customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
Offers on Paisabazaar are only from Credit Institutions regulated by the RBI
meter

Kotak Mahindra NRI Royale Signature Credit Card

Home Credit Card Kotak Mahindra Bank NRI Royale Signature Credit Card
Updated: 26-09-2025 07:25:14 AM

Kotak Mahindra NRI Royale Signature Credit Card is designed for Non Resident Indians. Users get benefits such as accelerated reward points on international spend, lounge access and so on. Continue reading to know more about this card.

On this page

Note: Kotak Mahindra Bank is not taking new credit card applications. Content on this page is for information purpose only. 

Kotak Mahindra NRI Royale Signature Credit Card – Features and Benefits
Kotak Mahindra NRI Royale Signature Credit Card – Fees and Charges
Kotak Mahindra NRI Royale Signature Credit Card – Eligibility Criteria and Documents Required
How to Apply for Kotak Mahindra NRI Royale Signature Credit Card
FAQs

Kotak Mahindra NRI Royale Signature Credit Card – Features and Benefits

The features and benefits associated with Kotak Mahindra NRI Royale Signature Credit Card are:

Reward Points Customers earn 2 Reward Points for every Rs. 200 spent overseas. 1 reward point is earned on transactions made in India.

1 Reward Point = Rs. 0.70

Restrictions on Reward Earning w.e.f 1 June 2025

Category Details
Education, Insurance No benefits on spends above Rs. 70,000
Utility No benefits on spends above Rs. 50,000
Govt. Spends No benefits on spends above Rs. 40,000
Wallet Load, Fuel, Rent, Online Gaming No rewards/ cashback

Fuel Surcharge Waiver Get Fuel Surcharge waiver up to Rs. 3,500 in a year on fuel transactions made between Rs. 500 and Rs. 5,000 in a statement cycle

Security Get up to Rs. 2.50 lakh as insurance against fraudulent transactions made up to 7 days before reporting

Lounge Access Complimentary access to airport lounges in India

Kotak Mahindra NRI Royale Signature Credit Card
Good For:

People who want a premium credit card

Indians who reside overseas

Cardholders who want lounge access

 Bad For:

Indian Residents

People who want a low foreign currency mark up card

Cardholders who want concierge services

Note: A 1% transaction fee is applicable on select categories exceeding monthly spend thresholds – wallet loading & online gaming exceeding cumulative spends of Rs. 10,000; utility spends exceeding Rs. 50,000 and  fuel spends exceeding Rs. 35,000.

Kotak Mahindra NRI Royale Signature Credit Card – Fees and Charges

Fee/Charge Amount
Annual Fee Rs. 1,000
Add-on Card Fee Rs. 599
Finance Charges (Interest Rate) 3.75% p.m. (45.00% p.a.)
ATM Cash Withdrawal Charges Rs. 300
Late Payment Fee Rs. 100 – For outstanding balance less than Rs. 500
Rs. 500 – For outstanding balance between Rs.500 and Rs. 10,000
Rs. 700 – For outstanding balance greater than Rs. 10,000
Overlimit Fee Rs. 500
Cheque Bounce Charges Rs.500
Foreign Currency Markup 3.50% of the amount
Cash Payment Charges Rs. 100
Card Reissue/Replacement Charges Rs. 100
CIBIL Report Copy Rs. 50

Kotak Mahindra NRI Royale Signature Credit Card – Eligibility Criteria and Documents Required

Eligibility
  • Applicant must be in the age bracket of 18 to 75 years of age
  • Add-on cardholder should be over 18 years of age
  • Customers must have a Non-Resident Rupee (NRE)/ Non-Resident Ordinary Rupee (NRO) account
  • Customer must have a Fixed Deposit of at least 1.00 lakh
  • NRIs with Indian Residential addresses only can apply
Documents Required

Certain documents will be asked for by the bank to establish the applicant’s income, identity and address. Customer can submit any one of the documents to establish the same.

Proof of Identity PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

How to Apply for Kotak Mahindra NRI Royale Signature Credit Card

Customers can apply for this credit card by visiting the nearest Kotak Bank branch or by visiting the website.

Applicant will have to submit the self-attested photocopies of their Know Your Customer (KYC) documents when applying for this credit card via branch visit. In case they have applied for this credit card via the bank’s website. Then a representative from the bank will get in touch with the customer to set a date and time for document collection. Give the representative the self-attested photocopies of the KYC documents. Post verification the customer can expect to receive the credit card in about 15 days.

Suggested Read: Kotak Mahindra Bank FD Interest Rates

FAQs

Who can apply for Kotak Mahindra NRI Royale Signature Credit Card?
Non-Resident Indians who have a valid Indian address and are between the ages of 18 and 70 can apply for this credit card.

Is it necessary to have a Non-Resident Rupee (NRE)/ Non-Resident Ordinary Rupee (NRO) account?
Yes, only customers that have a NRE/NRO account can apply.

Is this a secured or unsecured credit card?
Kotak Mahindra NRI Royale Signature Credit Card is a secured credit card issued against a fixed deposit.

Is there an add-on card fee?
Yes, Kotak Bank does charge a fee of Rs. 599 to issue an add-on credit card.

meter
Menu