कोटक रॉयल सिग्नेचर क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Kotak Mahindra Bank Ltd.
Travel and dining card offering 4X points on restaurants, hotels, and air tickets, 8 domestic lounge visits, and ₹1 Lakh spend fee waiver.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Kotak Royale Signature Credit Card is a mid-tier travel and dining card designed for upwardly mobile executives. It provides 4X reward points on hotels, restaurants, air travel, and book purchases, paired with 8 domestic airport lounge visits and an accessible ₹1 Lakh spend waiver.
Bonus Reward Points credited upon fee payment and first card swipe within 30 days.
2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) at participating DreamFolks lounges in India.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹500 and ₹3,000 (maximum waiver of ₹3,500 annually).
Earn 10,000 bonus reward points on reaching ₹4 Lakhs annual spend; earn an additional 20,000 bonus points on reaching ₹8 Lakhs annual spend. Annual fee waiver on ₹1 Lakh spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,60,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
4X accelerated points are capped at 4,000 points per billing cycle. No international lounge visits are included on Royale Signature. Forex markup is standard 3.50%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit kotak.com/cards or open Kotak Mobile app. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select Kotak Royale Signature Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Kotak Royale Signature Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Kotak Royale Signature Credit Card into EMI?
Yes, Kotak Mahindra Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Kotak Royale Signature Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Kotak Mahindra Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against air tickets, merchandise, or cash statement credit. Please note: Reward points expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on Kotak Royale Signature Credit Card and how does it work?
The interest-free period on Kotak Royale Signature Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.