Kotak Royale Signature Credit Card Review 2026: Fees & Rewards
Explore Kotak Royale Signature Credit Card features: 4X rewards on travel & dining, 8 domestic lounge visits, and milestone bonuses. Check eligibility and fees.
The Kotak Royale Signature is a decent entry-to-mid-level card for those who primarily spend on domestic travel and dining. While the accelerated rewards are attractive, the low base rate and lack of international perks make it less competitive than newer offerings like the Kotak Zen or White cards.
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The Bottom Line
The Kotak Royale Signature Credit Card is the Kotak Royale Signature is a decent entry-to-mid-level card for those who primarily spend on domestic travel and dining. While the accelerated rewards are attractive, the low base rate and lack of international perks make it less competitive than newer offerings like the Kotak Zen or White cards. With a ₹999 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0.13% rewards on travel & dining and lounge access. For anyone researching kotak signature credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.2666666666666667% and stacks best when your spending lines up with Domestic Traveler, Frequent Diner. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealOffers consistent domestic lounge access and accelerated rewards on airline and hotel bookings.
4X rewards on restaurant spends make it a good companion for weekend outings.
Probably not for
SkipLacks international lounge access and has a standard 3.5% forex markup fee.
Base reward rate is poor, and milestone benefits require high annual spends (₹4L+).
Is It Worth It For You?
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Reward Rates
Kotak Royale Signature Credit Card offers 0.2666666666666667% basic reward rate.
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Milestone Benefits
Credited at the end of the anniversary year.
Total bonus points for the year (not cumulative with the 4L milestone).
Fees & Charges
Eligibility
- Min Income: ₹24 Lakhs
- Min Credit Score: 750
- Minimum age of 21 years; available in major cities including Mumbai, Delhi, Bangalore, and Chennai.
Exclusions & Terms
Fuel
- Eligible for surcharge waiver instead
Cash Advances
- Standard exclusion
EMI Transactions
- Standard exclusion
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Frequently Asked Questions
2 data-backed answers from our card database