Kotak Bank Royale Signature Credit Card

The Kotak Bank Royale Signature credit card is a card which offers rewards and benefits across various categories such as dining, travel, and shopping. This Kotak Bank Credit Card comes in 2 types and you can choose one according to your budget. The interest rate which is applied on the card is 3.1% 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. For the Royale credit card variant including a joining fee, Rs.1,499 must be paid while applying for the card.

Welcome benefits:

• Get vouchers of Rs.500 when you spend Rs.10,000 or more within 60 days of the card being set up.

Key Highlights of the Kotak Bank Royale Signature Credit Card

• The first swipe of the card gives you 2 BookMyShow vouchers.
• The card has been designed to meet the needs of those who travel frequently and seek premium lifestyle privileges on their card.
• One of the two variants of the Royale Signature Credit Card has no joining fee.
• You earn 4X reward points for every Rs.150 spent on special categories like dining, travel, air tickets, and international spends. On all other categories, 2X rewards are offered.

The features and benefits of the Kotak Bank Royale Signature Credit Card are mentioned below:

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 spends 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 payment:

• 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 & railway 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.

Priority services on SMS:

• The priority attend service enables you to get a call back from the bank by sending an SMS. Just SMS ‘KASSIST’ to 5676788 and receive a call back within 2 hours.
• The service can be availed to pay monthly dues, to request a cheque pick-up and others.

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.

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