Kotak Royale Signature Credit Card 2025
4X Reward Points
8 Lounge Visits
₹1,000 Fee Waived
Fuel Surcharge Waiver
Earn over ₹18,000+ every year with 4X rewards + 8 lounges + fee waiver!
Value-packed card! Kotak Royale Signature gives 4X reward points on all spends, 8 domestic lounge visits, ₹1,000 annual fee waived on ₹1L spends, and fuel waiver.
Perfect for everyday spenders!
Why Choose Kotak Royale in 2025?
4X rewards everywhere • 8 lounge visits • Fee waived on ₹1L • Fuel waiver • Milestone vouchers
Best for: Everyday spenders, lounge users, reward hunters
Card At a Glance
Joining Fee
₹1,000
₹1,000
Annual Fee
₹1,000 (Waived on ₹1L)
₹1,000 (Waived on ₹1L)
Reward Rate
4X on All Spends
4X on All Spends
Lounge Access
8/Year
8/Year
Forex Markup
3.5%
3.5%
Fuel Waiver
₹3,500/year
₹3,500/year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 (Waived on ₹1L spends) |
| Reward Points | 4 RP per ₹150 |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% up to ₹3,500/year |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 4 reward points per ₹150 on all spends
- 1 RP = ₹0.25 (redeemable for vouchers)
- Milestone vouchers: ₹1,000 on ₹1L, ₹2,000 on ₹3L
- No expiry on reward points
Airport Lounge Access
- 8 complimentary domestic lounge visits per year
- 2 visits per quarter
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹10 Lakh personal accident cover
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 4X rewards everywhere | ₹1,000 fee (waivable) |
| 8 lounge visits/year | 3.5% forex markup |
| Fee waived on ₹1L | Rewards value ₹0.25 |
| Fuel waiver ₹3,500 | No international lounge |
| Milestone vouchers |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Income Proof
How to Apply Online (3-Minute Process)
- Visit Kotak website/app
- Select Royale Signature → Apply
- Fill details & income proof
- Video KYC verification
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best value mid-range card! 4X rewards + 8 lounges + fee waived = ₹18,000+ value. Perfect for everyday use!
Frequently Asked Questions (FAQs)
Fee really waived?
Yes! ₹1,000 fee waived on ₹1 Lakh spends.
4X on all spends?
Yes! Everywhere you swipe.
8 lounge visits per year?
Yes! 2 per quarter.
Milestone vouchers?
Yes! ₹1,000 on ₹1L, ₹2,000 on ₹3L.
Easy to get?
Yes! ₹6L income + good credit score.