Kotak NRI Royale Credit Card Review 2026: Fees, Rewards & Benefits
Explore the Kotak Mahindra Bank NRI Royale Credit Card. Get 2x rewards on international spends, domestic lounge access, and a 1:1 reward redemption ratio.
The Kotak NRI Royale is a solid entry-level secured card for NRIs who visit India frequently. While its international reward rate is decent, the high forex markup makes it less ideal for spending outside India compared to zero-forex cards.
Tailor-made for Indians abroad with double rewards on international spends.
The Bottom Line
The Kotak Mahindra Bank NRI Royale Credit Card is the Kotak NRI Royale is a solid entry-level secured card for NRIs who visit India frequently. While its international reward rate is decent, the high forex markup makes it less ideal for spending outside India compared to zero-forex cards. With a ₹1,000 annual fee, it offers 1% rewards on international spends and nri royale shield. For anyone researching kotak nri royale credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with frequent-india-visitor, nri-savers.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealAllows NRIs to pay in INR while in India, avoiding foreign card markup fees and currency exchange hassles.
Ideal for those who already maintain a Term Deposit with Kotak and want a secure credit line.
Probably not for
SkipThe ₹1,000 annual fee is fixed and cannot be waived through spending.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Sign in for personalized estimates based on your actual spending
Reward Rates
Kotak Mahindra Bank NRI Royale Credit Card offers 0.5% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Fees & Charges
Eligibility
- 0
- Available exclusively for Non-Resident Indians (NRIs) against an NRE/NRO Term Deposit of minimum ₹1 Lakh. Credit limit is up to 80% of the deposit amount.
Exclusions & Terms
Fuel
- Excluded from rewards; eligible for surcharge waiver only.
Rent
- Excluded from rewards as per June 2025 policy update.
Wallet Load
- Excluded from rewards as per June 2025 policy update.
Compare with Alternatives
Frequently Asked Questions
3 data-backed answers from our card database