Thursday, May 16News That Matters

Kotak NRI Royale Signature Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply, Eligibility, Status, Limit

Kotak Bank – NRI Royale Signature credit card is a credit card for NRI offered against FD. It gives additional points for international spend.

Kotak NRI Royale Signature Credit Card Benefits

  • Joining Benefits : N/A
  • Benefits
    • Additional reward points for international spend
  • Milestone Benefits: N/A
  • Lounge Access (Domestic):N/A
  • Movie Tickets:  NA
  • Restaurant Offers:  N/A
  • Railway Surcharge waiver: Yes
    • Save railway surcharge waiver for transactions on and for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-
  • Fuel:  Yes
    • Applicable on transactions between Rs. 500 and Rs. 3000.
    • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500.

Rewards Collection

  • Earn 2X rewards on spends outside India; i.e. earn 2 rewards points for every Rs. 200/- spent
  • Earn 1 reward point for every Rs. 200/- spent within India
  • Accumulate your reward points and redeem them across a host of redemption options like Movie tickets, Air tickets, Airmiles, cash and more.
  • 1 Reward Point = Re 1/-

Rewards Redemption

  • 1 Reward Point = Re 1/-  (so upto 1% worth benefit on international spend)
  • Pay with Reward Points:
    • Pay without cash. Pay without card
    • Now with your Kotak credit card reward points are converted into currency at merchant outlets when you shop with your Kotak Credit Card. Know more
  • Redemption options:
    • Cash | Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise
    • Visit
    • Click on Net Banking
    • Login using your CRN, Password & Dynamic Access Code
    • Choose Credit Cards
    • Select Reward Redemption option of your choice.
    • Please note: For redemption against Airline tickets / Merchandise / Mobile recharge, Reward points have to be converted to Easy Points. 2 Reward Point = 1 Easy Point.

Kotak NRI Royale Signature Credit Card Fees

  • Joining fees: Rs 0
  • Annual Fee: Rs 1000

How to Apply – You can apply online at Kotak Bank website 

  • Primary Credit Card holder should be in the 18 – 75 year’s age bracket
  • Add-on Card holder should be 18 years and above
  • Only NRE/NRO account holders are eligible for the Credit Card
  • The credit limit offered can be as high as 80% of your Fixed Deposit(FD) amount
  • Minimum FD Amount – Rs. 1 lac
  • Only Individual FDs are allowed
  • Should be an NRI having an Indian residential address


This card is for NRI customers who are looking to have a credit card for spending in India (or abroad). The benefits are not that great as it offers approx 0.5% worth of rewards on spending in India and 1% on international spend. You need to have a minimum fixed deposit of Rs 1 lakh.