How to Apply for the Kotak Royale Credit Card in 2026
Apply for the super-premium Kotak Royale Credit Card with 4X reward points on every spend. Income, eligibility, and full application walkthrough.
FinWiz24 Editorial
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.
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How to Apply for the Kotak Royale Credit Card in 2026
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.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.