Joining Fee:
₹1499 +GST
Return Percentage:2% to 4%
Credit Card Overview
A Royale card delivering premium lifestyle rewards, milestone vouchers, and concierge services, positioned for high-spending professionals.
Best Suited For: Experience, Travel Booking, Hotel Transfer
Kotak
Fees and charges at a glance
- Annual fee
- ₹999
- Joining fee
- ₹1,499
- Reward rate
- 2% to 4%
- Forex markup
- 3.5%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak Royale credit card — Earn Categories
Other categories
- Travel4 reward points / ₹150
- DiningF&B · Dining4 reward points / ₹150
Everyday rate
- Base Rewards2 Reward Points (reward points) / ₹150
5 more earning categories on this card
We track all 8 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.
- Online Gaming
- Fuel
- Wallets
- Jewellery
- Rent