What is the minimum limit I can get with the Kotak Royale Signature credit card?

Like every other credit card, the minimum limit of this card depends on different factors. If you have a good credit score, a repayment history and your income meets the criteria, the bank will decide the minimum amount accordingly.

Can I take cash from an ATM using the Kotak Royale Signature credit card?

Yes, you can withdraw cash from an ATM using this card up to its available limit. However, you must consider the additional cash advance charges, as you must pay them on time.

Is it possible to increase the limit on the Kotak Royale Signature card?

Yes, if you use the card regularly and pay the dues back on time in full, there is a chance of the bank increasing the limit. Also, keep the credit utilisation low (typically below 30%) and by contacting the bank, you can request a limit increase.

What to do if I lose or misplace my Kotak Royale Signature card?

Immediately contact the credit card customer channel of the bank and request to block it. Call at 1860 266 2666, which is available 24*7 for assistance.

How do I redeem the reward accumulated on the Kotak Royale Signature card?

You can redeem your card points across multiple categories, such as mobile recharge, buying e-vouchers and shopping from 10,000 available products on the reward page of the bank.

Kotak Royale Signature Credit Card: Benefits, Features and Eligibility

Name: Kotak Royale Signature Credit Card: Benefits, Features and Eligibility
Brand: Credit Card
Rating: 4.9 (13918 reviews)

Seeking a credit card with premium benefits for your travel needs and regular purchases? As of FY25, about 10.80 crore people are already using credit cards for such services. You can enjoy such features as well with the Kotak Royale Signature credit card if you meet the basic eligibility criteria of the bank. Take a look at the key highlights of the card here.

Benefits and Rewards of Kotak Royale Signature Credit Card

From reward points, lounge access to add-on card features, here is a detailed view of what you can expect from this card:

Reward Points	With this card, you can earn up to 4 reward points every time you make eligible purchases of at least ₹150. Earn reward points by using your card in hotels, restaurants, airlines, utility bill payments and more.
Milestone Program	Spend ₹4,00,000 or ₹8,00,000 in an anniversary year on this card and get bonus reward points of 10,000 and 30,000, respectively.
Airport Lounge Access	Enjoy 2 complimentary lounge access across selected Indian airports in a calendar quarter. Spend ₹75,000 in a quarter to avail the access in the next quarter.
Railway Surcharge Waiver	Use it at the Indian railway ticket counter or the IRCTC portal and get a waiver of ₹500 in an anniversary year.
Fuel Surcharge Waiver	Get 1% surcharge waiver on fuel for transactions on this card. The amount must be between ₹500 and ₹5,000.
Priority Assist	Skip waiting on a call for assistance and send an SMS "KASSIST" to 5676788 to get a call back from Kotak.
Add-on Cards	This card has the benefit of including an add-on card. You can set its spending limit, track the expenses separately and more.

With Stable Money, getting a credit card is much easier and hassle-free. Book an FD at Stable Money, apply for a secured credit card against it and earn up to 8.15% interest PA.

Kotak Royale Signature Credit Card Fees

Before you apply for this credit card, you must make a note of the following applicable charges or fees to eliminate extra expenses:

Types of Fees	Description
Joining fees	₹1,499
Annual fees	₹999
Charges for add-on cards	Nil
Applicable charge for ATM cash withdrawal, fund transfer, call a draft and cash advance per ₹10,000	2.5% (It is subject to a minimum of ₹500)
Overlimit charges	₹500
Charges for cheque bounce	2% of the entire bonus amount
Foreign Currency Markup	3.5%
Applicable fees for cash payment via the bank	₹100
Replacement or reissuance of the card (per issuance)	₹100
LPC or late payment charges	If the due is less than ₹100, no LPC applies
	Between ₹100 and ₹500 the charge is ₹100
	From ₹501 to ₹5,000, the LPC is ₹500.
	A due between ₹5,001 and ₹10,000 the charge is ₹600
	For dues between ₹10,001 and ₹25,000 the LPC is ₹800
	Dues between ₹25,001 to ₹50,000 attracts ₹1000 as an LPC
	For a due more than ₹50,000 an LPC of ₹1200 applies

Who can Apply for this Credit Card?

Being a premium credit card, the bank sets the eligibility criteria, especially in terms of income, higher than those of other cards. Take a look at the following section for a detailed understanding:

Parameters	Description
Age	The primary cardholder must be at least 21 years old. The bank allows card applications for people aged up to 60 years.
Minimum age for add-on cardholders	The minimum age here must be 18 years.
Income	The primary cardholder must earn at least ₹24 lakh or more per annum.
Location	As a card applicant, you must reside in Ahmedabad, Chandigarh, Bangalore, Chennai, Delhi NCR, Kolkata, Mumbai, Hyderabad and Pune.
Residential status	You must be a resident of India to apply for this card.

Well, if you don’t qualify for the Kotak Royale Signature Credit Card, no worries!

You can always go for a better alternative, that is a secured credit card via Stable Money. It has no strict eligibility criteria. All you need is a fixed deposit of ₹5,000 with Suryoday Bank to get started.