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Kotak · mid tier
Kotak Royale Signature
Kotak customers wanting mid-tier rewards
Joining fee
₹1.5K
Annual fee
₹1.5K
Base rate
1.5%
Expert rating
6.8/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹12,025
Fees-₹1,499
Net annual value+₹10,526
Value breakdown
travel (4x)+₹600
dining (3x)+₹675
Base rate (1.5%)+₹6,750
Lounge access (4 visits)+₹4,000
Annual fee (waived)+₹0
Joining fee (year 1)₹1,499
— Highlights
- 4X on travel
- 3X on dining
- Domestic lounge access
— Reward rates
Earn by category
travel
4X
dining
3X