Kotak Royale Signature credit card

Kotak Royale Signature

Kotak Mahindra Bank · Visa

Kotak Royale Signature is Kotak Mahindra Bank is mid-range lifestyle card — higher earn rates on weekends, complimentary lounge visits, and decent insurance cover. The Rs.999 annual fee is waived at Rs.1.5 Lakh spend, making it accessible for moderate spenders within the Kotak banking ecosystem.

Annual Fee

₹1,999

Waived at ₹8.0L spend

Joining Fee

₹1,999

Base Reward Rate

4X

₹0.25/pt

Min CIBIL

700

₹4L+ income

Key Features

2X reward points on all weekend spends (Saturday and Sunday)
1.5X on all other spends
Annual fee waived at Rs.1.5 Lakh spend
2 domestic lounge visits per quarter (8 per year)
Air accident cover
Kotak Privy League access for premium banking

Welcome Benefits

✓

₹1,000 Gift Voucher on Joining

Receive a ₹1,000 gift voucher from select lifestyle brands on card activation and paying joining fee

✓

Complimentary Lounge Visit

Get a complimentary domestic airport lounge visit in your first quarter of card membership

Reward Rates by Category

Dining

4X

Travel

4X

Online

4X

Shopping

4X

Grocery

4X

Fuel

1X

Utilities

1X

Other

4X

Partner Earn Rates

PartnerCategoryEarn Rate
All Weekend Spends (Sat-Sun)All2X

Milestone Benefits

₹1.5 L

Annual Fee Waiver

Annual fee of Rs.999 waived on Rs.1.5 Lakh spend in card anniversary year.

Annual

Airport Lounge Access

Domestic

8 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air.

Rs.50 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹3.0 L+ per year

Self-Employed

₹4.0 L+ ITR

Min CIBIL Score

700+

Salaried: Rs.3 Lakh annual income. Primarily for existing Kotak Bank customers. Good entry card for Kotak 811 or savings account holders.

Pros

  • 2X reward points on all weekend spends
  • Annual fee waived at Rs.1.5 Lakh spend
  • 2 complimentary lounge visits per quarter (8 per year)
  • Low Rs.999 annual fee
  • Air accident cover
  • Good for existing Kotak Bank customers

Cons

  • Lower base earn rate on weekdays
  • Reward redemption limited to Kotak catalogue
  • No transfer to airline programs
  • Only 2 lounge visits per quarter — 8 total per year
  • Less competitive than Axis ACE or SBI Cashback on everyday spends

Redemption Options

Shopping vouchers

Standard₹0.25/pt

Statement credit

Standard₹0.25/pt

Frequently Asked Questions

Is Kotak Royale Signature worth it vs Axis ACE or SBI Cashback?+
For most spenders, Axis ACE or SBI Cashback Card are better options at similar price points. Axis ACE gives 2-5% cashback vs Royale Signature is 2X points on weekends. The Royale Signature is best suited specifically for existing Kotak Bank customers who want a card within their banking relationship.
What is the Kotak Royale Signature reward rate?+
1 reward point per Rs.100 on weekdays (1.5X base) and 2 points per Rs.100 on weekends. Points are redeemable through the Kotak catalogue. There is no direct airline or hotel transfer option.
What lounge access does Kotak Royale Signature provide?+
2 complimentary domestic lounge visits per quarter, totalling 8 per year. Accessed via the VISA/Mastercard lounge network at participating airports.

Ready to apply?

Apply on the Kotak Mahindra Bank website. Usually takes 10 minutes.

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Kotak Royale Signature

₹1,999/yr · 4X rewards