CreditIQ Verdict
The Kotak Royale Signature is a rewards credit card from Kotak with an annual fee of Rs.1,499. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on rewards categories and want to earn meaningful rewards.
Fees & Charges
Annual FeeRs. 1,499 + GST
Joining FeeRs. 1,499 + GST
Interest Rate45% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)
What the community says
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Frequently Asked Questions
What is the annual fee of Kotak Royale Signature?
The annual fee is Rs.1,499 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on Kotak Royale Signature?
Kotak Royale Signature offers 1.5. Check the benefits section above for category-specific accelerators.
How to apply for Kotak Royale Signature?
You can apply online through Kotak's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.