Management Co. Ltd. Kotak Securities Ltd.
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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.
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.
Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit card!
The Kotak Royale Signature card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.
The Kotak Royale Card is a VISA Signature card.
There are no annual fees on the Kotak Royale Signature Card. The one time Joining fees is Rs. 19,999/-
Yes, the Kotak Royale Signature card is valid internationally.
Yes, you enjoy an interest free period on retail transactions of up to 48 days, calculated as starting from the first day of your billing cycle till your payment due date.
The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.
The interest applicable to you is 3.1% per month
A Mark up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up.
If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs 500 in each billing cycle that you are over limit.
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Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest)
Daily rate of interest = (Monthly interest rate) * 12/365
Daily rate of interest = (3.1%) * 12/365 = 0.1019%
Yes, Add on cards are available on Royale Signature Card. It is offered complimentary to the Kotak Royale Signature customers.
Yes, all Royale features can be availed by the add on card holder.
This is a premium customer service initiative from Kotak Credit Cards for Signature customers. Under the service we offer a Priority call back, whenever you want to reach us. And also complimentary cheque pick up for payments.
Just register your mobile number with us once and then whenever you want us to reach you, all you need to do is SMS Kassist to 5676788.
Incase, you feel a need to speak to a Customer care executive immediately, you could call us on 1860 266 2666 (24x7)
On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by HDFC ERGO General Insurance Company.
If your credit card is lost or stolen, HDFC ERGO General Insurance Company will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.
Insurance is provided on both the primary card and the add-on/supplementary cards. We recommend that you read the Most Important Terms and Conditions and Cardholder Agreement for further details.
HDFC ERGO General Insurance Company will not pay for any expenses or loss for:
The sum insured is Rs.25,000.00 / 50,000 / 75,000 / 2,50,000.00 per annum for Silver, Gold, Platinum/Titanium and Signature cards respectively.
Please submit the following mandatory documents to HDFC ERGO within 7 days from day of event / loss to
register your claim -
The Claim form and Dispute form can be downloaded from www.kotakcards.com The settlement of the claim registered by you will be subject to approval of the claim by the Insurance Company after independent investigations and shall be limited to the eligible insurance amount as per your card type as mentioned. Kotak Credit cards will not be responsible for any disputes arising out of any claims. All claims will be directly handled by HDFC ERGO General Insurance Company.
If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
In case if you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
Get 4 complimentary visits to VIP Airport Lounges with Priority Pass, subsequent visits by Cardholder in excess of 4 visits & any guest visits will be levied a visit fee of USD 27 per person per visit.
Accompanying guests will be charged as per the applicable visit charges of the lounge. For details log on to www.prioritypass.com
Whilesigning the visit voucher, kindly check whether the number of guests entered is accurate. In case of no guests, strike off or mention NA.
Kindly retain a copy of the visit voucher with you.
Priority Pass offers access to over 600 lounges, literally from Aberdeen to Zurich and at over 300 airports in between. Visit http://www.prioritypass.com/Lounges/index.cfm for the entire list.
Peace. Space. Comfort. The chance to relax before the flight. Or if you wish you can use the lounge business facilities to catch up on work and stay in touch with the office. Or why not do a bit of both?
You could also enjoy complimentary refreshment and snacks (at select airport lounges), Email, Internet and conference space (at select airport lounges).
Although most of the major airlines will have their own lounge facilities at many of their destinations, this is not always guaranteed. And it is usually at the less popular destinations where an airline lounge does not exist that you need one most! Priority Pass is a great back-up in such circumstances.
As membership of Frequent Flyer programs continues to grow, many airlines are becoming more restrictive with lounge access. And remember it's not always possible to fly with your preferred airline. Priority Pass lounges don't have such restrictions and it doesn't matter which airline you are flying with.
You can invite friends or guests to join you in the lounges. Most lounges will allow any number of guests but where there are limits; details are shown in the Lounge Directory and on the lounge search. Guest visit will be charged to your credit card.
Of course. But if you are traveling with your family, please note that some lounges, particularly in the UK, do not allow access for children less than 12 years of age.
Yes. All lounges listed in Priority Pass Directory are open to all members, irrespective of the airline you fly with.
Your Complimentary Priority Pass will dispatched to you within 30 days of your first transaction on the Kotak Credit Card.
You will receive the joining gifts post 60 days of realization of the Joining Fees.
You will receive the vouchers after the payment of the fees
You will get the Makemytrip.com vouchers with unique code and validity mentioned on it within a period of 15 days from fee realization.
To avail the offer you will have to either call Makemytrip(MMT) 1860-500-5000 or call MMT's toll free number -1800-11-8687 (MTNL/BSNL) or 1800-102-8687 (Airtel) or walk into any of MMT's 22 offices across the country. List of office address and phone can be found on MMT website www.makemytrip.com
You need to inform about the voucher before transaction and submit physical copy of voucher before the finalizing booking.
At the time of confirmation MMT sales agent will enter your voucher code in their system and offer the discount of the voucher value on your transaction value.
The voucher is only valid for purchases made offline.
These vouchers cannot be clubbed with any other offer currently live on MakeMyTrip.com including cash backs, discounts etc on a particular card. But the vouchers from the Kotak - MMT set, can be clubbed together to do a single transaction.
The products and services are subject to availability
The voucher is not valid for partial redemption.
The voucher is not refundable, is transferable and has to be redeemed within its validity period and no extension of validity is allowed.
In case of cancellation made using this voucher, customer will not get any refund
The customer will not get refund on the voucher value; the customer will get refund only of the payments made over and above the voucher value. On these additional payments the standard MMT refund policies apply.
Date change, name changes are allowed. However the customer has to bear the additional charges as required.
MakeMyTrip.com reserves the right to terminate this offer at any time without prior notice
MakeMyTrip.com Pvt. Ltd. is the final authority on the interpretation of these rules.
You will receive the joining gift after the payment of the fees. Kindly carry the letter along with the Kotak Royale Signature Card to any of the nearest Montblanc Boutiques (list is mentioned at the reverse of the letter) and receive your Montblanc Writing Instrument
Taj Epicure Membership is the exclusive dinning privileges from the Taj.As a Signature card member, you will be enrolled into the 'Epicure Plan' of Taj and will earn back upto 25% of the bill every time you dine at Taj Restaurants. You will also get a Complimentary membership to the Gold tier of the Taj Inner Circle - in which you earn 1 Taj Inner Circle Point per every Rs 100 spent for stay at the Taj around the world. 1 Point is equal to Rs 10.
The Signature Card holders get a complimentary Taj Epicure Plus membership in which members would earn 25% of the bill amount.
You will receive your new membership card with the set of complimentary vouchers
Two certificates for a 50% off on the rack rate during weekends at select hotels of the Taj. (Check-in on a Friday or Saturday and check out on a Saturday or Sunday)
A certificate for 50% off on a buffet lunch at Taj Coffee Shops between Monday and Saturday
A voucher for a complimentary round of drinks at participating bars and restaurants on any evening of the week.
Buy one round - the next one's on Taj!
The Taj InnerCircle is the frequent guest programme of the Taj Hotels Resorts and Palaces. Besides a host of benefits, members earn points when they stay or stop by for a meal at one of the restaurants, at participating Taj Hotels in India and abroad. Members earn points on eligible spends on room, food and beverage, laundry, telephone and business centre.
The points are redeemable for holidays and memorable meals at the Taj and for gifts from a hand-picked selection of merchandise.
The Epicure Card members automatically become members of the Inner Circle membership also .
to keep you posted on your Points, Taj Epicure team will send you a monthly e-statement to you. You can also call up the Epicure Call Centre.
You would receive a new membership Card with a certificate for 50% off on a buffet lunch at Taj Coffee Shops between monday and Saturday. You would also receive the set of Vouchers.
Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but Kotak Aqua Card will offer the customer fuel surcharge waiver across all domestic petrol pumps.
The minimum is Rs 500 and the maximum is Rs 3000.
The maximum transaction amount for a single swipe is Rs 3000. Hence the maximum surcharge waiver can be Rs 75 (2.5% of Rs 3000).
Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 3500
On purchasing of rail tickets online the customer levied a 1.8% surcharge and a delivery charge of Rs 30. Kotak Royale Signature card offers you a Railway Surcharge Waiver on this.
You can earn up to Rs 500 annually as Railway Surcharge waiver.
2.5% surcharge waiver is applicable at booking counters as well if you use your Kotak Royale Signature card to buy the tickets.
No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.
|Annual Spends||Special Categories*||Other Categories|
|Up to 5 Lacs||10X||5X|
|5lacs - 10 lacs||15X||10X|
|10 lacs & above||15X||15X|
Cash | Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise
Please note: For redemption against Airline tickets / Merchandise / Mobile recharge,Reward Points have to be converted to EasyPoints. 5 Reward Point = 1 Easy Points.
Air Ticket voucher is valid for 6 months from date of issuance. Below is the redemption process:
|Joining Gifts - Paid variant 1||Details||Rs.19,999|
|Get Make My Trip vouchers worth Rs. 10,000 as a joining gift||Vouchers worth Rs. 10000/-|
|25% savings on spends at Taj Restaurants & Bars|
Priority Pass gives you access to over 600 VIP lounges in more than 100 countries and 300 cities worldwide.
Excess of 4 visits to VIP Airport Lounges with Priority Pass, subsequent visits by Cardholder in excess of 4 visits & any guest visits will be levied a visit fee of USD 27 per person per visit.
The Priority Pass is valid for one year. The complimentary access is only for Primary holder of Kotak card & not for accompanying guests.
|Joining Gifts - Paid variant 2||Details||Rs.1499|
|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 process||1499|
* Joining Gift is applicable only to certain Paid joining Fee Credit Card variants.
Important note: This is applicable effective 15th April 2013 onwards
|Option - For Paid Card variants||Make My Trip Vouchers|
|Joining fee||Rs 19999 + service tax|
|Joining Gift||Rs 10000 Approx|
On a monthly spend of 60000
Gold level membership
|Priority pass accesses|
4 accesses in a year
|2.5% Fuel Surcharge waiver|
Fuel spends of Rs. 8000 per month
|Value Delivered / annum (In Rs.)||Rs 32,410|
Important note: This is applicable effective 15th April 2013 onwards
|Charges||Kotak Flat Fees|
|Late Payment Charges||Total Amount Due Slab||Charges|
|Rs. 100 to Rs. 500||Rs. 100|
|Rs. 501 to Rs. 10000||Rs. 500|
|Rs. 10001 and above||Rs. 700|
|Over Limit Charge||Rs. 500/-|
|Cheque Bounce Payment||Rs. 500/-|
|Cash Withdrawal /Call a Draft /Fund Transfer(Per Rs. 10,000/- or part thereof)||Rs. 300/-|
|Foreign Currency Mark Up||3.50%|
|Joining fee - Paid variant 1||Rs. 19,999/-|
|Joining fee - Paid variant 2||Rs. 1499/-|
|Joining fee - Free variant||Nil|
|Cash Payment at Branch||Rs.75/-|
|Service tax & education cess, would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card|
|Other Charges||Other Credit Card Charges||Kotak Credit Card Charges|
|Balance enquiry at other ATMs|
|Charge slip retrieval charge|
|Machine surcharge at ATMs|
|Charge for duplicate statement|