Kotak Royale Signature Credit Card
Ultra-premium credit card with accelerated rewards, unlimited lounge access, golf privileges, and exclusive concierge services
Apply for Kotak Royale Signature Credit Card
Experience ultra-premium lifestyle benefits and exclusive privileges
Card Overview
The Kotak Royale Signature Credit Card is an ultra-premium credit card designed for high-net-worth individuals who demand the finest lifestyle experiences. With accelerated reward points, unlimited airport lounge access worldwide, complimentary golf rounds, and 24/7 concierge services, this card redefines luxury banking.
Earn 4 reward points for every ₹150 spent across all categories, with special bonus points on international spends. The card provides unlimited domestic and international airport lounge access through Priority Pass, along with complimentary golf rounds at premium courses across India.
Whether you're traveling internationally, dining at fine restaurants, or shopping at luxury boutiques, the Kotak Royale Signature Credit Card offers unparalleled rewards and privileges. Check your eligibility using our Credit Score Calculator before applying.
Key Features & Benefits
Premium Rewards
Earn 4 reward points per ₹150 spent on all purchases, with 2X points on international spends
Unlimited Lounge Access
Unlimited domestic and international airport lounge access with Priority Pass membership
Golf Privileges
4 complimentary golf rounds per quarter at premium golf courses across India
Welcome Benefits
Get 10,000 bonus reward points on spending ₹1 lakh within 60 days of card issuance
Zero Foreign Markup
0% foreign currency markup on international transactions (limited period offer)
24/7 Concierge
Dedicated concierge services for travel bookings, restaurant reservations, and lifestyle assistance
Fees & Charges
Eligibility Criteria
Age
21 to 65 years
Minimum Income
₹15 lakhs per annum (₹1.25 lakhs per month)
Credit Score
750 or above required for approval
Employment
Minimum 2 years work experience with reputed organization
Residence
Indian resident with valid address proof
Documents Required
Identity Proof
- PAN Card (mandatory)
- Aadhaar Card
- Passport / Voter ID / Driving License
Address Proof
- Aadhaar Card
- Utility Bills (not older than 3 months)
- Passport / Driving License
Income Proof (Salaried)
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / Latest ITR
Income Proof (Self-Employed)
- Last 2 years ITR with computation
- Last 6 months bank statements
- Business registration documents
How to Apply
Click Apply Now
Click the "Apply Now" button to start your premium card application
Fill Application Form
Provide your personal, employment, and income details
Upload Documents
Upload required documents including income proof and identity verification
Credit Assessment
Bank will assess your credit profile and income eligibility
Video KYC
Complete video KYC verification from home
Receive Premium Card
Get your Royale Signature card delivered within 7-10 days
Customer Reviews
"Best premium card I've owned. The unlimited lounge access and golf privileges are exceptional. The concierge service is truly world-class and very responsive."
- Arjun Kapoor, Mumbai
"The 0% foreign markup is a game-changer for international travel. Combined with Priority Pass, this card has saved me thousands on my business trips abroad."
- Neha Sharma, Bangalore
"Excellent rewards and benefits. The golf privileges are fantastic. Only wish the reward redemption value was slightly better, but overall a great premium card."
- Rajesh Gupta, Delhi
"Worth every rupee of the annual fee. The lifestyle benefits, dining privileges, and travel perks make this card indispensable for my premium lifestyle needs."
- Priya Malhotra, Pune
Frequently Asked Questions
What is the reward rate on Kotak Royale Signature?
You earn 4 reward points for every ₹150 spent on all purchases. International spends earn 2X points (8 points per ₹150). Welcome bonus of 10,000 points on spending ₹1 lakh in first 60 days.
Is the airport lounge access truly unlimited?
Yes, you get unlimited domestic and international airport lounge access through Priority Pass membership. There are no quarterly or annual limits on lounge visits.
How many golf rounds do I get?
You get 4 complimentary golf rounds per quarter (16 rounds per year) at premium golf courses across India. Additional rounds can be availed at discounted rates.
What is the minimum income requirement?
For salaried individuals, minimum income is ₹15 lakhs per annum. For self-employed, it's ₹20 lakhs per annum based on ITR. A credit score of 750+ is required.
Is there really 0% foreign currency markup?
Yes, currently there is 0% foreign currency markup on international transactions as a limited period offer. This makes it one of the best cards for international travel and shopping.
How can I waive the annual fee?
The annual fee of ₹5,000 + GST is waived if you spend ₹5 lakhs or more in the previous year. Given the premium benefits, most cardholders easily meet this threshold.
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