI notification on Additional Factor authentication for contactless transactions dated May 14, 2015, PIN input is not required on the POS terminal at the merchant outlet for contactless transactions up to a maximum value of Rs. 2,000 per transaction. Additionally, beyond this transaction limit, (above Rs. 2,000) the card has to be processed in Chip & PIN mode and authentication with PIN is mandatory.

FAQs

Value Chart

For Paid Card variantsAir ticket Voucher
Joining feeRs. 1499 + service tax
Joining GiftRs. 2000 Approx
Reward Points
On a monthly spend of 70000
Rs. 5000* Approx
Milestone bonus reward points
On a monthly spend of 70000
Rs 7500
2.5% Fuel Surcharge waiver
Fuel spends of Rs. 8000 per month
Rs. 2400
Annual fee waiver
(on spends of Rs 100,000 in a year)
Rs 999
Value Delivered / annum (In Rs.)Rs. 17,899/-

Important note: This is applicable effective 25th Feb 2017 onwards

Joining Gift

Joining Gifts - Paid variantDetailsCharges
Air ticket voucher worth Rs. 2000, vouchers are sent on registered mail id & mobile number post realization of joining fee. Please click on reward redemption tab to know more about voucher & redemption process1499

* Joining Gift is applicable only to certain Paid joining Fee Credit Card variants.

For free Card variantsAir ticket Voucher
Reward Points
On a monthly spend of 70000
Rs. 5000 Approx
Milestone bonus reward points
On a monthly spend of 70000
Rs 7500
2.5% Fuel Surcharge waiver**
Fuel spends of Rs. 8000 per month
Rs. 2400
Annual fee waiver
(on spends of Rs 100,000 in a year)
Rs 999
Value Delivered / annum (In Rs.)Rs. 15,899/-
Important note:
This is applicable effective 25th Feb 2017 onwards
* Calculated with assumption that Special spends will be 30% and other spends will be 70% of your monthly spends
**Customer will not earn reward points on fuel and railway surcharge waiver.

Minimal Charges; Simplified for You

ChargesKotak Flat Fees
Late Payment ChargesTotal Amount Due SlabCharges
Rs. 100 to Rs. 500Rs. 100
Rs. 501 to Rs. 10000Rs. 500
Rs. 10001 and aboveRs. 700
Over Limit ChargeRs. 500/-
Cheque Bounce PaymentRs. 500/-
Cash Withdrawal /Call a Draft /Fund Transfer(Per Rs. 10,000/- or part thereof)Rs. 300/-
Foreign Currency Mark Up3.50%
Interest Charges3.30%
Add-on CardWaived
Annual FeeRs 999/-*
Joining fee - Paid variantRs. 1499/-
Joining fee - Free variantNil
Cash Payment at BranchRs. 100/-
Card ReplacementRs. 100/-
Service tax & education cess, would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card
*Annual fee waived at an annual retail spends of Rs 100,000/-.
Register for Alerts & Services
Apply for Products
Tools & Calculators