{"id":84128,"date":"2026-01-08T17:08:27","date_gmt":"2026-01-08T11:38:27","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84128"},"modified":"2026-01-08T17:08:31","modified_gmt":"2026-01-08T11:38:31","slug":"kotak-royale-signature-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/kotak-royale-signature-credit-card\/","title":{"rendered":"Kotak Royale Signature Credit Card: Features and Benefits"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 4 reward points per \u20b9150 on travel, dining, hotels and international spends.&nbsp;<\/li>\n\n\n\n<li>Comes with an annual fee of \u20b9999, which can be waived off.&nbsp;<\/li>\n\n\n\n<li>Earn up to 30,000 bonus reward points on annual spends of \u20b98 lakh.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>If travel, dining, and lifestyle upgrades are a regular part of your spending, the <strong>Kotak Royale Signature Credit Card<\/strong> fits right in. <\/p>\n\n\n\n<p>It rewards you every time you book flights, stay at hotels, dine out or plan a holiday. Read on to know all about what this credit card entails.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#key-privileges-of-kotak-royale-signature-credit-card\">Key Privileges of Kotak Royale Signature Credit Card<\/a><\/li><li><a href=\"#kotak-royale-signature-credit-card-rewards-redemption\">Kotak Royale Signature Credit Card Rewards Redemption<\/a><\/li><li><a href=\"#other-benefits-of-the-kotak-royale-signature-credit-card\">Other Benefits of the Kotak Royale Signature Credit Card<\/a><\/li><li><a href=\"#fees-and-charges-of-the-kotak-royale-signature-credit-card\">Fees and Charges of the Kotak Royale Signature Credit Card<\/a><\/li><li><a href=\"#who-should-opt-for-the-kotak-royale-signature-credit-card\">Who Should Opt for the Kotak Royale Signature Credit Card?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"key-privileges-of-kotak-royale-signature-credit-card\"><strong>Key Privileges of Kotak Royale Signature Credit Card<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"406\" height=\"271\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Royale-Signature-Credit-Card.webp\" alt=\"Kotak Royale Signature Credit Card\" class=\"wp-image-84198 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Royale-Signature-Credit-Card.webp 406w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Royale-Signature-Credit-Card-300x200.webp 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Royale-Signature-Credit-Card-150x100.webp 150w\" sizes=\"auto, (max-width: 406px) 100vw, 406px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>Here are a few <strong>Kotak Royale Signature credit card benefits<\/strong> you need to know about:<\/p>\n<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a milestone benefit of up to 30,000 bonus reward points on annual spends of \u20b98 lakh or 10,000 reward points on annual spends of \u20b94 lakh.<\/li>\n\n\n\n<li>Get accelerated 4 points for every \u20b9150 spent across categories such as restaurants, hotels, travel agencies and tour operators, airline and air carriers, international spends and package tour operators.<\/li>\n\n\n\n<li>Earn 2 reward points on every \u20b9150 spent across the other eligible base categories.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-royale-signature-credit-card-rewards-redemption\"><strong>Kotak Royale Signature Credit Card Rewards Redemption<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The bonus points you earn are credited to your account at the end of the anniversary period, provided you are eligible.<\/li>\n\n\n\n<li>If your card is issued before 25th Feb, 2017, your milestone program will run from 1st Feb to 31st January every year.<\/li>\n\n\n\n<li>If your card is issued post-25th February 2017, the milestone program will run from the date of issuance till the next anniversary date.<\/li>\n\n\n\n<li>Effective from 1st June, 2025, any spends on Utility, Fuel, Wallet Load, Insurance, Online Skill-Based Gaming, Education, Rent and Government are not considered towards the calculation of milestone benefits.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-benefits-of-the-kotak-royale-signature-credit-card\"><strong>Other Benefits of the Kotak Royale Signature Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kotak Royale Signature credit card lounge access<\/strong> offer includes 2 complimentary domestic visits per quarter to select Dream Folks Lounge in India.<\/li>\n\n\n\n<li>Avail a 1% fuel surcharge waiver, which is applicable on transactions that range between \u20b9500 and \u20b95,000. This allows you to get the maximum fuel surcharge waiver of up to \u20b93,500 in an anniversary year.<\/li>\n\n\n\n<li>Get a railway surcharge waiver of 1.8% for transactions on the IRCTC platform and on Indian Railways Booking Counters. The maximum railway surcharge waiver which you can avail yearly is \u20b9500.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fees-and-charges-of-the-kotak-royale-signature-credit-card\"><strong>Fees and Charges of the Kotak Royale Signature Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Charges&nbsp;<\/strong><\/td><td><strong>Amount&nbsp;<\/strong><\/td><\/tr><tr><td>Joining Fees<\/td><td>\u20b91,499<\/td><\/tr><tr><td>Annual Fees&nbsp;<\/td><td>\u20b9999<\/td><\/tr><tr><td>Interest Charges on Outstanding Balance&nbsp;<\/td><td>3.75% (monthly)<\/td><\/tr><tr><td>ATM Cash Withdrawal Fees<\/td><td>2.5% of the Advance Amount<\/td><\/tr><tr><td>Foreign Currency Markup Fee<\/td><td>3.5%<\/td><\/tr><tr><td>Fee for Cash Payment at Bank<\/td><td>\u20b9100<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-should-opt-for-the-kotak-royale-signature-credit-card\"><strong>Who Should Opt for the Kotak Royale Signature Credit Card?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are someone who spends frequently on dining and shopping, the <strong>Kotak Royale Signature credit card<\/strong> is ideal for you.<\/li>\n\n\n\n<li>If you prefer redeeming reward points instead of cashback points, this credit can be a great option.<\/li>\n\n\n\n<li>People who are looking for a card that rewards accelerated travel spending should also get this credit card.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"terms-and-conditions-associated-with-kotak-royale-signature-credit-card\"><strong>Terms and Conditions Associated with Kotak Royale Signature Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can redeem your reward points across a wide variety of categories such as shopping, mobile recharge, movies (BookMyShow), e-vouchers and more.<\/li>\n\n\n\n<li>When redeemed as cashback, each reward point is worth \u20b90.20.<\/li>\n\n\n\n<li>You require a minimum of \u20b92,000 worth of reward points for a cash value redemption.<\/li>\n\n\n\n<li>For shopping and mobile recharges, each reward point is worth \u20b90.25 on redemption.<\/li>\n<\/ul>\n\n\n\n<p><em>Having trouble paying your due credit card bills on time? Get the <\/em><a href=\"https:\/\/piceapp.com\/\"><em>Pice app<\/em><\/a><em> for a seamless and hassle-free credit card bill payment process.<\/em><\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Footnote: <\/strong><\/p>\n\n\n\n<p>Depending on the Payment Due Date, the interest-free credit period of the <strong>Kotak Royale Signature credit card<\/strong> can range up to 51 days.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1767705834416\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I earn rewards on fuel spent with my Kotak Royale Signature credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>This credit card does not offer reward points on select categories, including rent, wallet load, online skill-based gaming spends and fuel.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767705877873\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What to do if I lose my Kotak Royale Signature credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If your card is stolen or lost, you need to immediately report it to Kotak Mahindra Bank either via net banking or by mobile banking.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767705887007\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are the annual fees of the Kotak Royale Signature credit card waivable?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the annual fees of the <strong>Kotak Royale Signature credit card<\/strong> are waivable. You can waive off your annual fees on yearly retail spends of \u20b91 lakh.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767705896473\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the spending limit of the Kotak Royale Signature credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can set the spending limit of your add-on card as you desire. Track your add-on card spending separately for each of your add-on cards.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways: If travel, dining, and lifestyle upgrades are a regular part of your spending, the Kotak Royale Signature Credit Card fits right in. It rewards you every time you book flights, stay at hotels, dine out or plan a holiday. Read on to know all about what this credit card entails. Key Privileges of [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":84234,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84128"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84128\/revisions"}],"predecessor-version":[{"id":84235,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84128\/revisions\/84235"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84234"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}