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Kotak Royale Signature Credit Card

Name: Kotak Royale Signature Credit Card
Brand: Kotak
Price: 3000 INR

Kotak

7.3

CardTrail Score

Very Good

out of 10

💰 Net Value

6.2

🔓 Accessibility

6.2

⚡ Feature Depth

5.0

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

₹3,000

Spend ₹3L/year

Forex Markup

3.5%

Reward Rate

Up to 4%

Lounge Access

domestic | 2 intl

About This Card

The Kotak Royale Signature Credit Card is a premium credit card from Kotak with an annual fee of ₹3,000. It delivers a solid 1.0% reward rate on all spends. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for dining enthusiasts and frequent travellers.

Pros & Cons

Pros

Competitive 1.0% reward rate
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases
Attractive welcome bonus: 3,000 Kotak Rewards

Cons

₹3,000 annual fee may not suit light spenders
3.5% forex markup is above average
Income eligibility: ₹9L+ per annum

Fee Details

Annual Fee

₹3,000

Joining Fee

₹3,000

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Kotak Rewards

Welcome Bonus

3,000 Kotak Rewards

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Key Highlights

+ Annual fee ₹3,000 (waiver: Spend ₹3L/year)
+ 1.0% reward rate on all spends
+ 4 domestic lounge visits per year
+ Fuel surcharge waiver at all pumps

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