SELECT `id` FROM `tbl_card` WHERE `title` = 'Kotak Mahindra Royale Signature Credit Card' AND `card_type` = 'Credit Cards' Kotak Mahindra Royale Signature Credit Card - Benefits, Rewards, Eligibility Criteria, Features, Login, Online apply application form

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KOTAK MAHINDRA 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.

Earn reward points when you shop with your Kotak Royale Signature Credit Card and redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. It offers good rebates in travel and living, dining and lifestyle Read on to know more about Kotak Royale Signature Credit Card offers. The interest rate which is applied on the card is 3.40% per month along with no joining fee and an annual fee of Rs.999 which is waived off if your annual spends are more than Rs.1 lakh. 

Kotak Mahindra Royale Signature Credit Card Features

1. Get add-on credit cards for your family members.

2. Annual fee waiver at Rs.100000 spend with your credit card

3. We offer railway surcharge waiver upto Rs.500 annually

4. We offer railway surcharge waiver upto Rs.3500 annually

5. Insure your credit card and get cover up to Rs.250000 in case of theft or loss

6. We provide airport lounge access, comfortable seats and many more additional perks

7. Enjoy reward points on spends done against every Rs.150 spent

8. We provide on-call solutions and complimentary check pickup facility

9. One of the two variants of the Royale Signature Credit Card has no joining fee.

10. The first swipe of the card gives you 2 BookMyShow vouchers.

Kotak Mahindra Royale Signature Credit Card Benefits 

Reward type

Travel, Dining and Lifestyle

Travel benefits 

You get 2 complimentary airport lounge visits per quarter to domestic airports. Also get unlimited paid access for yourself and accompanying guests. You can enjoy various benefits offered by the lounges including a gourmet meal, TVs, newspapers and magazines, free Wi-Fi and others.

Annual fee waiver

If the annual retail spend in a calendar year is Rs.1 lakh, the annual fee will be waived off for both paid and free variants.

Milestone reward points

Spend Rs.4 lakh in an anniversary year and earn 10,000 bonus reward points. For spending Rs.8 lakh, you will earn 30,000 reward points. The bonus reward points will be credited at the end of the anniversary year.

Contactless payments 

With Visa payWave technology you can simply tap the card at the card reader to process the transaction. Transactions below Rs.2,000 can be processed without entering the PIN through the payWave card.

Fuel surcharge waiver 

  • You can avail 1% fuel surcharge waiver on all the fuel transactions valued between Rs.500 and Rs.3,000. The maximum waiver is capped at Rs.3,500 per calendar year.

  • You can also enjoy railway surcharge waiver which is typically charged on railway ticket bookings made using credit cards. The maximum waiver amount is capped at Rs.500 per year.

Add on cards

You can apply for add-on cards that will have the same benefits as the primary card. Also, you can set the spending limit and track spends on each card separately.

Cover against fraudulent transactions

Cardholders get Rs.2.5 lakh cover against fraudulent use of the credit card in case of loss or theft of the card. Fraudulent transactions of up to 7 days before reporting the loss of card will be covered.

Reward points 

4X reward points for every Rs.150 billed to the card for special categories like dining, travel, air tickets, and international spends.

In all other categories, 2X rewards are offered.

Kotak Mahindra Royale Signature Credit Card Fee and charges

To apply for a 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 fee (paid variant)

Rs.1,499

Joining fee (free variant)

NIL

Annual fee (paid variant)

Rs.999

Annual fee (free variant)

Rs.999

Interest Charges

3.40% per month or 37.2% per annum

ATM cash withdrawal fee, call-a-draft fee, and find transfer fee

Rs.300

Add-on card fee

NIL

Card replacement charges

Rs.100

Foreign currency mark-up

3.50%

Late payment charges

For statement amount less than Rs.500 - Rs.100

For Rs.500.01 to Rs.10,000 - Rs.500

Above Rs.10,000 - Rs.700

Over limit charges

Rs.500

Cheque return charges

Rs.500

Credit card bill payment at bank branches

Rs.100

Reissue or replacement of the card

Rs.100

To get a copy of Credit Information Report (CIBIL)

Rs.50

Kotak Mahindra Royale Signature Credit Card Eligibility Criteria

Before applying for a 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. You are aged between 21 to 65 years and the supplementary cardholder is at least 18 years of age.

2. You are a resident of India and reside at any of the following locations including Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune and Mumbai.

3. Your annual income is at least Rs.24 lakh.

Kotak Mahindra Royale Signature Credit Card Documents Required

Any applicant who is applying for a 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 Royale Signature Credit Card

There are two reason to apply for Kotak Mahindra  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 ‘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 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 Royale Signature Credit Card Frequently Asked Questions 

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

Earn reward points when you shop with your Kotak Royale Signature Credit Card and redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. It offers good rebates in travel and living, dining and lifestyle Read on to know more about Kotak Royale Signature Credit Card offers. 

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

The annual fee is Rs.999 of a Kotak Mahindra Royale Signature Credit Card.

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

The minimum age of the applicant is 21 years and maximum age is 65 years to get a Kotak Mahindra Royale Signature Credit Card.

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

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

  • 4X reward points for every Rs.150 billed to the card for special categories like dining, travel, air tickets, and international spends.

  • In all other categories, 2X rewards are offered

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

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

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

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

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

Travel, Dining and Lifestyle rewards are included in the Kotak Mahindra Royale Signature Credit Card.

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

The interest rate is 3.40% per month provided by a Kotak Mahindra Royale Signature Credit Card.

9. What are the minimum and maximum late payment charges of Kotak Mahindra League Platinum Credit Card?

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

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

The joining fee of Kotak Mahindra Royale Signature Credit Card is paid variant is Rs.1499 and fee variant is NIL.

Last Updated on : 01/Oct/2020

Know More About CREDIT CARDS

Kotak Mahindra Royale Signature Credit Card

You're eligible for a Kotak Mahindra 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