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.

Life Gets Rewarding

Annual SpendsSpecial Categories*Other Categories
Up to 5 Lacs10X5X
5lacs - 10 lacs15X10X
10 lacs & above15X15X
  • Earn up to 15X reward points on every Rs. 150 spent across all spends done on your Kotak Royale Credit Card.
*Special Categories are Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | Electric Sales | Durable Goods | Departmental Stores | International Spends
Note: This is applicable effective 15th April 2013 onwards.

Life Gets Choice on Rewards

  • Accumulate your reward points and redeem with host of redemption options like Air tickets, Mobile Recharge, 10,000 merchandise and much more through easyrewards with easy points.
  • To Redeem your Reward Points for options on easyrewards or other attractive redemption options Click Here
  • You can also redeem your rewards as cash with auto redemption where 1000 rewards will be equal to a credit of Rs. 75 on your statement every quarter. To activate auto redemption please call our Customer Contact Centre - 1860 266 2666 (24x7).

Life on the Move

Airport Lounge Access

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

Life Made Secure

  • 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

Life does not Wait

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

Life Means 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.
  • Effective 15th April, 2013 the conditions on fuel surcharge waiver have been changed. The revised condition on fuel surcharge waiver are as above.

1.8% to 2.5% Railway Surcharge Waiver

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

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

Expand All

Why should I select a Kotak Credit 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!

Whom has the Royale Signature card been designed for?

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.

What type of card is Royale?

The Kotak Royale Card is a VISA Signature card.

What is the Annual & Joining Fee for this card?

There are no annual fees on the Kotak Royale Signature Card. The one time Joining fees is Rs. 19,999/-

Is this card valid internationally?

Yes, the Kotak Royale Signature card is valid internationally.

Do I enjoy any interest free period on retail?

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.

Do I enjoy any interest free period on cash?

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.

What is the interest Rate that is applicable to me?

The interest applicable to you is 3.3% per month

When do you charge me an International mark up fee?

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.

When do you charge me an over limit charge?

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.

When do you charge me a late payment fee?

Please click here

How is the interest calculated on cash?

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 = (3.3%) * 12/365 = 0.1085%

Am I entitled for an Add on card?

Yes, Add on cards are available on Royale Signature Card. It is offered complimentary to the Kotak Royale Signature customers.

Are all the Royale features available on the Add on card?

Yes, all Royale features can be availed by the add on card holder.

What is 'Priority Attend'?

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.

Do I have to register for this service?

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 of emergency where can I call?

Incase, you feel a need to speak to a Customer care executive immediately, you could call us on 1860 266 2666 (24x7)

What is the insurance cover on the Kotak Credit Card?

On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by HDFC ERGO General Insurance Company.

What does the Insurance cover include?

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.

What does the insurance cover exclude?

HDFC ERGO General Insurance Company will not pay for any expenses or loss for:

  • Charges made on your lost or stolen credit card more than 7 days prior to your first reporting the event to Kotak Credit Cards Customer Care.
  • Charges made on your lost or stolen credit card after you first reported the event to Kotak Credit Cards Customer Care.
  • Charges made on your credit card if your credit card has not been lost or stolen;
  • Cash advances made with your lost or stolen credit card;
  • Charges incurred by a resident of your household, or by a person entrusted with your credit card.

What is the total sum insured?

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.

What do I have do, in case my credit card is lost or stolen?

  • In case your card is lost or stolen immediately call Customer Contact Center(1860 266 2666) and get your card deactivated / blocked / cancelled to prevent misuse .
  • You are required to register a claim with the Insurance Company and can contact HDFC ERGO General Insurance Company at 1800 2700 700 or send an email at for registering the claim
  • Send a copy of the Customer Dispute Form to the Bank . You can either fax us at 022-66466901 or mail a scanned copy at

How do I register the claim with HDFC ERGO General Insurance Company?

Please submit the following mandatory documents to HDFC ERGO within 7 days from day of event / loss to
register your claim -

  • Filled in Claim form
  • Filled in Dispute form
  • FIR copy

The Claim form and Dispute form can be downloaded from 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.

What happens if the Insurance Company approves my claim?

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.

What happens if the Insurance Company rejects my claim or I fail to register a claim with the Insurance Company?

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.

How much do I have to pay to access the lounge under priority pass?

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

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.

Which are the airport lounges which accept priority pass?

Priority Pass offers access to over 600 lounges, literally from Aberdeen to Zurich and at over 300 airports in between. Visit for the entire list.

What can I expect from a lounge?

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).

I normally travel business class anyway so why would Priority Pass be of use to me?

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.

My membership of Frequent Flyer programs gets me into lounges so why do I need Priority Pass?

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.

What if I am traveling with a colleague who isn't a member of Priority Pass?

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.

Can I use lounges even when I'm not traveling on business?

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.

Can I use the lounges irrespective of the airline I am flying with?

Yes. All lounges listed in Priority Pass Directory are open to all members, irrespective of the airline you fly with.

When will I receive my complimentary Priority Pass?

Your Complimentary Priority Pass will dispatched to you within 30 days of your first transaction on the Kotak Credit Card.


When will I get the joining gifts offered on the Signature credit Cards?

You will receive the joining gifts post 60 days of realization of the Joining Fees.

What is the process of redemption of the vouchers?

You will receive the vouchers after the payment of the fees

You will get the 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

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.

What are the terms and conditions on the use of the vouchers?

The voucher is only valid for purchases made offline.

These vouchers cannot be clubbed with any other offer currently live on 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. reserves the right to terminate this offer at any time without prior notice Pvt. Ltd. is the final authority on the interpretation of these rules.

What is the process of claiming the Montblanc writing Instrument?

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


What is The Taj Epicure Membership?

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.

What is the eligibility for the membership?

The Signature Card holders get a complimentary Taj Epicure Plus membership in which members would earn 25% of the bill amount.

What are the benefits I enjoy with the Taj Epicure membership?

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!

What is The Taj InnerCircle Programme?

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 .

Where can I know more about Taj Epicure Program?

For any queries relating to the program, please call the Taj InnerCircle Member Services on 022 6601 4842 or fax (022) 66352727. Or, email Details on the Program are also available at:

How would I know about my point status?

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.

What if I am already a Taj Epicure Member?

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.

Where is the waiver valid?

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.

What is the minimum/ maximum transaction amount for a single swipe?

The minimum is Rs 500 and the maximum is Rs 3000.

What is the maximum fuel surcharge waiver that I can get on a single transaction?

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).

Is there any monthly or annual cap on how much surcharge can I earn?

Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 3500

When is the waiver applicable?

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.

What is the maximum surcharge waiver that I can get?

You can earn up to Rs 500 annually as Railway Surcharge waiver.

Is the waiver applicable at the ticket booking counters as well?

2.5% surcharge waiver is applicable at booking counters as well if you use your Kotak Royale Signature card to buy the tickets.

Is there a special service offered while canceling the tickets?

No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.

Reward Redemption

Cash | Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise

  • Visit
  • 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 EasyPoints. 5 Reward Point = 1 Easy Points.

Voucher Redemption

Air Ticket voucher is valid for 6 months from date of issuance. Below is the redemption process:

  • Visit 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
Joining Gifts - Paid variant 1DetailsRs.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 2DetailsRs.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 process1499

* 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 variantsMake My Trip Vouchers
Joining feeRs 19999 + service tax
Joining GiftRs 10000 Approx
Reward Points
On a monthly spend of 60000
Rs 3510
Taj Epicure
Gold level membership
Rs 5000
Priority pass accesses
4 accesses in a year
Rs 11500
2.5% Fuel Surcharge waiver
Fuel spends of Rs. 8000 per month
Rs 2400
Value Delivered / annum (In Rs.)Rs 32,410

Important note: This is applicable effective 15th April 2013 onwards

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
Joining fee - Paid variant 1Rs. 19,999/-
Joining fee - Paid variant 2Rs. 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

Kotak No Charge Advantage

Other ChargesOther Credit Card ChargesKotak Credit Card Charges
Balance enquiry at other ATMs  
Charge slip retrieval charge  
Annual fee  
Renewal fee  
Machine surcharge at ATMs  
Charge for duplicate statement  

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