Apply Kotak NRI Royale Signature Credit Card

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NRI Royale Signature Credit Card

With the Kotak NRI Royale Signature Card, you’ve found a Credit Card that gives you your biggest return as an NRI. With a host of customised features, you can enjoy benefits that are tailor-made for Indians abroad.

Earn 2 rewards on international spends

Freedom to purchase and pay in INR

Fuel Surcharge Waiver

Railway Surcharge Waiver

Gift an add-on Card

NRI Royale Shield

2 Rewards on International Spends

Earn 2 rewards on spends outside India; i.e. earn 2 rewards points for every Rs. 200/- spent
Earn 1 reward point for every Rs. 200/- spent within India
Accumulate your reward points and redeem them across a host of redemption options like Movie tickets, Air tickets, cash and more.
1 Reward Point = Re 1/-

Freedom to Purchase and pay in INR

While traveling to India, save the mark-up fee charged on your credit card issued outside India or the hassles of currency exchange
Enjoy the benefit of paying for your purchases, travel and dining in Indian Rupees

Fuel Surcharge Waiver

Applicable on transactions between Rs. 500 and Rs. 3000.
Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500.

Railway Surcharge Waiver

Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-.

Gift an Add-on Card

Gift an add-on card to your spouse, parents or children (above 18 years) and extend the benefits of the NRI Royale Card to your loved ones
The add-on card would be issued irrespective of location or citizenship status
One-time fee of Rs. 599/- per add-on card is applicable

Travel with comfort

Airport Lounge Access : Get 2 complimentary visits every quarter to Dream Folks Lounges only in India. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi. Know more

Check your eligibility for the NRI Royale Signature Credit Card.
Explore more credit card options that best suit your needs.

Disclaimer

The Kotak NRI Royale Signature Card comes at an Annual Fee of Rs. 1,000/-

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Frequently Asked Questions

Can the shopkeeper charge an extra 2% for card payments?

A. Credit card companies and banks charge higher fees to recover the cost of lending money to customers. But, they urge merchants not to pass credit card swipe charges to customers and instead bear it themselves. In some places, merchants can charge customers an extra fee for using credit or debit cards to cover the processing costs.

How to pay rent through credit card?

A. The easiest way to pay rent is using credit cards. In this nothing is debited from your bank account. Instead the money is paid via the available line of credit. Rent payment through credit card is easy and just a few clicks away when it is linked to your UPI enabled app. Now you know how to pay rent through credit card.

What is a Credit Card?

A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit.

Banks and financial institutions issue it to bring the convenience of payment. Credit cards act as a microloan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). The issuer pre-sets a custom borrowing limit, determining the maximum amount of credit a user can spend from a credit card. Credit cards allow users to save big through discounts and deals, making them popular.

Should I apply for a balance transfer credit card?

You may proceed with the balance transfer option if you see possible savings out of it. Paying high-interest debt doesn’t make sense when you can qualify for a new card with a 0% APR. This way, you can consolidate your debt and pay them off without any hassle. Many balance transfer credit cards offer a 0% or low interest rate on balance transfers for an introductory period, which can allow you to save money on interest charges while you pay down your debt.

What is the coverage scope of CPP membership in India

The coverage under CPP credit card protection membership in India is generally limited to the protection against loss, theft or misuse of the member's credit cards, debit cards, and other cards. CCP credit card protection also protects unauthorized transactions and emergency card replacement services.

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