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The Kotak Royale Card is a VISA Signature card.
The Kotak Royale Card offers membership to an eilite group wjp will savour exclusive treatments and indulgences to celebrate life.
The card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.
A powerful rewards program, in which you earn 1 point on every Rs. 100/- spend. Enjoy a hassle free redemption experience with auto encashment of your points - every 3 months or 1000 points – which ever is earlier. Rewards are en-cashed at 1 point = Re. 1
Priority Attend, our premium customer service initiative for Platinum customers. Just SMS KASSIST to 5676788 & we will reach you. You can also avail of our complimentary cheque pick up service for payments.
Besides this, enjoy Concierge Services, Golf Fee Card, Taj Epicure Membership, Insurance Cover, Fuel Surcharge Waiver at any pump, complete Railway Surcharge Waiver and exciting EMI & BT plans that no one else offers.
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Kotak Royale Signature Card |  |
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Royale Shield
Royale Priority Attend
Royale Rewards
Royale Access
Royale Travel
Royale Assist
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Privileges
| Joining Gifts Details | Rs.25,000 |
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| 25% savings on spends at Taj Restaurants & Bars |  |
| Priority pass gives you access to over 600 VIP lounges in more than 100 countries and 300 cities worldwide. The priority pass is valid for one year. The complimentary access is only for Primary holder of Kotak card. Accompanying guests will be charged as per the applicable visit charges of the lounge. |
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| kaya skin clinic - Lifetime complimentry skin consultancy. | |
| Choose either an Emporio Armani watch or a Canon digital camera or Makemytrip.com vouchers. | Emporio Armani Designer Watch OR Canon Digital Camera OR Makemytrip.com Vouchers worth Rs. 25000/- |
On your Kotak credit card, you now have the choice to select the reward program that you like. Choose between:
4 SIMPLE STEPS TO CONVERT YOUR REWARD POINTS TO AIRMILES STEP 1 - CALL TO REGISTER Call customer care and register yourself for Airmiles. STEP 2 - ACCUMULATE POINTS We will hold auto-redemption of reward points & begin to accumulate them for you. STEP 3 - CALL TO REDEEM When you have accumulated enough reward points, you can redeem by simply calling. STEP 4 - CONVERT TO MILES Your reward points will be converted to your preferred Airmiles. AIRLINE PARTNERS You can convert your reward points to Airmiles from amongst our airlines program partners:
1 Reward Point = 1 Airmile |
What is the Annual & Joining Fee for this Card? There are no annual fees on the Kotak Royale Signature Card. The one time Joining fees is Rs. 25000/- Is this Card valid internationally? Yes, the Kotak Royale Signature card is valid internationally. Do I enjoy any interest free period on retail? Yes, you enjoy an interest free period on retail transactions of up to 48 days, calculated as starting from the first day of your billing cycle till your payment due date. Do I enjoy any interest free period on cash? The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal. When do you charge me a Mark Up? A Mark up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up. When do you charge me an over limit charge? If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs 500 in each billing cycle that you are over limit. When do you charge me a late payment fee? If in a billing cycle your payment received till the payment due date is lesser than MAD it will attract a flat late payment charge of Rs 350 in the next billing cycle. Am I entitled for an Add on Card? Yes, Add on cards are available on Royale Signature Card. It is offered complimentary to the Kotak Royale Signature customers. Are all the Royale features available on the Add on card? Yes, all Royale features can be availed by the add on card holder. Rewards How do I earn points? On every spend of Rs. 100 on your card you earn 1 reward point and 25% bonus points from Kotak Credit Cards. Therefore for a spend of Rs. 100/- you earn 1.25 points. What is the value of the reward points? The value of each Reward point is Re. 1/-. How do I redeem the points earned? Points will be credited to the primary card account every 3 months (all points) or every 1000 points earned, whichever is earlier. What are the transactions that are not eligible for reward points? Railway transactions Personal loans Cash advances and fees such as joining fee Annual fee Add-On Card fee Multiple Card fee Balance transfers Cash advance transaction fee Charges for dishonored cheques Financial charges Delinquency charges Late payment charges Collection charges and any other fee or charge levied by the Bank Balance transfers EMI transactions Cash withdrawals Demand draft and service charge transactions Priority Attend What is ‘Priority Attend’? This is a premium customer service initiative from Kotak Credit Cards for Signature customers. Under the service we offer a Priority call back, whenever you want to reach us. And also complimentary cheque pick up for payments. Do I have to register for this service? Just register your mobile number with us once and then whenever you want us to reach you, all you need to do is SMS Kassist to 5676788. Incase of emergency where can I call? Incase, you feel a need to speak to a Customer care executive immediately, you could call us on 1800 11 6022 (North India) or 1800 226022 (Rest of India) Insurance Cover What is the insurance cover on the Signature card? On the Signature card the insurance cover is for Lost/stolen card fraudulent charges cover provided by Tata AIG General Insurance. What does the Fraudulent Charges cover include? If your credit card is lost or stolen, Tata AIG will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card, up to 12 hours prior to your first reporting the event to Kotak Credit Card Customer Care. For details do read the Policy wordings What does the insurance cover exclude? Tata AIG will not pay for any expenses or loss for:
What is the total sum insured? The sum insured is Rs. 1, 00, 000/- for a year, with a single occurrence limit of Rs. 50000/- for details do read the Policy wordings. What do I have do, incase my credit card is lost or stolen? You need to immediately call Kotak Credit Cards Customer Care & report the loss. You need to call Tata AIG at 1800119966 or provide written intimation to make a claim and obtain the proper forms and instructions within 24 hours from discovering an unauthorized charge was made on your lost or stolen credit card. Insurance is only provided on the primary card and not the add-on/supplementary cards. Kotak Credit cards will not responsible for any disputes arising out of any claims. All claims will be directly handled by Tata AIG General Insurance Company Limited Priority Pass Do I have to pay to access the lounge under priority pass? The membership to the priority pass is complimentary to the Kotak Signature Credit Cards customer. No membership fee and No access charge for visit by the primary card holder. Which are the airport lounges which accept priority pass? Priority Pass offers access to over 500 lounges, literally from Aberdeen to Zurich and at over 300 airports in between. Visit www.prioritypass.com/Lounges/index.cfm for the entire list. What can I expect from a lounge? Peace. Space. Comfort. The chance to relax before the flight. Or if you wish you can use the lounge business facilities to catch up on work and stay in touch with the office. Or why not do a bit of both? I normally travel business class anyway so why would Priority Pass be of use to me? Many major airlines have their lounge facilities which are available at select destinations only. Priority Pass offers you access to over 500 lounges with facilities & an experience unmatched by any airline lounge. Although most of the major airlines will have their own lounge facilities at many of their destinations, this is not always guaranteed. And it is usually at the less popular destinations where an airline lounge does not exist that you need one most! Priority Pass is a great back-up in such circumstances. My membership of Frequent Flyer programs gets me into lounges so why do I need Priority Pass? As membership of Frequent Flyer programs continues to grow, many airlines are becoming more restrictive with lounge access. And remember it's not always possible to fly with your preferred airline. Priority Pass lounges don't have such restrictions and it doesn't matter which airline you are flying with. What if I am traveling with a colleague who isn't a member of Priority Pass? You can invite friends or guests to join you in the lounges. Most lounges will allow any number of guests but where there are limits; details are shown in the Lounge Directory and on the lounge search. Guest visit will be charged to your credit card. Can I use lounges even when I’m not traveling on business? Of course. But if you are traveling with your family, please note that some lounges, particularly in the UK, do not allow access for children less than 12 years of age. Can I use the lounges irrespective of the airline I am flying with? Yes. All lounges listed in Priority Pass Directory are open to all members, irrespective of the airline you fly with. Joining Gift When will I get the joining gifts offered on the Signature credit Cards You will receive the joining gifts within 30 days of realization of the Joining Fees. Royale Assist What are the services offered under Royale Assist? The services offered under Royale Assist
What do I get under “Car Rental and Limousine Referral and Reservation Assistance” We offer a reference to ‘rent a car’ or a ‘limousine rental’ companies (provides Name, telephone number, address of the Car & Limo Rental Company) and also assist you by arranging for the rental if requested. What do I get under “Special Events and Performance Assistance” We assist you with the information of special events and performance held in major Indian/Foreign cities. Also assist you by making the reservation on your behalf, if requested. What do I get under “Restaurant Referrals and Reservations” We assist you with the information of fine dining restaurants. And also assist you in making reservations on your behalf, if requested. What do I get under “Flower & Gift Delivery” We assist you with the information on Flower and gift delivery companies. And also assist in booking the same for delivery. What do I get under “Sourcing of Luxury Items – Within India only” Incase you wish to purchase certain luxury items (e.g. a Louis Vuitton Handbag, a bottle of wine of a certain vintage etc.) We assist you by providing referral information regarding the provider of the item. Also assist you by arranging to source the item and delivered to you. What do I get under “Golf Course Referral and Reservation Assistance” We assist you with whenever possible, by providing the address and telephone number of golf courses in India. We also facilitate in making the reservation on behalf of the User, if requested. Taj Epicure membership What is The Taj Epicure Membership? Taj Epicure Membership is the exclusive dinning privileges from the Taj.As a Signature card member, you will be enrolled into the ‘Epicure Plan’ of Taj and will earn back upto 25% of the bill every time you dine at Taj Restaurants. You will also get a Complimentary membership to the Silver tier of the Taj Inner Circle – in which you earn 1 Taj Inner Circle Point per every Rs 100 spent for stay at the Taj around the world. 1 Point is equal to Rs 10. What is the eligibility for the membership? The Signature Card holders get a complimentary Taj Epicure Plus membership in which members would earn 25% of the bill amount. What are the benefits I enjoy with the Taj Epicure membership? You will receive your new membership card with the set of complimentary vouchers Two certificates for a 50% off on the rack rate during weekends at select hotels of the Taj. (Check-in on a Friday or Saturday and check out on a Saturday or Sunday) A certificate for 50% off on a buffet lunch at Taj Coffee Shops between Monday and Saturday A voucher for a complimentary round of drinks at participating bars and restaurants on any evening of the week. Buy one round – the next one’s on Taj! What is The Taj InnerCircle Programme? The Taj InnerCircle is the frequent guest programme of the Taj Hotels Resorts and Palaces. Besides a host of benefits, members earn points when they stay or stop by for a meal at one of the restaurants, at participating Taj Hotels in India and abroad. Members earn points on eligible spends on room, food and beverage, laundry, telephone and business centre. The points are redeemable for holidays and memorable meals at the Taj and for gifts from a hand-picked selection of merchandise. The Epicure Card members automatically become members of the Inner Circle membership also Where can I know more about Taj Epicure Program? For any queries relating to the program, please call the Taj InnerCircle Member Services on 022 6601 4842 or fax (022) 66352727. Or, email innercircle@tajhotels.com Details on the Program are also available at: www.tajhotels.com/TajInnercircle How would I know about my point status? to keep you posted on your Points, Taj Epicure team will send you a monthly e-statement to you. You can also call up the Epicure Call Centre. What if I am already a Taj Epicure Member? You would receive a new membership Card with a certificate for 50% off on a buffet lunch at Taj Coffee Shops between monday and Saturday. You would also receive the set of Vouchers. Fuel Surcharge Waiver Where is the waiver valid? Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but Kotak Trump Card will offer the customer fuel surcharge waiver across all domestic petrol pumps. Is the offer valid for other motor accessories & items e.g. engine oil, coolant, etc? If the purchase is done at a fuel pump then the surcharge will be reversed What is the minimum/ maximum transaction amount for a single swipe? The minimum is Rs 400 and the maximum is Rs 4000. What is the maximum fuel surcharge waiver that I can get on a single transaction? The maximum transaction amount for a single swipe is Rs 4000. Hence the maximum surcharge waiver can be Rs 100 (2.5% of Rs 4000). Is there any monthly or annual cap on how much surcharge can I earn? No there is no monthly or annual cap on the surcharge that can be earned. Railway Surcharge Waiver When is the waiver applicable? On purchasing of rail tickets online the customer levied a 2.5% surcharge and a delivery charge of Rs 30. Kotak League Platinum Card offers you a Railway Surcharge Waiver on this. Is the waiver applicable on the delivery charge? No. There is no waiver applicable on the delivery charge. What is the maximum surcharge waiver that I can get? You can earn up to Rs 500 annually as Railway Surcharge waiver. Is the waiver applicable at the ticket booking counters? Yes, the 1.8% surcharge waiver is applicable at booking counters as well if you use your Kotak League Platinum Card to buy the tickets. Is there a special service offered while canceling the tickets? No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets. |
Value Chart
| Kotak Advantage | Royale 25,000 |
|---|---|
| Get a designer watch or a digital camera as joining gift | 25000 |
| Reward Points Rs.30,000 per month spends |
6000 |
| Taj Epicure Membership | 5000 |
| Golf Fee Card Membership | 6000 |
| Priority Pass Membership Twice a year $ 27 per usage |
2000 |
| Fuel Surcharge Waiver Rs. 8000 per month fuel spends (saving of 2.5% surcharge) |
2400 |
| Zero Charge EMI – 3 months Plasma TV for 75,000 saving of 12% interest rate p.a. & 2% processing fee |
3750 |
| Your Total Savings | 50,150 |
Minimal Charges; Simplified for You
| Just 8 Charges | Other's Complicated Fees | Kotak Flat Fees |
|---|---|---|
| Late Payment Charge | Range Rs. 300/- to Rs. 600/- with 30% of Minimum Amount Due | Rs. 550/- |
| Over Limit Charge | 2.5% on over limit amount (subject to a minimum of Rs. 500/-) | Rs. 500/- |
| Cheque Bounce Payment | 2.5% of amount or Rs. 250/- whichever is lower | Rs. 300/- |
| Cash Withdrawal /Call a Draft /Fund Transfer (Per Rs. 10,000/- or part thereof) | 2.5% or Rs. 250/- to Rs. 300/- whichever is higher | Rs. 300/- |
| Foreign Currency Mark Up | 3% to 3.5% | 3.50% |
| Interest Charges | 3.10% | 3.10% |
| Add-on Card | Bank dependent | Waived |
| Joining fee | Bank dependent | Rs. 25,000/- |
| Cash Payment at Branch** | Bank dependent | Rs.75 |
** Charge applicable with effect from 20 Sept 2010
Kotak No Charge Advantage
| Other Charges | Other Credit Card Charges | Kotak Credit Card Charges |
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| Lost card replacement charge | |
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| Charge slip retrieval charge | |
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| Machine surcharge at ATMs | |
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| Charge for duplicate statement | |
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