What is the annual fee for the Kotak Mahindra Bank Royale Signature?

The annual fee for the Kotak Mahindra Bank Royale Signature is ₹999. It can be waived on annual spends of ₹1,00,000.

Does the Kotak Mahindra Bank Royale Signature offer airport lounge access?

Yes — the Kotak Mahindra Bank Royale Signature offers 2 domestic per quarter lounge visits.

What rewards does the Kotak Mahindra Bank Royale Signature earn?

It earns 0.33% on eligible spends as Reward Points.

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Royale Signature — Kotak Mahindra Bank Credit Card | Card Manager

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Kotak

Premium

•••• •••• •••• 0000

Royale Signature

VISA

Royale Signature

Kotak Mahindra Bank • Visa• Premium

catalog

Annual Fee

₹999

Base Reward Rate

0.33%

Foreign Tx Fee

3.5%

Tier

Premium

Joining Fee

Free

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDreamFolks

2 per quartermedium

✓ No activation spend required — access is unconditional.

2 visits/qtr DreamFolks.

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹66

Dining₹5,000/mo

+₹34

Grocery₹8,000/mo

+₹26

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹17

Online Shopping₹8,000/mo

+₹26

Utilities₹3,000/mo

+₹10

Annual earnings

₹2,144

Blended 0.34% effective return

Monthly spend₹52,000

Monthly earnings+₹179

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

4X on dining/travel/international.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹0.50 depending on redemption (cashback → flights/transfer).
value range
0.33% base reward rate on all eligible spends. 2X RP.
0.33%medium
Dining: 0.67% — 4X on dining/travel/intl.
0.7%medium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

domestic via DreamFolks: 2 per quarter — no spend needed
2/quartermedium

Payments

Joining fee: Free. Annual: ₹999.
₹999
Annual fee waived on spending ₹1,00,000 per year.
Spend ₹1,00,000
Milestone: spend ₹4,00,000/year → 10,000 Reward Points on annual spends of ₹4,00,000 (worth ₹2,500)
+₹2,500 valuehigh
Milestone: spend ₹8,00,000/year → 30,000 Reward Points on annual spends of ₹8,00,000 (worth ₹7,500)
+₹7,500 valuehigh