Kotak Royale Signature Credit Card
Kotak Mahindra Bank · Closed to new applicants
An older Kotak rewards card (closed to new applicants): 4 reward points per ₹150 on hotels, restaurants, travel agencies and airlines and 2 per ₹150 elsewhere, two domestic lounge visits a quarter for ₹75,000 of quarterly spend, and 10,000 or 30,000 bonus points at ₹4 or ₹8 lakh a year.
- Annual fee
- ₹999 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 2 reward points per ₹150 on other eligible spends: 2 Reward Points per ₹150 (about 0.27% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹75,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 4 reward points per ₹150 on hotels, restaurants, travel agencies and airlines: 4 Reward Points per ₹150 (about 0.53% at cash value)
Earns nothing on
- No reward points on fuel, rent, wallet loads, online skill-gaming, railways, EMI or balance transfers
Where the sources disagree
- value of a reward point: The MITC rewards table gives 25 paise per point; the 2026 Rewards Program Guide gives 20 paise for cashback and 25 paise for other redemptions. We use the guide.
- joining fee: The listing shows a nil joining fee; the fees tab and the MITC show ₹1,499 (MITC: "₹1,499 / NIL"). We use ₹1,499.
Terms the calculator does not value
- The page does not say whether the card gives international lounge access; the lounge terms list Royale Signature among cards with international access at ₹75,000 of quarterly spend, but no number of visits is published.
- Passenger railway spends and tolls are in the MCC list of spends excluded from milestones and the fee waiver; we have no category for passenger railways.
Sources
- Kotak Royale Signature Credit Card product page (marked Discontinued) (Product page, the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (fee table, interest, charges, reward-points table) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Kotak Royale Signature Credit Card Rewards Program Guide (2026) (Reward terms, the bank's own, read 6 Nov 2026)
- Kotak Royale Signature milestone program page (Product page, the bank's own, read 6 Nov 2026)
- List of MCCs for transaction fees and exclusions (1 Jun 2025) (Reward terms, the bank's own, read 6 Nov 2026)
- Kotak Royale Signature fees and charges page (Product page, the bank's own, read 6 Nov 2026)
- Terms and Conditions, Complimentary Airport Lounge Access Program for Kotak Credit Cards (Reward terms, the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit cards listing (Product page, the bank's own, read 6 Nov 2026)