✓ Data refreshed weekly✓ Issuer-verified fields
)))

•••• •••• •••• ••••

Kotak Mahindra Bank

Kotak Royale Signature

VisaPremiumPoints
Apply Now

Annual Fee

₹999

Reward Type

Points

Forex

2.5%

Lounge

8 dom · 4 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹999
Annual Fee₹999(waived ≥ ₹1,00,000)
Min Monthly Income₹50,000

Rewards

Reward TypePoints
Base Rate0.8%
Point Value₹0.25/point

Category Multipliers

international4%

Travel & Global

Forex Markup2.5%
Domestic Lounge8 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkVisa, Priority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Axis Magnus (99%) →ICICI Emeralde Private (99%) →Axis Magnus for Burgundy (99%) →IDFC FIRST Wealth (98%) →AU Zenith+ (98%) →

💡 Fee Waiver Strategy

Spend ₹1L/year to waive ₹999 fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 0.8%, you need to spend ₹1,24,875 annually.

🎯 Pro Tips

  • ▸8 domestic + 4 international lounge visits
  • ▸4X on international spends
  • ▸2.5% forex — lower than most but not zero

🏷️ Best For

travellifestylepremium