CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
32
#105 of 173 in credit
Kotak Mahindra Bank

Royale Signature Credit Card

creditVisasignature

Everyday signature-tier card.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value12/100 · weight 65%
≈ 0.58% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks37/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹999 + 18% GST
= ₹1,179 total
Annual fee
₹999 + 18% GST
= ₹1,179 / year total
Waiver: Spend ₹1.25L/yr
Forex markup
2.5%

Lounge access

Domestic (per year)
4
International (per year)
2

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
diningpoints1.00%(4 pts @ ₹0.25)——
travelpoints1.00%(4 pts @ ₹0.25)——
all_spendspoints0.50%(2 pts @ ₹0.25)——