Royale Signature Credit Card
- Get up to 30,000 bonus reward points on annual retail spends of Rs. 8 Lakhs.
|Fee & other Parameters||Royale (No Joining Fee)||Royale (With Joining Fee)^||Royale (Free Variant - Exclusively for Kotak Privy League Optima and Insignia Customers)|
|Joining Fees||Nil||Rs. 1499||Nil|
|Annual Fees||Rs. 999||Rs. 999||Nil|
|Condition for waiver of Annual Fees - First Year||Annual retail Spends of Rs 1lac||Annual retail Spends of Rs 1lac||NA|
|Condition for waiver of Annual Fees - Second Year||Annual retail Spends of Rs 1lac||Annual retail Spends of Rs 1lac||NA|
|Addon card Fees||Nil||Nil||Nil|
|Interest Charges on outstanding Balances||3.5% (Annualized 42%)||3.5% (Annualized 42%)||3.5% (Annualized 42%)|
|Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)||MAD can be 5% or 10% of TAD as decided by the Bank||MAD can be 5% or 10% of TAD as decided by the Bank||MAD can be 5% or 10% of TAD as decided by the Bank|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300||Rs. 300||Rs. 300|
|Late Payment Charges ("LPC")||Rs. 100 for statement o/s less than or equal to Rs. 500.||Rs. 100 for statement o/s less than or equal to Rs. 500.||Rs. 100 for statement o/s less than or equal to Rs. 500.|
|Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000||Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000||Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000|
|Rs. 700 for statement o/s greater than Rs. 10,000||Rs. 700 for statement o/s greater than Rs. 10,000||Rs. 700 for statement o/s greater than Rs. 10,000|
|Over Limit Charge||Rs. 500||Rs. 500||Rs. 500|
|Cheque Bounce Charges||Rs. 500||Rs. 500||Rs. 500|
|Foreign Currency Mark Up||0.035||0.035||0.035|
|Railway Booking Surcharge (1.8%/2.5% on transaction amount)*||Waived||Waived||Waived|
|Fuel Surcharge (1% on transaction)**||Waived||Waived||Waived|
|Fee for Cash payment at Bank||Rs. 100||Rs. 100||Rs. 100|
|Outstation Cheque Processing Fee||Waived||Waived||Waived|
|Reissue/ Replacement Card (per issunace)||100.0||100.0||100.0|
|Charge Slip Request||Waived||Waived||Waived|
|Machine Surcharge at ATMs||Waived||Waived||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived||Waived||Waived|
|Duplicate Statement Request||Waived||Waived||Waived|
|Web Pay Service Fee||Waived||Waived||Waived|
|GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card|
|*Maximum Railway surcharge waiver of Rs. 500 in a calendar year|
|** Fuel surcharge to be waived only for transactions between values of Rs. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 3500 in a calendar year|
|^Joining fee variant of Royale Signature Credit Card has been discontinued effective 30th May 2019|
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The coverage under CPP credit card protection membership in India is generally limited to the protection against loss, theft or misuse of the member's credit cards, debit cards, and other cards. CCP credit card protection also protects unauthorized transactions and emergency card replacement services.
Joining Fee: INR 1,499|Annual Fee: INR 749
Joining Fee: INR 0|Annual Fee: INR 0
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