SELECT `id` FROM `tbl_card` WHERE `title` = 'Kotak Mahindra Nri Royale Signature Credit Card' AND `card_type` = 'Credit Cards' Kotak Mahindra NRI Royale Signature Credit Card - Benefits, Rewards, Eligibility Criteria

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KOTAK MAHINDRA NRI ROYALE SIGNATURE CREDIT CARD

Kotak Mahindra Bank is one the most trusted banks for home loans. It is an Indian private sector bank and its headquarters at Mumbai. Kotak Mahindra Bank offers banking and financial services for corporate and retail customers.There are so many banks and non-banking financial companies in India that provide various financial products to the customers. These can be banking, insurance, loans or credit cards. Kotak Mahindra Finance Ltd. was established in 1985. The same got converted into a bank- Kotak Mahindra Bank Ltd. in March 2003. Kotak Mahindra Bank has presence in commercial vehicles, Retail finance, Corporate Banking, Treasury and Housing Finance.

With the Kotak NRI Royale Signature Card, you’ve found a Credit Card that gives you your biggest return as an NRI. With a host of customised features, you can enjoy benefits that are tailor-made for Indians abroad. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-. The credit card is only available to NRE/NRO customers of the bank who are either holding or willing to open a Term Deposit account of at least Rs.1 lac

Kotak Mahindra NRI Royale Signature Credit Card Features

1. On every Rs.200 spent outside India, earn 2 reward points

2. Earn 1 reward point, on every Rs.200 spent within India

3. Redeem your points against a host of redemption options like movies, air tickets, airmiles, cash and more.

4. Enjoy the benefit of paying for your purchases, travel and dining without any hassle

5. Get the cover against the fraudulent usage

6. Avail the benefits of add-on cards

7. The credit card offers a range of benefits to the NRI’s.

8. Supplementary(Add on) cards are available for your loved ones. 

9. Enjoy the convenience of paying for select category purchases in Indian Rupees. 

10. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-.

Kotak Mahindra NRI Royale Signature Credit Card Benefits  

Reward type

Travel

Airport Lounge Access

Complimentary access to Airport Lounges in India and enjoy benefits such as gourmet meals, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi.

Add on Cards 

  • Gift an add-on card to your spouse, parents or children (above 18 years) and extend the benefits of the NRI Royale Card to your loved ones

  • The add-on card would be issued irrespective of location or citizenship status

  • One-time fee of Rs. 599/- per add-on card is applicable

Railway Surcharge Waiver 

  • Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-.

Reward Points 

  • Earn 2X rewards on spends outside India; i.e. earn 2 rewards points for every Rs. 200/- spent

  • Earn 1 reward point for every Rs. 200/- spent within India

  • 1 Reward Point = Re 1/-

Fuel surcharge waiver 

  • Applicable on transactions between Rs. 500 and Rs. 3000.

  • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500.

Kotak Mahindra NRI Royale Signature Credit Card Fee and charges

To apply for a NRI Royale Signature credit card, you have to pay fees and charges applied by the Kotak Mahindra Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Kotak Mahindra Bank i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE

CHARGES

Joining Fees

Nil

Annual Fees

Rs.1000

Condition for waiver of Annual Fees - First Year

NA

Condition for waiver of Annual Fees - Second Year

NA

Addon card Fees

Rs. 599 per Add on card

Interest Charges on outstanding Balances

3.10% (Annualized 37.2%)

Minimum Amount Due

MAD can be 5% or 10% of TAD as decided by the Bank

ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof

Rs.300

Late Payment Charges ("LPC")

Rs.100 for statement o/s less than or equal to Rs.500.

Rs.500 for statement o/s between Rs.500.01 to Rs 10,000.

Rs.700 for statement o/s greater than Rs.10,000

Over Limit Charge

Rs.500

Cheque Bounce Charges

Rs.500

Foreign Currency Mark Up

3.5%

Railway Booking Surcharge (1.8%/2.5% on transaction amount)

Waived

Fuel Surcharge (1% on transaction)

Waived

Fee for Cash payment at Bank

Rs.100

Outstation Cheque Processing Fee

Waived

Reissue/ Replacement Card (per issuance)

100

Charge Slip Request

Waived

Machine Surcharge at ATMs

Waived

Balance Enquiry Charges at Non Parent Bank ATM

Waived

Duplicate Statement Request

Waived

Web Pay Service Fee

Waived

Furnishing a copy of Credit Information Report (CIBIL)

Rs.50

Kotak Mahindra NRI Royale Signature Credit Card Eligibility Criteria

Before applying for a NRI Royale Signature credit card from Kotak Mahindra Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

1. Primary Credit Card holder should be in the 18 – 75 year’s age bracket

2. Add-on Card holder should be 18 years and above

3. Only NRE/NRO account holders are eligible for the Credit Card

4. The credit limit offered can be as high as 80% of your Fixed Deposit(FD) amount

5. Minimum FD Amount - Rs. 1 lac

6. Only Individual FDs are allowed

7. Should be an NRI having an Indian residential address

Kotak Mahindra NRI Royale Signature Credit Card Documents Required

Any applicant who is applying for a NRI Royale Signature credit card from Kotak Mahindra Bank  must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement 

5. ITR or Form 16

Kotak Mahindra Bank Credit Card Login 

Cardholders of Kotak Mahindra Bank Credit Card can log in to their credit card account through following steps :

1. Login to www.kotak.com

2. Click on the “Net Banking” option

3. Enter CRN in User ID

4. Enter password or click on "Get Net Banking Password Online"

5. Click on the Credit Card Tab

6. Click on Service Requests

7. Choose “Register for eStatement”

Kotak Mahindra Bank other products

1. Kotak Mahindra Bank Car Loan

2. Kotak Mahindra Bank Home Loan 

3. Kotak Mahindra Bank Education Loan 

4. Kotak Mahindra Bank Gold Loan

How to apply for Kotak Mahindra NRI Royale Signature Credit Card

There are two reason to apply for Kotak Mahindra NRI Royale Signature Credit Card :

1. Offline Method : By visiting the nearest branch of Indusind Bank

2. Online Method 

  • Go to kotak.com and click on Explore Products > Cards > Credit Cards. A page listing all the credit cards will appear

  • Scroll down to ‘NRI Royale Signature Credit Card’ and click on ‘Apply Now’

  • An application form will appear where you have to fill personal details including the PAN Card Number and monthly income. Once you have filled the details, click on ‘Submit’ 

  • Verify your mobile number by entering the 6-digit OTP sent to your phone

  • After the verification, a representative from the bank will call you and guide you through the remaining process

Kotak Mahindra NRI Royale Signature Credit Card Customer Care

Contact number : 18602662666 / 18602660811

Email id : itsecurity.bank@kotak.com

Kotak Mahindra Bank Credit Card Payment Online 

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. 

1. Login to Kotak Net Banking

2. Select ‘Credit Card’ option from the Home Page

3. Select ‘Payments”

4. Click on ‘Make Payment’ Option

Bank offered Financials products

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

Kotak Mahindra NRI Royale Signature Credit Card Frequently Asked Questions 

1. What is a Kotak Mahindra NRI Royale Signature Credit Card?

With the Kotak NRI Royale Signature Card, you’ve found a Credit Card that gives you your biggest return as an NRI. With a host of customised features, you can enjoy benefits that are tailor-made for Indians abroad. .

2. What is the annual fee of a Kotak Mahindra NRI Royale Signature Credit Card?

The annual fee is Rs.1000 of a Kotak Mahindra NRI Royale Signature Credit Card.

3. What is the minimum and maximum age the applicant is required to get a Kotak Mahindra NRI Royale Signature Credit Card?

The minimum age of the applicant is 18 years and maximum age is 75 years to get a Kotak Mahindra NRI Royale Signature Credit Card.

4. What are the rewards points given in a Kotak Mahindra NRI Royale Signature Credit Card?

The rewards points are given in a Kotak Mahindra NRI Royale Signature Credit Card are :

  • Earn 2X rewards on spends outside India; i.e. earn 2 rewards points for every Rs. 200/- spent

  • Earn 1 reward point for every Rs. 200/- spent within India

  • 1 Reward Point = Re 1/-

5. How can I apply for a Kotak Mahindra Bank NRI Royale Signature Credit Card?

You can apply for a Kotak Mahindra NRI Royale Signature Credit Card online and offline by visiting the nearest bank branch.

6. How do I contact customer care for a Kotak Mahindra NRI Royale Signature Credit Card?

You can contact through customer care toll free number and also through e-mail id for a Kotak Mahindra NRI Royale Signature Credit Card.

7. What type of rewards are included in the Kotak Mahindra NRI Royale Signature Credit Card?

Travel rewards are included in the Kotak Mahindra NRI Royale Signature Credit Card.

8. How much interest rate is provided by a Kotak Mahindra NRI Royale Signature Credit Card?

The interest rate is 3.10% per month provided by a Kotak Mahindra NRI Royale Signature Credit Card.

9. What are the minimum and maximum late payment charges of Kotak Mahindra NRI Royale Signature Credit Card?

The minimum late payment charges is 100 and maximum charges are 700 of Kotak Mahindra  NRI Royale Signature Credit Card.

10. What is the joining fee of a Kotak Mahindra NRI Royale Signature Credit Card?

The joining fee of Kotak Mahindra NRI Royale Signature Credit Card is NIL.

Last Updated on : 01/Oct/2020

Know More About CREDIT CARDS

Kotak Mahindra Nri Royale Signature Credit Card

You're eligible for a Kotak Mahindra Nri Royale Signature Credit Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account