Kotak Royale Signature Credit Card Review

By | July 22, 2022
Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card

Kotak bank credit cards are not so popular and rewarding in the world of credit cards. Nevertheless being in tier-2 city, it doesn’t harm if one is able to grab a premium credit card from well known bank. Off late their merchant offers are on the rise.

Kotak Royal Signature Credit Card, one of the most premium offerings from Kotak bank stands a tad below 2 of their cards viz. Kotak Privy League Signature Card, Kotak Wealth Management Infinite Card but both require quite handsome NRV to be maintained as their eligibility criteria.

Rewards & offers available are hardly differentiable between them though.


TypeEntry-Level Credit Card
Reward Rate0.6% – 1.2%
Annual FeeNil
Best forNothing except the card design
USPMilestone benefits

Kotak Royal Signature Credit Card is an unattractive entry-level credit card that is sold as if it is a premium credit card. Don’t fall for it!

Joining Fees

Joining feeNil
Welcome BenefitNil
Renewal Fee999 INR + GST
Renewal BenefitNil
Renewal Fee WaiverSpends of > 1,00,000 INR

After the recent changes done to the product, it now makes sense for anyone to get this card for free. But honestly you shouldn’t be getting this card as there are many other Kotak Bank Credit Cards worth choosing from.


Regular Rewards

Regular Spends2 RP’s on every 150 INR0.3%
Special Categories4 RP’s on every 150 INR0.6%
  • Special Categories: Hotels, Restaurants, Travel Agencies, Tour Operators , Package Tour Operators, Airlines & International Spends
  • 1 reward point= 0.25 INR (can be taken as cash credit as well)

Milestone Rewards

4,00,000 INR10,000 Points2,500 INR0.64%
8,00,000 INR30,000 Points7,500 INR0.94%

So on 8L spend, you get ~1.2% reward rate on regular spends, which is poor these days as even the lifetime free credit cards are giving >1.5% return easily.

Airport Lounge Access

InternationalPriority PassNil

It’s a free card, so obviously no priority pass benefit.

Hands on Experience

Kotak Royale Credit Card
Kotak Royale Signature Credit Card with leather texture

Applied for Royale Signature credit card via Kotak bank website despite my city being shown unserviceable for it. Flow of Card processing is as below,

  • 10.07.2019- Applied for the card and CIBIL enquiry done by the bank same day
  • 11.07.2019- Received SMS confirming my application
  • 15.07.2019- Bank executive visited my house for address verification
  • 17.07.2019- Bank executive called to ask for company landline no. for verification
  • 23.0.2019- Received email that card has been approved
  • 24.07.2019- Card details shown under Kotak 811 app
  • 25.07.2019- Card delivered

Also heard from some of my friends that they are good at providing Credit Limit Enhancement every 6 months in general to the tune of 30-35%.

Card looks really Premium having Leather type texture, as you can see above.


  • Cardexpert Rating: 2.5/5

As can be seen, this credit card from Kotak bank returns a paltry 1-1.5% even if milestone spends are completed. Also non-availability of Priority Pass is surprising considering its eligibility criteria.

Ideally I would never suggest to take this card going forward, rather, you may take the Kotak League Platinum Credit Card.

Have you got Kotak Royale Signature credit card either by Upgrade or on first try? Feel free to share your experiences in comments below.

118 thoughts on “Kotak Royale Signature Credit Card Review

  1. SS

    I have this card. It’s really a good looking and texture is very nice. Kotak always upgrade cards in 6 months, and I I started with urbane and got Royale in 2 years. Another feature is for this card , it’s comes with Visa signature and default domestic lounge access with it. Kotak app have a feature called credit card on/off. You can off the credit card, it is a dead card. So secure.

    1. Satish Kumar Agarwal Post author

      Got Royale directly as 1st card. I have seen the On/Off feature in Kotak 811 app. Its nice. Some other banks have also started providing this feature now.

      1. Mayuresh Gaikwad

        Don’t use Kotak at all

        I have this CC and my 1st month transaction has been1.5Lacs. However they have duped into additional unwanted credit card twice or thrice even after rejection it and on top of it for charged with additional charges on this additional CC even though I had never used the this additional new card ever nor purchased anywhere.

        Earlier I had Royale Card for which they upgraded me to this new card as per my approval. My repayments has been outstanding with them even for old n new cards. I do use 2 other ICICI Credit Cards and its perfectly being paid ontime.

        They charged me with 3K for non usage of CC. Paying 3K isn’t problem at all. Had I been using their service or have made purchases then its my duty to payback, however they have been forcing and blackmailing me instead.

        Have been complaining to their customer care centre since 1yr and they have been providing all nonsense reasons. So I have stopped using their service now. This is 3rd time I have seen their such arrogance and con-acts since last 3 years.

        Never mind, do not fall pray to this promotional content marketing strategy and stop using Kotak is the best solution.

        1. Firose

          “They charged me with 3K for non usage of CC”

          Seriously? What nonsense :O

        2. Praveen Katiyar

          Escalate the complaint level, go to ombudsman of bank or complaint to RBI.
          Fight for ur hard earned money. Give them a strong fight, start writing emails to these authorities with CC to Kotak.
          Don’t let them go away like this..

        3. Nishant

          I have been using Kotak Royale since 3 years and now I am limiting it’s usage as I’ve got Amex MRCC. Services of Kotak, however, have been excellent. I wish their cards had more to offer.

      1. Satish Kumar Agarwal Post author

        Limit will be decided by the bank. I got initial limit of 1L.

      2. Nishant

        In my case it’s 120,000. Previously it was 70,000. Compare it to the Amex which instantly gave me a card with 200,000 limit. I guess limits vary a lot for each person.

      3. Srinjoy

        I got around 6-7 lacs to begin with I think and now they are upgrading it to 9.73 lacs from the previous 8.13 L

  2. Abhi

    Compared to Regalia – Default reward rate 1.3% against 0.3%, Milestone reward @ 8L 2.2% against 1.2%, eligibility 12L against 24L. Lounge 12 & 6 against none. Good 5/10x offers.
    So only thing better is looks of card and ability to get cash credit against RP. So I don’t see a reason to go for this and not Regalia when HDFC is so easily giving Regalia to every other person.

    1. Satish Kumar Agarwal Post author

      You are right. I have Regalia already. This one can be used for wallet loading, IRCTC and merchant offers if any.
      Also Regalia domestic lounges have only 5-6 metro airports, whereas this card covers even other airports like Dehradun, Pune, Chandigarh, Nagpur, Cochin, Coimbatore, Guwahati, Vadodara, Cochin and Vijaywada

      1. Nipun


        I have this card too, but Longue in tier 2 cities are not covered I guess, Please re-check


        1. Satish Kumar Agarwal Post author

          Checked and downloaded the list today itself. List is quite big and I have mentioned almost all airports in above comment. Metros are covered anyways so I haven’t mentioned them.

      2. AshishR

        as long i know, this info is wrong
        i’m kotak royale holder since 2016
        kotak visa signature card will be only allowed in visa supported lounges, get latest visa lounge list from visa.co.in
        the list you downloaded from kotak website might be outdated, have u tried entering lounges in below cities by urself?

        “whereas this card covers even other airports like Dehradun, Pune, Chandigarh, Nagpur, Cochin, Coimbatore, Guwahati, Vadodara, Cochin and Vijaywada”

        1. Satish Kumar Agarwal Post author

          I have relied upon downloaded list from Kotak website. If not correct than this is grossly unexpected from bank. As I have received the card just 3 days back, yet to check its accuracy.
          Though I feel now, what you have said might just be correct and Kotak list may be outdated, still they mention it to be valid till 30th September 2019.

        2. Abhisek Parija

          Answering to your question here :

          It is possible Kotak, rather any bank for that matter to provide or include lounges apart from the ones listed byt Visa/MasterCard. In such arrangements banks reimburse the lounge directly for accepting the card and allowing access to customers. There are infinite possibilities of lounge tie-ups and not just restricted to Visa/MasterCard list.

          In this case the user will by default get access to Visa/MasterCard listed lounges along with the additional lounges.

          1. Satish Kumar Agarwal Post author

            I believe you may be right as some other bank Visa card also has huge list of airport lounges not covered by Visa.

          2. Abhisek Parija

            Please believe me 🙂

            I work in this industry 🙂

            True to your revert, many banks have exhaustive list of lounges which is not flashed in Visa/MasterCard websites. And the above mentioned arrangement is followed.

            Where as for lounges listed in Visa/Mastercard websites, when one accesses those, till the free limit of visits offered on the card, lounges are reimbursed by Visa, which again completely depends upon the arrangement of card issuing bank/company & the network providers

          3. Satish Kumar Agarwal Post author

            Thanks for this invaluable input. It was indeed helpful.

          4. Mickey

            Abhishek – since you work in this industry, can you share what is the criteria for Bank’s to reject perfectly good applications for credit cards?

            If you have any idea..

      3. SS

        Another thing… If you are booking train tickets from railway booking counter with this card, convince free will be reverse in a way that ticket Price will be less than IRCTC website.

  3. Jigar

    This card has benefits of 1+1 free for PVR movie every saturday once or twice a month.

    Booking to be direct on PVR App or Website.

    Rewards and offers are not worth considering I hold Regalia & Other cards which offer much worth.

    Only benefit for holding is low usage for fee waiver and PVR Movie Tickets I get.

    1. Satish Kumar Agarwal Post author

      Thanks for the info. PVR benefit is not mentioned in website as well as booklet received.

    2. SS

      Only discount in 1+1 pvr tickets is the ticket price, but the convince free and tax you have to pay.

  4. Savio

    I started off with kotak essentia when I applied for a car loan, they upgraded in 2017 to visa signature and since then increase limit every 6 months approx….which never happens with any of my other cards. I haven’t really used the card much over the last 4 years as I don’t find the card rewarding. I prefer the use Regalia or After that yes exclusive…though now I’ve gone back to using only regalia

  5. Maj Shetty

    I don’t know Siddharth why do u hold this card when u have so many other previous cards… Not even worth a blog.

    1. Satish Kumar Agarwal Post author

      Dear Maj Shetty
      Actually I hold this card and reviewed it. Liked some features and applied for a try. Fee waiver I can easily do. And smaller airport lounge access is what I will be benefitting from.

      The whole idea of reviewing a card is to give a fair idea to prospective card seekers. Whether they see value for them in card and apply or give it a miss.

  6. Ajinkya

    Siddharth, the reward ratio is not 1 Reward Points = INR 0.25. It is even lesser. 400 Reward Points = Rs 75/- which comes out to be INR 0.1875 or 0.25% per INR 1 spent ( 2/150 * 75/400).

    I am holding this card for last few years now and have the LTF variant. I don’t use it unless for the PVR offer (which is also very restrictive). Also, somehow Kotak seems to offer cards to its savings bank account holders WITHOUT documentation (may be not to all). I clicked apply from netbanking and the card was delivered to me directly. No phone calls, address verification etc.

    1. MT

      They see your account activity for card approval , KYC is already done with savings account

      1. Nishant

        They look at lots of other factors. For full 10 years no private bank and SBI was ready to give me a CC as I was working in a central government police department. I got a CC only when I changed the department. They don’t tell the reason and keep on rejecting the application.

    2. Satish Kumar Agarwal Post author

      You are right. But that ratio is only for cash credit. I just checked it. For other rewards its mostly as mentioned.

    3. Shashank

      The reward ratio is 1 reward point = INR 0.25 if you redeem the points for BookMyShow vouchers. After hitting the milestone last year, I have never paid for a movie till now. Whenever I need to book, I have redeemed the points for BookMyShow vouchers and the vouchers are provided instantly. I guess this is the best value for the reward points.

      Though I agree the reward structure is nothing compared to regalia and hence, I have shifted my spends to regalia.

    4. Jay D

      Hi Ajinkya,
      Agreed,cash credit is not here but 4K RP – 1000 Amaon voucher is good as compared to others.

  7. Gaurav G

    All the cons are not mentioned correctly.
    I have this card as free variant and it got recently renewed for another year. They charge you the annual fees plus gst and then reverse back the annual fee, so you end up paying gst of 180 rs even when you are holding the free variant.
    Plus, I applied for a limit enhancement in the 12th month. I was told no cibil query will be sent. But still a query was sent to my cibil.
    And they still didn’t enhance the limit from 2lakhs. I have a regalia card with 4.68L limit still they didn’t enhance my limit. So now I am just waiting for them to credit my milestone points in August and I will redeem them and cancel this card for good. Already applied for yes preferred ltf and scb ultimate.

    1. Satish Kumar Agarwal Post author

      If they are doing like this, it’s really sad. That’s why they are lagging in credit cards.

    2. Azeem Shaikh

      I had the same issue about the GST not being reversed. However, on raising a complaint, the GST was promptly reversed on the card. So would suggest to raise a complaint.
      But still, the fact that they are making such a basic mistake and relying on the fact that most people wouldn’t complain is horrendous.

      1. sanjeev

        I don’t know how their system works. I called their CC to get the annual fees reversal. They straight away denied it. Even threatened to cancel the card but no avail. So, at last used my rewards against the fees. They said, you still need to make the payment as redemption will take sometime to credit. So, I paid for the annual fees. Today, while browsing the Kotak app, I was surprised to see that they’ve reversed the fees+ GST. In short, their service is quite unpredictable. I’ve a question for those who hold LTF version of this card. How you guys managed to get this for LTF? Honestly, looking at the benefits you’ll be reaping with this card, it’s better to hold as LTF than a paid version.

        1. Varun

          I applied through bank bazaar which gave me LTF with limit of 2.5 lac

      2. Nishant

        They didn’t reverse the GST in my case also. Where did you lodge the complaint?

  8. Kapil Shah

    Is the 4x for travel spends valid on any travel/airline website or a particular website like 10x in case of hdfc smartbuy??

  9. Satish Kumar Agarwal Post author

    @Kapil Shah
    I suppose its valid on any booking platform as they have not mentioned anything. Still if you are booking high value transaction, I would advise to contact customer care.

  10. MT

    Privy league signature card and royale signature card have same features except 1 where in privy league you can choose which categories you want accelerated points (travelling or shopping )

    For the last 1 year , they have been rapidly distributing royale signature cards to all privy league holders and only if you insist , they will move you to privy league signature card

    Kotak wealth management card has golf benefits and visa infinite benefits over and above privy league signature and the PVR tickets … i dont know of anyone holding this card as you have to be associated with their wealth division and NRV > 2cr with kotak bank ( as per my RM)

    1. Vinod Kannan

      @MT, @Satish kumar Agarwal What is the Reward rate for Kotak Wealth Management Card? I have loans >3Cr with Kotak. Will i be eligible for that card?

      1. MT

        1. You need to be in the wealth management division to be invited for the card
        2. Rewards rate is not defined clearly , they have just defined 1 point = 2 Airmiles , how much for 1 point is not defined


          I have a 811 zero balance account and i still hold this card with a 2lac limit 🙂

          One fine morning got a call from the bank who said there was a pre-approved offer with2lac limit. I just had to reply with YES from my official id. No KYC or income docs given. Balance i maintain in my kotak account is ZERO

          1. Satish Kumar Agarwal Post author

            No income documents taken from me too. Looks like this is their credit card model. They issue mostly based on savings ac and CIBIL records.

          2. Gaurav G

            Same here but this card is waste. Not much reward return rate. Better go for yes first cards even if proofs are required. Cancelling my Royale card this August after the milestone points are credited and redeemed.
            BTW they will charge you gst rs 180 on renewal fee even if you have ltf.

      2. Satish Kumar Agarwal Post author

        Dear Vinod
        Please enquire Kotak customer care for your eligibility of Kotak Wealth Management. Though I doubt they will consider loan as NRV, but no harm in trying.
        Reward point is not clearly mentioned but 24 PVR movie vouchers per year without any condition is mentioned and minimum limit 10 lacs.
        Worth a try!

    2. Shree Vardhan Mundhra

      My mother has the kotak wealth management visa infinite but I can’t for the life of me figure out what the benefits are. It says 1 reward point for 125 rupees spent. Don’t know how that converts into a %. The 1 reward point can be converted to 1 easy point for travel redemption.

      I just prefer to use the SCB Ultimate Card. Recently got Yes First Exclusive but I don’t think it’s as rewarding as SCB Ultimate. Will use it mainly for unlimited PP lounge access.

  11. Rohit

    If you needed movie tickets, pvr platinum is probably the best – 10k spending a month gives you 2 pvr vouchers worth 400 each.

    This card is rubbish. If my itr was 24+ lakhs, i would go for citi prestige which would give unlimited lounge access + amazing reward rate.

    1. Satish Kumar Agarwal Post author

      They offered me PVR Platinum card 2 years back and I declined, bcoz I use BookMyShow 1+1, Yes bank 25% offers. So I found little value in PVR card as PVR is at quite distance from my house.
      But yes if you are regular PVR goer it’s indeed a good card.

    2. Nikhil

      For PVR tickets, privy league signature card is best, you just need to spend 1000 each month and you will get 4 pvr tickets worth 400 each free each quarter. So yearly I get 6400 worth tickets free with no limitations (Any show any day no quota). I also get PP with 4 free access & domestic lounge access (3 per quarter). All this from a free credit card, what else can one expect. There is also bonus 7000 reward points on 3 lakh spends.

      1. Utkarsh

        Nikhil, which varient of Privy league membership do you have with them?

        1. Nikhil

          I had privy league insignia relationship in past, but they don’t degrade you if you don’t maintain required relationship value. Please note that in current scenario they are offering direct cashback 1600 per quarter to card in lieu of PVR tickets. Hence you get 6400 annually plus priority pass benefits from LTF card

          1. Manjunath U

            Well priority pass lounge facilities are applicable complimentary first year for free card variant & for paid as long as annual charges are paid. Another advantage is bonus reward point applicable only for paid versions a value for money offer for spending Rs 1000 every month & get Rs 1600 credited to account every quarter (6400 RP). Accelerated reward points for shoppers/traveler plan (5x & 2x). Card fees can easily be recovered by this quarterly rewards program. Apart from that PP can be taken for additional family member at discounted price, along with no of lounge visits, quite an interesting proposal. 1000 RP can be converted to Easy reward & be used for travel voucher. As mentioned by Kunal, Kay Mall can be used for flight booking to get convenience fee waived which is bigger advantage along with railway tickets surcharge waived.

  12. Shanky

    Is there an article that details the various ways to make the most reward points using credit cards or can we start sharing the best practices in here?

  13. Ravi

    VIsa india has only 5 lounges. Delhi, Mumbai, Chennai, Hyderabad and Bangalore

    As far as Airport lounge is concerned, Diners is the best followed by MC and then Visa

    1. Captain Bishuddha Bharatiya

      Visa has also added Kolkata.

      1. ravi

        AS per the Visa india website only 5 lounges

      2. SS

        Earlier it was not there. Where did you get this information?

  14. Raghav

    I am holding this card for the last 2 years and I have been thouroughly disappointed with it. There are hardly any benefits. Spend 30k to get Rs 75 cash back – ridiculous. Kotak in general is unable to match the benefits that HDFC, Citi and Yes are offering. Very poor Amazon/Flipkart/TataCliq discounts on sale days too.

  15. wah

    Hello everyone,
    I’m using league platinum from 2 year’s,
    first it starts with 30k after 6 months they enhancement to 57k after that I look a loan on card for 12 months,1 year completed loan got closed,till now 6 months over but they didn’t enhancement my limit or upgrade.
    How can i get upgrade to this card.

  16. Bhavin Gandhi

    hey, can u tell me which cards offer international lounge access to both primary and add on members?

    1. Abhinav

      Unlimited access – Yes first exclusive.. HDFC infinia
      Limited access – standard chartered ultimate , HDFC regalia and regalia first..

  17. AJ

    I have been using the card from june 2017 starting 1.83 Lac limit every six months they increased the limit automatically now the present limit is 5.73 lacs. Mine is an LTF variant. I find this card helpful in case of emergency as i had an issue when abroad called the customer care and requested to take a charge for my card over the limit of approx. 3 lac and foreign currency conversion charges they hold me the line for 30 mins and a service manager spoke to me and said i need to clear all my outstanding above the credit limit before statement date i.e 15th of every month and agreed to it within 10 mins my limit was raised to 10 lacs. I have requested on 26th may as it was my bday and i have been informed to clear the over limit charge before 15 june or else i would be charged an interest and overlimit fees. I have cleared the complete outstanding on 13 june when my statement got generated my limit was back to normal i.e. 5.73 lac and no charges have been leived.

  18. Kunal Chakravertti

    The biggest advantage of Kotak and SBI cards is their tie-up with goibibo, where you don;t have to pay any convenience fess while booking flights (have to book via kaymall for kotak available in both app / web & estore in SBI available in app only!) -for domestic flights it’s 250-300 per passenger per ticket, for international flights 500-800 per passenger per ticket savings (no promo codes allowed)- Differenet perspective!!!

      1. Kunal Chakravertti

        Thanks for all your reviews and tips Sid. Cheers!!

      2. SS

        If you open same flight on same day via kaymall and goibibo app, kaymall price is more than goibibo app. But with over all (after including convince free in app) kaymall is marginal cheaper than goibibo app. And you not able use any offer code in kaymall. So if you do not have any options or offer for instant/post poopcash back for flight ticket bookings … You can opt for kaymall.

    1. SS

      Tickets price is 100 , 200 extra in kaymall’s goibibo than goibibo app for domestic travel. So you you hardly saves 100 rs per flight ticket.
      There are other app who don’t charge conviniance free time to time.

  19. Kunal Chakravertti

    I recently got this card, rather yesterday… Already use a Solaris .(They are allowing 2 cards with a single limit). On the website you have the “APPLY NOW” button but if you call up the helpline, they shall tell you that it’s an “invite only” card. I didn’t know that part so I just went by the”APPLY NOW” button on the Royale Signature Card.. Asked for CRN and stuff and was finally approved in 2 days but the PVR Platinum.. Shot a mail from net-banking menu (attached a screenshot of the Royale Card with “APPLY NOW” button) and asked them the reason for the confusion. Got a call after 1 day, they upgraded the PVR to Royale Signature.. Now I have 2 cards Solaris & this one…Got to close one of them!!!

    1. venkata

      Where to get 2nd card option, I always got the upgrade option. Do I need to approach the bank?

      1. Kunal Chakravertti

        Just apply online from the webiste.. Give your CRN number and stuff

  20. Tarun Ahuja

    Kotak mahindra credit card is worst in their working structure. Never share statement to the clients mail. I if someone fails to pay even a single time before due date is & made the penalty for charges on time then also bank account charges huge penalty for charges on the amount which has a grace period of time more than anything 25 days. This is the way of cheating that what Kotak credit card is doing with their customer. They don’t even bother about losing prestigious customer. I’d relationship with you Kotak more than 10 years but the regular course of cheating is unethical & unappreciable.
    I’m going to withdraw all the my banking relationship with Kotak & want to caution to my lovely friends who r in relation with Kotak as customer… Just think for a minute to do banking transaction with Kotak because everyone has hard earned money. I so please don’t waste with kotak bank. I regards Tarun Ahuja (m) 7065596131

  21. Nipun

    Pathetic Bank and service, Your renewal fee is waived off if you spend 1.00 Lakhs in a year, They charge you renewal fees + GST and refund the Renewal fee, When you speak they say as per the GST act gst cannot be reversed what a fools bank is it?
    Why did u charge me when I am eligible for a waiver?
    No Answers………
    Realy Really worst……

    1. Nishant

      Happened with me twice. They don’t give any satisfactory reply. Why charge fee + GST if you are going to reverse the charge instantly!?

  22. SS

    Another interesting facts I noticed. Train ticket price is cheaper if you book reserve ticket in counter and paid via this card. I paid RS 6050 in counter via this card, and in statement it was RS 6157 and a surcharge wave off rs 151. So I got train ticket at RS 6006 where printed price in counter ticket is RS 6050.

  23. Subrata Mukhopadhyay

    This is a bad Card from a bank not known for great credit card. They have no idea about the credit card market. I have this card LTF, but they have now billed me renewal fee, which i have now contested. My usage was not even Rs 10000 in a year, as i prefer my Diners Black card.
    Such a leading bank even not keeping their commitment. Bit sad.

    1. SS

      All kotak card are first year free then it’s chargeable base on your usage.

  24. the_seeker

    Did you get auto LE after the first 6 months, if yes how much as the increase from the 1lak limit?

  25. Vikas

    I was interested to make complete payment of the outstanding of the credit card (Kotak Royale Signature). On 14th January 2020 i had talk with customer care to make my final billing and wave of the financial charges. They had share me one complain number and ask me to hold for one week. Today i had receive the call from their recovery agent (8368478113, 9625791525 and 9540931747. They are not ready to listen about my complain and bank discussion. They start their abuse by the lower and lower abuse. The lady is called and use the word is never be a part of customer services and healthy society. I had try to customer service and ask him to share me detail of this agent but they are not ready for it. even they are not try to make con call or call him on their own office. they had not give their own office address. It is not a company or bank. It is shelter for criminal and harming the society. They are sharing our contact detail as a free gift to abuse the person and they are not ready t support their own customer to come out.

  26. Anoop E S

    I applied for this card on Nov 10, 2019. Didn’t get any call back from them till now. No idea about document collection also. Their website still says the application is under process…

  27. Satish Kumar Agarwal Post author

    They have blocked my card on 15.04.20 as per an sms received by me. Let’s see if other banks also follow this practice.

    1. Satish Kumar Agarwal Post author

      Probably due to high risk seen by bank, as many will suffer job loss and income loss. Other card issuers may also follow.

      1. Shivi

        That’s strange & unheard of! Did you, by any chance, use it to buy bitcoin or any alternative currency or trade in foreign market?

        Can you share the contents of the SMS, please?

        1. Satish Kumar Agarwal Post author

          No such transactions. Infact hardly used even 5 percent of limit every month. So risk to bank was also less. I hope low relationship Kotak card holders might also have received this type of communication. High relationship value holders may have been skipped.

          This is the sms–
          Your Kotak Credit Card xxxxxxxx has been blocked as per internal risk guidelines of the bank. Total outstanding amount payable is Rs -zz.

      2. Arnab Chaudhuri

        Did you opt for moratorium? If you did, was your previous month’s outstanding cleared? Also did you make the minimum payment of 5% while opting for moratorium if availed?

        1. Satish Kumar Agarwal Post author

          No to all. Always pay total outstanding that is hardly 2-5 percent of limit.

  28. Dr.Hardik Patel

    Its blocked temporarily or permanently cancelled?

    1. Satish Kumar Agarwal Post author

      Looks like it’s temporarily blocked. Might ask for cancellation as I have been unable to use this card for any meaningful benefit and renewal fee of 999/- plus GST will be due in June.

      1. Shivi

        If it’s permanently cancelled then it would make Kotak the first bank to cancel a credit card for non usage from its own end. In your case maybe the low usage vis-a-vis card fees rang an alarm bell in Kotak card evaluation center. After all, we ALL are sitting paranoid everywhere due to CoVid and its potential fallout.

        Other banks usually decrease the credit limit to 10 K (ICICI, SBI) and then temporarily block the card for NO-usage till you call up the call center and give them green signal.

        1. Murali

          Everybank is trying different ways to derisk themselves. I got below message from ICICI Bank “Hope this e-mail finds you and your family safe. Due to prevalent conditions, as a preventive measure, we are temporarily limiting cash withdrawals up to a maximum of 10,000 on your ICICI Bank Credit Card.”

      2. Jasond

        What about new application processing? Applied on March 15 through branch channel, application still showing under process.

  29. Nikhil

    New update on Privy league signature card- In lieu of PVR tickets, we will credit reward points equivalent to the value of PVR tickets to your Credit Card account until further notice. So now instead of 16 pvr tickets annually, We can get statement credit of 6400 annually. This makes it one of best card now atleast till pvr opens again.

    1. Utkarsh

      @Nikhil How did you received this confirmation through mail or sms. I’m holding PVR platinum card and I was wandering does the same is being offered on it?

      1. Nikhil

        I received this confirmation on mail. I think statement credit is only applicable on this card. PVR cardholders already got separate communication via mail.

        1. Utkarsh

          Do you hold PVR card as well? If so, what communication did you receive as I didn’t receive anything yet from them ?

    2. Nikhil

      This offer is still valid, They have given statement credit worth 8000 till now in last 1 year in lieu of PVR tickets. Not bad just for swiping card for just 1000 per month.

  30. Kiran

    They have blocked balance transfer and cash withdrawal, but card is active for my usage.


  31. Anant

    Kotak credit card can now be stored and used via Google Pay.


      Yes its a good move by Kotak to add both credit/debit card. Other banks supported are Axis (credit/debit) & SBI (credit) card. The main drawback of this payment feature is supported only for businesses displayed on google pay, not P2P. Scanning any other UPI such as Paytm, Phonepe the transaction will not happen through Kotak card, will display message unsupported, but transaction moves forward with the linked bank A/c.

  32. Pramtesh

    I have Urbane Gold card with annual fees if rs199 and 15k spending for the waiver. CL 260K
    I also have multiple Banks card. DCB YFE etc. Since I didn’t use much this year so I was charged for Annual fees. I spoke to Customer care for the waiver bit they didn’t reversed. So I had sent email to higher authorities for cancellation of my card. I received the call from the bank and they reversed the charge.
    So I asked them to upgrade to Royale LTF. of PVR lTF.
    They placed a request for approval.
    Yesterday I received call ,they have received approval for Upgradtion to ROYALE LTF.

    1. Tousif

      What is the email id of the higher authorities which you emailed at ? I need to convert my royale card to ltf as well. Please let know !

      1. PRAMTESH

        Depends on the state from you are.
        You will find it on banks website according to your state.

        But I am not sure if they would convert your existing Royale card.
        I tried for my friend. Who was also having Royale. But the bank didn’t convert in to LTF.

        I was eligible for and upgrade. So considering that too. I got it converted to LTF

  33. Keerthivasan

    Kotak upgraded my royal signature card to zen signature credit Card. I just called them for something and ended in knowing the upgrade offer. Zen card is cool and I hope all signature card holders are eligible.

    1. Siddharth

      The looks are definitely good. But the rewards?

      1. Sandesh

        Isn’t zen better than royal signature?

        3.7% accelerated reward rate, and 0.83% default

  34. Pramtesh

    I got secondary card as Zen. FYF
    My Royale Signature is already LTF.
    What is the feature of IRCTC charge in Kotak cards.
    Once i tried booking still the additional charges were applied

  35. AshishR

    congratulations pramtesh, could you pls explain how did u get 2nd card from kotak? like what procedure did u follow?

    1. Pramtesh

      Thank you AshishR,

      As I already mentioned that I have Royale Signature LTF. So i was getting calls from the bank for MOJO Platinum as secondary card. But i was not interested.
      But later again i got call stating the MOJO card would be also LTF.
      So i agreed. When i submitted the application. I was told the higher version of card i.e. Zen card is eligible.

      It was chargeable. But they promised to make it LTF.

      After receiving the card i noticed it is chargeable with joining fees.
      So i wrote to the Bank.

      Now it’s FYF.

      In future Bank would reverse the charges from next year.

      If you are willing to apply, you can call customer care. But make sure you record the calls

      1. AshishR

        I tried calling before, they said only one card they issue to each customer.

        I also received FYF upgrade on my royale card to zen and white

        1. Sandesh

          I was told by the customer support that for the last 3 weeks, they have stopped taking upgrade requests to the Zen & Mojo variant.

        2. Pramtesh

          Check again. Different answers from different customer care executives.

          I am having both cards active. Limit is combined

          1. Sandesh

            When did you get the card issued, Prathamesh?

            For 2 months now, they’ve stopped taking upgrade requests for Zen Signature – already spoke with multiple executives, but same answer each time

Comments are closed.