NRI Royale Signature Credit Card – benefits made for Indians abroad

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

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 -> 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;

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;


  • WebPAY
  • IMPS
  • Net Banking

Through NEFT

  • Visa Payment


  • 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.

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