# Kotak Royale Visa Signature Credit Card

**Best for:** Frequent diners and travelers

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn 4 Reward Points on dining expenses · Complimentary airport lounge access quarterly · Fee waived with Rs.1 Lakhs spending

## Fees

- **Joining Fee:** Joining Fees - Nil
- **Annual Fee:** Annual Fee of Rs.999
- **Fee Waiver:** First Year Fee Waived Upon Spending Rs.1 Lakhs
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 4 Reward Points on Every Rs.150 Spent on Airlines and Air Carriers
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- **Milestone Benefits:** Array

## Lounge Access

- **Domestic:** Enjoy 2 Complimentary Airport Lounge Access Per Quarter

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