Joining Fee:
FREE
Return Percentage:2% to 4%
Credit Card Overview
An NRI Royale Signature card designed for global Indians, offering lifestyle rewards, travel benefits, concierge services, and milestone perks.
Best Suited For: Travel Booking, Hotel Transfer
Kotak
Fees and charges at a glance
- Annual fee
- ₹1,000
- Joining fee
- Free
- Reward rate
- 2% to 4%
- Forex markup
- 3.5%
- Interest rate
- 37.2% p.a.
- Add-on card
- ₹599
Charged every year you keep the card
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak NRI Royale Signature credit card — Earn Categories
Everyday rate
- Base Rewards1 Kotak Reward / ₹200
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Education
- Online Gaming
- Travel
- Fuel
- Utilities