Below are the key highlights of Royal Signature Kotak Credit Card:

• You can avail a Kotak Royale Signature credit card variant that comes with zero joining fee.
• Kotak Royale credit card annual fee is completely waived off on minimum annual retail spends of Rs. 1 Lakh.
• The card provides complimentary airport lounge access.
• Earn reward points on every spend of Rs. 150 and opt for instant Kotak Royale reward points redemption.
• Credit card insurance up to Rs. 2,50,000 against loss and theft.
• Annual fuel surcharge waiver up to Rs. 3,500 available.
• Annual railway surcharge waiver up to Rs. 500 available.
• You can check Kotak Royale Signature credit card reviews available online to know how beneficial this card is.

Following are the main Kotak Royale Credit Card features: 

Reward Points

• Earn up to 4X reward points on spending every Rs. 150 on special categories and 2X reward points on other categories.
• Special categories include hotels, restaurants, travel agencies & tour operators, package tour operators, airlines & air carriers, and international spends.
• You can opt for Kotak Royale Signature credit card reward points redemption against a host of redemption options, including air tickets, 10,000 merchandise, mobile recharge, and so on, through easyrewardz with easy points.

Airport Lounge Access

• Complimentary access to airport lounges across India with benefits like gourmet meals, widescreen TVs, comfortable seating, newspaper & magazines, free Wi-Fi, and so on.

Enhanced Security

• You get a cover of Rs. 2.5 Lakhs against fraudulent usage for up to 7 days pre-reporting in case your Royal Signature Card Kotak is stolen.
• You have to call Customer Contact Centre on 1860 266 2666 immediately and get your royal signature kotak credit card deactivated or blocked to prevent any misuse and register a claim with the Insurance Company.

Priority Attend

• If you have any query regarding your card and its usage, you can SMS "KASSIST" to 5676788 and bank representatives will call back within 2 hours.
• You can also call the bank for complimentary cheque pickup to pay your monthly dues.

Fuel Surcharge Waiver

• Get up to Rs. 3,500 fuel surcharge waiver annually on transactions between Rs. 500 and Rs. 3,000.
• Customers will not earn reward points on their fuel transactions.

Railway Surcharge Waiver

• Get railway surcharge waiver up to Rs. 500 annually for transactions on www.irctc.co.in and Indian Railways Booking Counters. 
• Customers will not earn reward points on their railway surcharge waiver.

Add-on Card

• Apply for an Add-on Card for your family member having the same benefits that you enjoy. 
• You can set the spending limit on Add-on Card as you desire. This is one of the best Kotak Royale credit card benefits.
• You can also track spends separately for each of your Add-on Card.

Following are the details of Kotak Royale Signature credit card charges:

• Joining Fee: Nil for Royale No Joining Fee and Rs. 1,499 for Royale with Joining Fee.
• Annual Fee: Rs. 999. Waived off on minimum annual spends of Rs. 1 Lakh.
• Interest charges on outstanding balance: 3.4% (37.2% p.a.)
• ATM Cash Withdrawal/ Fund Transfer/ Call a Draft/ Cash Advance charges per Rs. 10,000 or part thereof: Rs. 300
• Over limit charges: Rs. 500
• Cheque bounce charges: Rs. 500
• Foreign currency markup: 3.5%
• Cash payment at bank: Rs. 100
• Reissuance or replacement of card: Rs. 100 per issuance 
• Late payment charges: 
  • Rs. 100 for statement outstanding below or equal to Rs. 500
  • Rs. 500 for statement outstanding between Rs. 501 to Rs. 10,000
  • Rs. 700 for statement outstanding above Rs. 10,000
• GST & applicable taxes: GST as applicable will be charged on all interest, fees and other charges levied on the Credit Card. 

Below are the detailed eligibility criteria for Kotak Royale Signature Credit Card:

• For the Royale Signature Credit Card, the primary applicant must be aged between 21 and 65 years.
• Add-on card holder should be aged 18 years and above.
• The applicant must be an Indian resident.
• The applicant must be a salaried employee or a self-employed person. 
• The applicant must provide a valid income proof.
• The applicant must be earning at least Rs. 24 Lakhs or above per annum.
• The applicant must be a resident of the locations within India that are serviceable by the bank, i.e. Delhi (including Gurgaon & Noida), Ahmedabad, Mumbai, Pune, Bangalore, Chandigarh, Hyderabad, Chennai, and Kolkata.

You will need to submit the following documents to apply for the card:

• Identity proof: Passport, Aadhaar Card, PAN Card, Driver’s License, Voter’s ID Card, Job card issued by NREGA, or letters issued by the UIDAI, Person of Indian Origin Card, or Overseas Citizen of India Card, (any one).
• Address proof: Passport, Driver’s License, Aadhaar Card, Ration Card, Utility Bill not older than 3 months, Property Registration Document, Job card issued by NREGA, Bank Account Statement, or Person of Indian Origin Card (any one).
• Income proof: Last 2 salary slips (not older than 3 months), last 3 months’ bank statements, and latest Form 16.

You can redeem your reward points on Royale Signature credit card for a variety of categories like mobile recharge, E-vouchers for various brands, movies (BookMyShow Vouchers), shopping across 10,000 products, travel, and so on. 

Here is how to redeem your reward points:

• Visit the official website of the bank, i.e. www.kotak.com. 
• Click on the Net Banking option and login with your Password, CRN, and Dynamic Access Code.
• Now choose the Credit Cards option.
• Choose one of the available reward redemption options.

Applying for Kotak Royale Signature credit card is simple. Just follow the steps give below:

• Click the "Apply Now" icon available on Kotak Mahindra website under the credit card page that you want to avail. You can also visit the nearby branch of the bank or get in touch with the bank’s representative.
• Submit your details such as name, age, date of birth, residential address, net monthly income, PAN, etc.
• Submit the proof of documents including PAN Card, KYC documents, address proof, income proof, employment status, and so on.
• Keep track of your Kotak credit card application status.