• For Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, Urbane Gold Credit card primary applicant must be in the age bracket of 21 – 65 years.
• For 811 Dream different Credit card, NRI Royale Signature Credit card the primary applicant should be in the age bracket of 18 years to 75 years.
• Must be an Indian resident
• Must be a salaried employee or self-employed (With income proof)
• Must meet the income requirement set by the bank
• Must be a resident of the serviceable locations within India

W.e.f. April 20, 2020, interest rates on daily balances in Savings Account stands revised as follows: Daily balances above Rs. 1 lakh will earn 4.5% interest p.a. and daily balances up to Rs. 1 lakh will earn 3.75% interest p.a.  The interest rates mentioned are applicable for Resident Accounts only.

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Average Monthly Balance is calculated by dividing the sume of all ‘End of Day’ balances in a month by the number of days in that month.

Please refer the following illustration for the calculation of AMB.

Sample Bank Statement:

AMB Calculation:

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• Interest rate: Earn up to 4.5%* interest p.a. on your savings account balance
  
• No Minimum Balance: Enjoy banking with no balance commitment
  
• Virtual Debit Card: Shop online with ease using your virtual debit card
  
• Free funds transfer: Transfer funds online for free using NEFT or IMPS or RTGS
  
• Physical Debit card: Request a physical card through Net-banking or Mobile Banking App and get it for Rs.199+applicable GST per annum
  
  

Daily balances in Savings Account up to Rs. 1 lakh continue to earn 3.50% p.a. interest. W.e.f. Dec 11, 2020, interest rate of 4% p.a. will be applicable on daily balances in Savings Account over Rs. 1 lakh and up to Rs. 1 crore while interest rate on daily balances in Savings Account above Rs. 1 crore stands revised at 3.50% p.a. These interest rates are applicable for Resident Accounts only.

Example: If End of Day Savings Account balance is Rs. 1,50,000, then Rs. 1,00,000 will earn interest of 3.50% p.a. and Rs. 50,000 (being the balance in excess of Rs. 1,00,000), will earn interest of 4.00% p.a.

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• Open Google Pay App
• Tap Settings - Payment methods.
• Tap the card that you want to remove..

Please note:

Removing your Card from Google Pay will automatically disable all forms of tokenized card payments.

You can also call Kotak Bank to de-register your card on a per use case basis post card addition

• We won’t charge you any minimum balance fees
• We will give you a virtual debit card for free
• We won’t charge you for any fund transfers done via our app or Net Banking

If you select one of our additional services, such as a physical debit card or a cheque book*, there may be additional charges. For detailed features and charges, please check here

* Cheque book charges are applicable only to Full KYC customers 
** Not available for 811 Lite customers

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• Resident Indian (Sole or Joint Savings Account)
• Hindu Undivided Families
• Foreign Nationals Residing in India1

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