How to Apply for the Kotak Royale Credit Card in 2026

title: "How to Apply for the Kotak Royale Credit Card in 2026" slug: how-to-apply-for-kotak-royale-credit-card excerpt: "Apply for the super-premium Kotak Royale Credit Card with 4X reward points on every spend. Income, eligibility, and full application walkthrough." category: how-to-apply tags:

• kotak
• royale
• super-premium
• lounge-access
• rewards relatedCards:
• kotak-royale heroImage: /images/guides/kotak-royale.svg publishedAt: "2026-06-18T16:57:29.469Z"

The Kotak Royale Credit Card is a super-premium card with 4 reward points per ₹150 on all retail spends, 4X on dining, unlimited domestic lounge access, 4 international lounge visits per year, 1% fuel surcharge waiver, and a milestone voucher of ₹2,000 on spends of ₹2 lakh in a year. The annual fee is ₹5,000, waived on ₹2.5 lakh spends.

Why this matters

Royale is the most rewarding Kotak card. The flat 4 reward points per ₹150 on all categories makes it competitive with HDFC Regalia and Diners Black. The unlimited domestic lounge access is a strong benefit for frequent flyers.

Related cards

How to Apply for the Kotak Royale Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check Royale eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹1 lakh for salaried. CIBIL score of 750+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via Kotak website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit kotak.com → Cards → Credit Cards → Royale. Click Apply Now. The form is pre-filled if you are an existing Kotak customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Royale variant and number of supplementary cards.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Upload income documents</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Upload the latest 3 months&#39; salary slips, last 6 months&#39; bank statement, and Form 16. Self-employed applicants must upload 2 years&#39; ITR with computation and business proof.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in Kotak Mobile Banking. Approval takes 7–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Pay the joining fee and receive the card</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, Kotak will charge ₹5,000 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, Kotak Mobile Banking, or at any Kotak ATM.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for everything to maximise 4X</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The flat 4 reward points per ₹150 on all categories makes Royale the best Kotak card for high spenders. Use it as your default card for all retail spends.</p>
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Common mistakes to avoid

The 4X on dining is restricted to direct POS transactions. The unlimited domestic lounge access is via Dreamfolks — register before your first travel. The 4 international lounge visits are separately via Priority Pass.

Pro tips

• Use Royale as your default card for all retail spends
• Pair with Kotak 811 Dream for online shopping
• Register on Dreamfolks and Priority Pass, and link the card
• Plan to spend ₹2.5 lakh to waive the ₹5,000 annual fee

Frequently asked questions

What is the annual fee on Royale?

₹5,000 + GST, waived on ₹2.5 lakh spends in the previous 12 months.

How many lounge visits are included?

Unlimited domestic + 4 international per year via Dreamfolks and Priority Pass respectively.

Does the 4X apply to Swiggy?

The base 4 reward points per ₹150 applies to all retail, including Swiggy. The 4X on dining is for offline POS only.