Kotak Royale Signature Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Kotak Mahindra Bank
Network: Visa | Tier: Premium
The Kotak Royale Signature Credit Card is a Premium Visa credit card issued by Kotak Mahindra Bank, best suited for professionals. It carries a joining fee of ₹999, with an interest rate of 3.5% per month. Key benefits include Lifestyle rewards, 4 RP per 150, and Lounge. New cardholders get a welcome benefit of Welcome points. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹4,00,000/year to qualify. It falls under the Premium, Travel, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the Kotak Royale Signature Credit Card?
The Kotak Royale Signature Credit Card is a Premium-tier Visa credit card issued by Kotak Mahindra Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Professionals. With a reward rate of 4 RP per 150 and an annual fee of ₹999, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome points, which adds immediate value in the first year and helps recover the ₹999 joining fee.
Kotak Royale Signature Credit Card Fees & Charges
| Annual Fee | ₹999 |
|---|---|
| Joining Fee | ₹999 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Kotak Royale Signature Credit Card Rewards & Benefits
| Reward Rate | 4 RP per 150 |
|---|---|
| Welcome Bonus | Welcome points |
| Lounge Access | Lounge |
| Best For | Professionals |
Key Highlights of the Kotak Royale Signature Credit Card
- Lifestyle rewards
- 4 RP per 150
- Lounge
Kotak Royale Signature Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹4,00,000/year
Minimum Income Required: ₹4,00,000/year
Advantages of the Kotak Royale Signature Credit Card
- Good mid-tier card — a real advantage for professionals.
Drawbacks of the Kotak Royale Signature Credit Card
- On the downside: moderate rewards.
Kotak Royale Signature Credit Card — Frequently Asked Questions
What is the annual fee of the Kotak Royale Signature Credit Card?
The Kotak Royale Signature Credit Card has an annual fee of ₹999 and a joining fee of ₹999. New cardholders receive Welcome points as a welcome benefit, which helps offset the joining cost.
Does the Kotak Royale Signature Credit Card offer airport lounge access?
Yes — the Kotak Royale Signature Credit Card offers Lounge.
Who is eligible for the Kotak Royale Signature Credit Card?
The minimum income requirement is ₹4,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Kotak Royale Signature Credit Card?
The Kotak Royale Signature Credit Card earns 4 RP per 150. It is best suited for Professionals.
Credit Cards Similar to the Kotak Royale Signature Credit Card
If you are considering the Kotak Royale Signature Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.3/5