Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card from Kotak Mahindra Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 999 | Best for: Travel, Shopping, Dining
Estimated value per Rs 100 of eligible spend.
Kotak Royale Signature Credit Card Overview
Kotak Royale Signature Credit Card is a Kotak Mahindra Bank credit card. Base reward value is about Rs 0.25 per Rs 100 of eligible spend. Zlash checks boosted categories like dining, hotels, flights along with caps and exclusions.
Best For
Kotak Royale Signature Credit Card is most useful when your spends regularly fall into dining, hotels, flights.
Rewards
dining
2x the base reward rate.
hotels
2x the base reward rate.
flights
2x the base reward rate.
travel
2x the base reward rate.
international spends
2x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, railway transactions.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 4,00,000 in a yearly period for benefit value around Rs 1,875.
- Spend Rs 8,00,000 in a yearly period for benefit value around Rs 5,625.
Zlash Verdict
Choose this card when travel, shopping, dining match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Kotak Royale Signature Credit Card?
The listed annual fee is Rs 999.
What is Kotak Royale Signature Credit Card best used for?
Kotak Royale Signature Credit Card is most useful when your spends regularly fall into dining, hotels, flights.
Does Kotak Royale Signature Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, railway transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.