Key Benefits
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 on every Rs.150 spent on restaurants, travel, airlines, and hotels. It has no joining fee and an annual fee of Rs.999, which is waived in the second year upon spending Rs.1 lakh, making it cost-effective for frequent spenders.
Who should get the Kotak Royale Visa Signature Credit Card?
This card is ideal for frequent travelers and diners who spend regularly on restaurants, airlines, and hotels. Users spending Rs.4 lakhs or more can benefit from milestone rewards of 10,000 to 30,000 points, making it suitable for high spenders seeking premium rewards.
How to maximise rewards on the Kotak Royale Visa Signature Credit Card?
To maximise rewards, focus your spending on restaurants, travel, airlines, and hotels to earn 4 Reward Points per Rs.150. 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 and complimentary lounge access with 2 free visits per quarter. Its low annual fee of Rs.999 with a waiver option makes it a cost-effective alternative to premium cards that often charge higher fees without milestone rewards.