The Kotak Royale Visa Signature has a ₹999 annual fee (waived on ₹1 lakh annual spend), earns 4 Reward Points on Every ₹150 Spent on Hotels (2 Reward Points on Every ₹150), includes 2 airport lounge visits a quarter and charges a 3.5% forex markup.
| Annual fee | ₹999 |
|---|---|
| Joining fee | None |
| Annual fee waived | On ₹1 lakh annual spend |
| Top reward rate | 4 Reward Points on Every ₹150 Spent on Hotels |
| Base rewards | 2 Reward Points on Every ₹150 |
| Lounge access | 2 airport lounge visits a quarter |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
215 online offers across 162 brands right now, each valid for at least another 7 days. Checked 24 Oct.
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
These are Kotak Mahindra Bank's own offers and Visa network offers, so they apply to every Kotak Mahindra Bank Visa card, not just this one. All Kotak Mahindra Bank offers by category.
More about the Kotak Royale Visa Signature Credit Card
Is the Kotak Royale Visa Signature Credit Card worth it in 2026?
Yes, the Kotak Royale Visa Signature Credit Card offers strong rewards with 4 Reward Points for every Rs.150 spent on travel, airlines, hotels, and restaurants. It also provides 2 complimentary airport lounge accesses per quarter and a fee waiver on the second year after spending Rs.1 lakh, making it cost-effective for frequent travelers.
Who should get the Kotak Royale Visa Signature Credit Card?
This card is ideal for frequent travelers and diners who spend regularly on airlines, hotels, and restaurants. Users who can spend Rs.4 lakhs or more annually can benefit from milestone rewards of up to 30,000 points, maximizing their returns on travel and lifestyle expenses.
How to maximise rewards on the Kotak Royale Visa Signature Credit Card?
To maximise rewards, focus your spending on travel, airlines, hotels, and restaurants to earn 4 Reward Points per Rs.150 spent. Additionally, aim to spend Rs.4 lakhs and Rs.8 lakhs annually to unlock milestone bonuses of 10,000 and 30,000 reward points respectively.
Is the Kotak Royale Visa Signature Credit Card better than a top competing premium card?
The Kotak Royale Visa Signature offers competitive rewards on travel and dining with no joining fee and a low annual fee of Rs.999, waived in the second year upon spending Rs.1 lakh. While some premium cards may offer higher rewards or more lounge access, this card balances cost and benefits well for mid-tier premium users.