Credit card
Kotak NRI Royale Signature Credit Card
Best for NRIs, premium banking
₹2,500/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹2,500/yr
Reward rate
Not published
Min. income
₹6,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 750+
Reward cap
₹5,000/month
Welcome benefit
Enhanced benefits for NRIs with international banking needs
Who is this for
- NRI
- Premium customer
What we like
- 2% on all purchases
- Unlimited lounge access worldwide
Watch out for
- Rs 2,500 annual fee
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on Rs 10 lakh annual spend |
| Late payment | ₹1,000 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2.00 | ₹5,000/month | 1.00 |
| TRAVEL | 5.00 | ₹2,000/month | 1.00 |
Benefits
-
Premium NRI benefits Highlight
Enhanced benefits for NRIs with international banking needs
-
Unlimited domestic lounge access Highlight
Complimentary unlimited domestic airport lounge access
-
International lounge access Highlight
Complimentary international airport lounge access
-
Fuel surcharge waiver
1% waiver on fuel transactions Rs 500-3,000
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit history
- Employment
- Salaried, self-employed
- Documents
- PAN, Passport, Visa, NRI account proof
Kotak NRI Royale Signature Credit Card is a VISA credit card from Kotak Mahindra Bank. It is best suited for NRIs, premium banking.
Fees and rewards
- Annual fee: Rs 2,500
- Joining fee: Rs 2,500
- Rewards: 2% cashback on all purchases; 5% on travel
Eligibility
PAN, Passport, Visa, NRI account proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for Kotak NRI Royale Signature Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Kotak NRI Royale Signature Credit Card worth it?
What is the annual fee for the Kotak NRI Royale Signature Credit Card?
How does the Kotak NRI Royale Signature Credit Card reward rate work?
What are the eligibility requirements for the Kotak NRI Royale Signature Credit Card?
Does the Kotak NRI Royale Signature Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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