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Kotak Mahindra Bank

Kotak Royale Signature Credit Card

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Annual Fee

₹2,999

Reward Type

Points

Forex

2.5%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹2,999

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Category Multipliers

international4%

Travel & Global

Forex Markup2.5%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkVisa, Priority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹2,999 annual fee at the base reward rate of 1.5%, you need to spend ₹1,99,934 annually.

🎯 Pro Tips

  • ▸Maximize cashback on dining and grocery spends.
  • ▸Use for international transactions to earn more rewards.
  • ▸Pay utility bills to avoid exclusions on rewards.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹1,501

Effective Rate

0.1%

Ranked #143 of 173 cards#143

₹2,999 annual fee deducted from gross rewards value.

🏷️ Best For

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