NRI Royale Signature Credit Card is a card from Kotak Bank that makes every detail exceptional for NRI. With a host of customized features, you can enjoy benefits that are tailor-made for Indians abroad. Cardholders enjoy reward points on every purchase and points can be redeemed across a host of redemption options like Movie tickets, Air tickets, Airmiles, cash, and more.
NRI Royale Signature Credit Card Benefits
- Cardholders earn 2X rewards on spends outside India. This implies 2 rewards points for every Rs. 200/- spent
- Get 1 reward point for every Rs. 200/- spent within India
- Reward points accumulated, can be redeemed across a host of redemption options like Movie tickets, Air tickets, Air miles cash, etc.
- 1 Reward Point, equals Re 1/-
- This card gives you the freedom to purchase and pay in INR
- There’s a fuel surcharge waiver
- Enjoy railway surcharge waiver
- Protect yourself with NRI Royale Shield, if your credit card is lost, you get a cover of Rs. 2,50,000/- against fraudulent usage up to 7 days pre-posting
- Get an add-on card to your spouse, parents, or children (above 18 years), and extend the benefits of the NRI Royale Card to your loved ones
- Travel with ease, with Airport Lounge Access. This Airport Lounge Access offers complimentary access to Airport Lounges in India and enjoys benefits, like a gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi.
NRI Royale Signature Credit Card Fees/ Rates
- Annual Fee – Rs. 1000
- Joining Fee – None
- Addon Card Fees – Rs. 599 per Add on card
- Interest Charges on Outstanding Balances – 3.10% (Annualized 37.2%)
- Over Limit Charge – Rs. 500
- Cheque Bounce Charges – Rs. 500
- Foreign Currency Mark Up – 3.5%.
How to Apply for NRI Royale Signature Credit Card
Eligibility Criteria
- Firstly, the primary credit cardholder should be between 18 – 75 year’s age bracket
- The Add-on cardholder should be at least 18 years of age
- The only people eligible for this card are NRE/NRO account holders are eligible for the card
- Fourthly, the credit limit offered with this card may be as high as 80% of your Fixed Deposit (FD) amount
- The minimum FD amount – Rs. 1 lac
- Individual FDs are the only ones allowed
- The applicant should be an NRI having an Indian residential address.
How to Apply
- Firstly, go to Kotak Mahindra Bank Ltd application page
- Secondly, once on the webpage, do the following; Answer the question, “Are you an existing customer”?
- Key in your Company CRN (Optional), Company name, Applicant Name, Mobile number, Official Email, Address, PIN Code, and Annual Turnover.
- Tap on the “Submit” button, to proceed further.
- Lastly, you can alternatively apply offline, by visiting the nearest Kotak Mahindra Bank branch, with the required documents, and meet a bank representative. Fill up the application form, and submit the documents.
How to Check NRI Royale Signature Credit Card Application Status
- To check NRI Royale Signature credit card application status, scroll to Kotakcards.com -> Apply online -> Check online Application status.
- You can also call at 1860-266-2666 or +91-22-6600-6022, to check your application status.
How to Login NRI Royale Signature Credit Card
To gain access to your credit card;
- Firstly, scroll to https://www.Kotak.com/j1001mp/netapp/MainPage.jsp
- Secondly, on the webpage, enter your CRN/Customer ID or Nickname
- Thirdly, key in also your Password
- Fourthly, tap on the “Take me directly to”, and choose the option that you want
- Lastly, tap on the “Secure Login”
How to Recover NRI Royale Signature Credit Card Password
- Firstly, on the login link, tap on the “Forgot/ Blocked Password?
- Secondly, on the new page, enter the following details, CRN / Customer ID, Nickname.
- Next, key in the text shown above
- Fourthly, tick on the box, to confirm that you accept the Terms & Conditions of the card
- Lastly, tap on the “Continue” button to proceed further.
How to Make NRI Royale Signature Card Bill Payment
Make your bill payment, via the following mediums;
Online
- WebPAY
- IMPS
- Net Banking
Through NEFT
- Visa Payment
Offline
- Over the counter
- Drop boxes
- Auto debit
- Phone Banking.
NRI Royale Signature Credit Cards Customer Service Number
Call: 1860 266 2666, to gain access to a customer care agent.