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
KotakFees 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 — Lounge Access
Domestic lounge
2 per quarterquarter- Spend ₹75,000 in the previous calendar quarter.
Check lounge access airport by airport
We track this card at 18 airports. Check airport-wise lounge availability in the app.