Meet these thresholds and you're likely to be approved. Final call is Kotak Mahindra Bank's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time Kotak Mahindra Bank tweaks the program.
Earn 2X here — 0.7% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Crossing ₹1L in the anniversary year waives the ₹999 fee — automatic for spenders at ₹8,333+/month. Watch your pace in months 10–12.
Point value varies across redemption options. Best path: ₹0.25/point. Same earnings, more value.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
8 domestic visits per year. Primary cardholder.
Air accident cover, lost-card liability, emergency card replacement abroad.
For a spender who hits the ₹1L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
Last verified 17 Sep 2026.
Last verified 17 Sep 2026. Sources: Kotak Royale Signature Credit Card product page, Kotak Royale Signature Credit Card fees and charges page, Kotak Credit Cards KFS PDF, Kotak Royale Signature Credit Card eligibility page, kotak.com. Next scheduled review: 17 Mar 2027.
