AU Small Finance Bank Altura Credit Card
AU Small Finance Bank
Rewards 1.0%
Net Value ₹6,006
Joining Fee ₹199
Renewal Fee ₹0
— • Forex 3.5%
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Entry-level dining and lifestyle credit card
Joining Fee
₹999
+ 18% GST
First Year Net
+₹4,917
Annual Fee
₹999
+ 18% GST
Renewal Net
+₹4,917
Base Reward Rate
0.5%
2 points per ₹150
Best Category
2.5%
Final Net Score
13
out of 100
Net Annual Value
+₹6,096
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
13/100
Effective Reward Rate
Weighted average based on your spending categories
0.8%
Annual Net Value
Expected yearly benefit after all costs
₹6,096
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Entry-level dining and lifestyle credit card
Launch Date
2018
Networks
Visa Signature
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹10,000 / mo
Sweet spot
₹1,50,000 / mo
Net value / year
+₹6,096
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 8,333 monthly spend.
- Top earning category: kotak partner merchants has elevated rewards, which can improve value when your spend matches it.
- Portal rewards: Extra value may depend on booking or spending through Kotak Rewards Catalog.
Details
Spend curve and supporting scenario values
Kotak Royale Signature Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹999
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 0.5% reward rate
- Lounge Access: Available
- Our Rating: 13/100
Kotak Royale Signature Credit Card - Frequently Asked Questions
What are the benefits of Kotak Royale Signature Credit Card?
Kotak Royale Signature Credit Card from Kotak Mahindra Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Kotak Royale Signature Credit Card?
Kotak Royale Signature Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does Kotak Royale Signature Credit Card cost?
The annual fee for Kotak Royale Signature Credit Card is ₹999. Additional charges may include foreign transaction fees and late payment charges.
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