Cards / Kotak Mahindra

Kotak MahindraKotak NRI Royale Signature Credit Card

Kotak NRI Royale Signature Credit Card Credit Card

Kotak Mahindra Bank · Premium

Reviewed by Chandan Kumar Dash

2 reward points per Rs 100 on spends outside India (1 point = Re 1); NRI customers.

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Joining fee

Free

Annual fee

₹1,000

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

Offers on this card now

• Shopping
  Tata CLiQ

  12.5% instant discount on Tata CLiQ Fashion and Luxury

  Fashion: minimum ₹3,000, maximum discount ₹1,000, code TCFKOTAK. Luxury: minimum ₹7,500, maximum discount ₹2,500, code TCLKOTAK. Valid on select Kotak credit cards.

  Ends 30 NovBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 1 point per Rs 200 on utilities, up to Rs 50,000 spend a cycle
• 1 point per Rs 200 on education, up to Rs 70,000 spend a cycle
• 1 point per Rs 200 on insurance, up to Rs 70,000 spend a cycle
• 2 points per Rs 200 on spends outside India
• 1 point per Rs 200 on spends in India

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter

Points

Reward Points, worth about ₹0.7 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

For NRI customers

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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