Kotak Royale Signature Credit Card

Rewards Program

• 4 rewards points per Rs. 150 spent on hotels, airlines and air carriers, restaurants, travel agencies, tour operators, including package tour operators, and international spends
• 2 reward points per Rs. 150 spent on other categories

Rewards Redemption

You can redeem the accumulated reward points either using the Pay with Reward Points option at the POS or redeem them against the Kotak rewards catalogue for products and services like shopping, mobile recharge, brand e-vouchers, movies (as BookMyShow vouchers), travel,  and many more.

Milestone Benefits

• 10,000 bonus reward points on reaching Rs. 4 lakh annual spends
• 30,000 bonus reward points on reaching Rs. 8 lakh annual spends

Here, Kotak credit cardholders will only be eligible for any one of the above-mentioned milestone benefits, depending on their total annual spends.

Other Benefits

Lounge Benefits: Up to 8 complimentary visits every year to select Dream Folks Lounges in India, limited to 2 visits per calendar quarter

Annual Fee Waiver: On reaching annual spends worth Rs. 1 lakh

Railway Surcharge Waiver: Capped at Rs. 500 in a year and applicable on transactions made on IRCTC website or counters.

Fuel Surcharge Waiver: This waiver of up to Rs. 3,500 in a year is applicable on fuel spends worth Rs. 500 to Rs. 3,000.

Priority Attend Service: Avail on-call solutions and complimentary cheque pick-up facility.

Credit Card	Joining/Annual Fee	Key Rewards Benefits
HDFC MoneyBack+ Credit Card	Rs. 500	10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
Axis Bank Rewards Credit Card	Rs. 1,000	10X reward points on spends at departmental stores & apparel
HDFC Regalia Gold Credit Card	Rs. 2,500	5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
SBI Prime Credit Card	Rs. 2,999	5X reward points on dining, groceries, departmental stores, and movies

Fee Type	Amount Details
Joining Fee	Nil
Annual Fee	Rs. 999
Finance Charges	3.50% p.m. or 42.00% p.a.
Late Payment Charges	On Outstanding Balance of: Less than Rs. 100: Nil From Rs. 100 to Rs. 500: Rs. 100 From Rs. 501 to Rs. 1,000: Rs. 500 From Rs. 1,001 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 600 From Rs. 10,001 to Rs. 25,000: Rs. 800 From Rs. 25,001 to Rs. 50,000: Rs. 1,000 More than Rs. 50,000: Rs. 1,200

Click here for the detailed Kotak Bank credit card fees and charges and MITC.

Criteria	Details
Age	21 to 65 years
Minimum Income Required	Rs. 24 lakh per annum
Documents Required	Click here for the list of documents required for Kotak Mahindra Bank Credit Card application.