Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Hotels, restaurants, travel agencies and tour operators, package tour operators, airlines and air carriers | 0.67% | No cap |
| All other spends | 0.33% | 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 DreamFolks lounges in India. With effect from 1 June 2025 access is gated: the cardholder must spend ₹75,000 or more in a calendar quarter to unlock lounge access in the next quarter, so a new cardholder gets nothing in their first quarter. No international lounge access.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹3,500 in an anniversary year with effect from 1 June 2025. Fuel earns no Reward Points.
Milestone Benefits
Not every spend counts toward these targets — see what is excluded.
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 | ₹1,499/yr |
| Renewal Fee | ₹999/yr |
| Fee Waiver | Spend ₹1,00,000/year |
| 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 the fee waiver
Toward the ₹1,00,000/year waiver
- 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
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
