Royale Signature Credit Card

The Kotak Royale Signature Credit Card is a lifestyle and rewards-focused card designed for individuals who spend across travel, dining, and everyday categories. It offers an accelerated reward structure, earning 4 reward points for every ₹150 spent on hotels, restaurants, travel agencies, airlines, and international transactions, while earning 2 reward points on all other eligible base categories. This tiered earning system makes it particularly well-suited for frequent travellers and diners looking to maximise returns on their regular expenditure. One of the card's standout features is its milestone-based bonus program, rewarding cardholders with 10,000 bonus reward points upon crossing ₹4 lakh in annual spends, or an impressive 30,000 bonus reward points on reaching ₹8 lakh in annual spends. Additionally, cardholders enjoy 2 complimentary domestic airport lounge visits per quarter at select DreamFolks lounges, complete with gourmet meals, Wi-Fi, and comfortable seating. Further value comes through fuel surcharge waivers on transactions between ₹500 and ₹5,000, railway surcharge waivers on IRCTC bookings and railway counters, and an annual fee waiver for cardholders who spend ₹1,00,000 or more in retail purchases annually. Add-on card functionality with individual spend tracking rounds out its offering, making this a comprehensive card for lifestyle-oriented spenders seeking meaningful rewards. Please note this card has been discontinued for new applications.