Kotak Royale Signature
Kotak Mahindra Bank · Visa
Kotak Royale Signature offers decent lounge access and 4X rewards at a mid-range annual fee.
Annual Fee
₹1,999
Base Reward Rate
4X
Point Value
₹0.25/pt
Min CIBIL
700
Lounge Access
Domestic
8/year
International
2/year
Reward Rates by Category
Dining
4X
Travel
4X
Shopping
4X
Online
4X
Grocery
4X
Fuel
1X
Utilities
1X
Other
4X
Pros
- 8 domestic lounge visits/year
- 2 international lounge visits/year
- 4X reward points
- Travel insurance
- Milestone benefits
Cons
- High fee with poor waiver condition
- Low point redemption value
- Limited premium benefits
Redemption Options
Shopping vouchers
Standard₹0.25/pt
Statement credit
Standard₹0.25/pt
Ready to Apply?
Apply directly on the Kotak Mahindra Bank website. Takes about 10 minutes.
