Kotak Royale credit card credit card
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

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Fees and charges at a glance

Annual fee
₹999

Charged every year you keep the card

Joining fee
₹1,499

Paid once when you get the card, plus GST

Reward rate
2% to 4%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
42% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Kotak Royale credit card — Benefits and Offers

Insurance cover

  • Insurance

    Lost Card Liability

    Ongoing
    • An insurance cover worth ₹2 lakh for personal accidents.
    How to use this
    1. To claim this insurance, report the incident to Kotak Mahindra Bank Customer Care at 1860 266 2666 or email care@zurichkotak.com within 30 days of the incident. Ensure to submit all required documents within 60 days of reporting the claim.