Kotak Royale Signature Review 2026
Last reviewed:
Quick verdict
A balanced premium card from Kotak with decent lounge access and reward points. The 8 domestic plus 2 international lounge visits are competitive at just ₹999/year. Best suited for Kotak salary account holders who often get preferential approval and sometimes fee waivers on this card.
Pros
- Airport lounge access: 8 domestic + 2 international per year
- Welcome benefit: 500 reward points on activation
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
Fees & charges at a glance
| Joining Fee | ₹999 + GST |
|---|---|
| Annual Fee | ₹999 + GST |
| Rewards | 4 reward points per ₹150 on all spends |
| Welcome Benefit | 500 reward points on activation |
| Lounge Access | 8 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹25,000/month |
| Network | Visa Signature |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The Kotak Royale Signature is best suited for travel & entertainment. It is a premium card on the Visa Signature network, and Kotak Mahindra generally looks for a minimum income of ₹25,000/month. If your spending matches its reward categories (4 reward points per ₹150 on all spends), the card can pay for its annual fee of ₹999 + GST. If not, a lifetime-free card may give you better net value.
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Kotak Royale Signature: frequently asked questions
What is the annual fee of the Kotak Royale Signature?
The Kotak Royale Signature has a joining fee of ₹999 + GST and an annual fee of ₹999 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Kotak Mahindra.
What rewards does the Kotak Royale Signature give?
4 reward points per ₹150 on all spends. 8 complimentary domestic lounge visits per year. 2 complimentary international lounge visits.
Does the Kotak Royale Signature offer airport lounge access?
Yes. The Kotak Royale Signature offers 8 domestic + 2 international per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with Kotak Mahindra.
What is the eligibility and minimum income for the Kotak Royale Signature?
Kotak Mahindra typically requires a minimum income of ₹25,000/month for the Kotak Royale Signature, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the Kotak Royale Signature?
The Kotak Royale Signature charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the Kotak Royale Signature?
The foreign currency markup on the Kotak Royale Signature is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the Kotak Royale Signature to UPI?
No. The Kotak Royale Signature runs on the Visa Signature network. Only RuPay credit cards can be linked to UPI in India at present.
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