Kotak Mahindra Bank
Kotak Royale Credit Card
Closed premium travel and dining card
₹999/yr annual fee · 2.67x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
This card has been discontinued by its issuer. The details below are kept as a reference for existing holders and historical comparisons.
Annual fee
₹999/yr
Reward rate
2.67x
Min. income
Not published
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
Not published
Reward cap
No published cap
Welcome benefit
10,000 bonus reward points on Rs 4 lakh annual spends, or 30,000 on Rs 8 lakh annual spends
Kotak Royale Signature is discontinued for new applicants. Its last published terms were 4 reward points per Rs 150 on travel and dining and a Rs 999 annual fee.
Who is this for
- Frequent traveller
- Rewards optimiser
What we like
- Free domestic lounge visits
- Milestone vouchers or extras
Watch out for
- ₹1,499 non-waiver joining fee
- 3.5% foreign-transaction markup
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,499 | Not waivable |
| Annual fee | ₹999 | Annual retail spends of Rs 1,00,000 |
| Forex markup | 3.5% | Not waivable |
| Fuel surcharge | 1% | 1% waiver on Rs 500-5,000 fuel transactions, up to Rs 3,500 a year |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 reward points per Rs 150 on eligible base-category spends; post June 2025, wallet, rent, fuel and skill-gaming earn… | — | — |
| TRAVEL | 4 reward points per Rs 150 on accelerated categories: hotels, restaurants, travel agencies/tour operators, package to… | — | — |
Benefits
-
Domestic lounge access Highlight
2 complimentary domestic lounge visits per quarter at select DreamFolks lounges; from 1 June 2025, requires Rs 75,000 spends in the preceding quarter
-
Spend milestone Highlight
10,000 bonus reward points on Rs 4 lakh annual spends, or 30,000 on Rs 8 lakh annual spends
-
Fuel surcharge waiver
1% fuel surcharge waiver on transactions between Rs 500 and Rs 5,000, capped at Rs 3,500 an anniversary year
-
Railway surcharge waiver
Railway surcharge saved on IRCTC and counter bookings, capped at Rs 500 an anniversary year
Eligibility
- Documents
- No income criteria published on the live page; the product is closed to new applications.
Read the full application walkthrough: Kotak Royale Credit Card apply guide.
Status: discontinued — not open to new applications. FinWiz24 keeps this page for reference; figures shown are the issuer’s last published terms where verifiable, otherwise unlisted.
Fees and charges
- Joining fee: Rs 1,499
- Annual fee: Rs 999 — Annual retail spends of Rs 1,00,000
- Forex markup: 3.5%
- Fuel surcharge: 1% — 1% waiver on Rs 500-5,000 fuel transactions, up to Rs 3,500 a year
Rewards
- ALL: 2 reward points per Rs 150 on eligible base-category spends; post June 2025, wallet, rent, fuel and skill-gaming earn nothing
- TRAVEL: 4 reward points per Rs 150 on accelerated categories: hotels, restaurants, travel agencies/tour operators, package tours, airlines and international spends
Benefits
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter at select DreamFolks lounges; from 1 June 2025, requires Rs 75,000 spends in the preceding quarter
- Spend milestone: 10,000 bonus reward points on Rs 4 lakh annual spends, or 30,000 on Rs 8 lakh annual spends
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between Rs 500 and Rs 5,000, capped at Rs 3,500 an anniversary year
- Railway surcharge waiver: Railway surcharge saved on IRCTC and counter bookings, capped at Rs 500 an anniversary year
Eligibility
No income criteria published on the live page; the product is closed to new applications.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: Kotak Mahindra Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the Kotak Royale Credit Card apply walkthrough →
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Frequently asked questions
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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.