Kotak Royale Signature Credit Card

The primary Kotak Royale Signature credit card features and advantages are:

1. Lounge Benefits

You can get two complimentary visits every quarter to lounges in India. You can also enjoy the benefits of the lounges, such as free wifi, meals, seating, TV, and more. 

2. Surcharge Waiver

• You get a 1% surcharge waiver on fuel spends across the petrol stations of the country through the utilization of the card (this is only applicable when the spends are from Rs. 500 - Rs. 5,000.)
• You also get a railway ticket booking surcharge waiver. You get a 1.8% surcharge waiver on train ticket booking online through the official portal. There is a 2.5% surcharge waiver offline by booking train tickets at the counter.  

3. Add-On Cards

You can avail of add-on cards with this credit card, with the below-mentioned features:

• The same benefits as the primary cards.
• You can set up the spending limit.
• You can also track the spending of the card separately.

4. Priority Assistance

To get instant solutions for the card, you can follow these steps:

SMS "KASSIST" to 5676788, and the bank will call back within two hours.

The bank also makes it easy for you to pay your monthly bills. You can easily call for a complimentary cheque pickup.

5. Milestone Program

Given this is a reward points-oriented card, you can achieve the below milestones to earn more points:

- On spending over Rs. 4,00,000, you can earn 10,000 reward points.

- On spending over Rs. 8,00,000, you can earn 30,000 reward points. 

6. Visa payWave

Instead of inserting your card and entering the PIN at every store, through this feature, you can accomplish payments contactless by just waving your card at the merchant store. These contactless transactions have Rs. 5,000 as the daily limit. 

7. Security

There is a double security system for this card, and it is:

• An EMV chip is embedded in the card for double security.
• There is a 6-digit PIN to be used at every transaction. 

8. Reward Points Redemption

You can simplify the redemption of reward points across various categories, such as travel, entertainment, shopping, and more. 

You can also pay with reward points by asking the cashier to redeem your points at the counter, and you can pay the difference amount.

The Kotak Royale Signature credit card charges are as follows:

The application process to get your card is as follows:

Step 1: Visit the page - https://cards.kotak.com/card-details?productLogo=160&channelCode=SF96&feeCode=998&utm_source=ROYTest&utm_medium=banner&utm_campaign=ROYTest_221125.

Step 2: Choose the Get your card option.

Step 3: Enter details such as phone number, name, etc.

Step 4: Click on proceed.

Step 5: You can see the message application submitted successfully. 

You will receive an acknowledgement message that your application is under process, along with the application number. 

• Income Proof: For salaried persons - Payslips or Bank statements. For self-employed - ITR receipt.
• Address Proof: Aadhaar, utility bill, telephone bill, or house agreement.
• Identity Proof: Aadhaar, Passport, or Voter ID.