All Cards
visasignaturecredit
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
travelshopping
Annual Fee
₹999
Joining Fee
Nil
Base Reward
2% points
Foreign Markup
3.5% on all foreign currency spends
Fee Waiver
Waived on ₹1L annual spend
Interest Rate
3.4% per month
Product Highlights
- No joining fee
- Earn up to 30,000 bonus Reward Points every year based on your spends
Rewards
You get 2 Reward Points for every ₹150 spent. You earn 4 Reward Points per ₹150 spent on selected categories like restaurants, international spends, airlines, hotels, etc.
Redemption
1 Reward Point = ₹0.1875
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 4%(4 Reward Points per ₹150 spent) | No cap |
dining | 4%(4 Reward Points per ₹150 spent) | No cap |
shopping | 2%(2 Reward Points per ₹150 spent) | No cap |
Benefits & Features
Domestic: 2 complimentary access to domestic lounges per quarter (Available through the Visa Lounge Access Program.) Complimentary access to domestic lounges.
Fees & Charges
Annual Fee₹999
Joining FeeNil
Fee WaiverWaived on ₹1L annual spend
Foreign Markup3.5% on all foreign currency spends
Interest Rate3.4% per month
Cash Advance₹300 per ₹10,000 withdrawn
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹24,00,000
Available Networks
visa
Pros & Cons
Pros
- 2 Reward Points per ₹150 spent
- 4 Reward Points for every ₹150 spent on selected categories
- Complimentary airport lounge access
- 1% fuel surcharge waiver
Cons
- No welcome benefits
- No international lounge access
Additional Info
Important note 1
Note 2
Excluded Categories
fuelrailway transactions
Partner Merchants
restaurantshotelsairlinestravel agencies