Kotak NRI Royale Signature Credit Card
Kotak Mahindra Bank
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
International spends — any purchase made outside India | 1% | No cap |
| All other spends | 0.5% | No cap |
Redemption fee: 0
Managed via Kotak Rewards portal, Kotak contact centre
Transfer partners
Live Offers
20 activeBenefits
Lounge Access
2 domestic visits/quarter
0 international visits/quarter
2 complimentary visits every quarter to select domestic lounges in India, with no spend gate — unusual among Kotak's mid-tier cards, where the Royale Signature, Zen and Mojo were all gated on ₹75,000 a quarter from June 2025. No international lounge access, which is a notable gap on a card sold to non-resident Indians.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 in a calendar year. Fuel earns no Reward Points.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | ₹1,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the advance amount, subject to a minimum of ₹500. |
| Reward Redemption Fee | 0 |
Spends That Don’t Count
Kotak leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.
Excluded from milestone spends
Toward the milestone targets above
- EducationCoaching, College fees, Online courses, School fees
- Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
- Getting aroundFuel
- InsuranceHealth, Motor, Other cover
- SubscriptionsGaming
- TravelForex card loads
- UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water
