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How to Apply for the Kotak Royale Credit Card in 2026

Jiyan Kazi's profile photo Jiyan Kazi
3 min read
Reviewed by Rahul Dabhi Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: Kotak Royale Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

How to Apply for the Kotak Royale Credit Card in 2026

How to apply Total time: 15 min · Estimated cost: ₹5,000 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, Form 16

Apply for the super-premium Kotak Royale Credit Card with 4X reward points on every spend. Income, eligibility, and full application walkthrough.

  1. Check Royale eligibility — 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.
  2. Apply online via Kotak website — Visit kotak.com → Cards → Credit Cards → Royale. Click Apply Now. The form is pre-filled if you are an existing Kotak customer.
  3. Complete the application — Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Royale variant and number of supplementary cards.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips, last 6 months’ bank statement, and Form 16. Self-employed applicants must upload 2 years’ ITR with computation and business proof.
  6. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in Kotak Mobile Banking. Approval takes 7–10 working days.
  7. Pay the joining fee and receive the card — 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.
  8. Use the card for everything to maximise 4X — 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.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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