Kotak Mahindra Royale Visa Signature Card : Kotak : Rupee Times

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CREDIT CARD DETAIL

Kotak Mahindra Royale Visa Signature Card

Card Highlights

Card Class	Platinum/Titanium
Card Type	Super Premium
Issuer	Kotak Mahindra Bank
Offered Type	Visa
Rewards

Main Features

No interest, no fee EMIs for three months Concierge and insurance services Offers from Travel Guru Royale Access Membership to Club Privada - India's first yatch club Auto enchashment of Reward points Royale Shield Royale Priority Attend Royale Assist Exclusive dining benefits at the Taj Enjoy golf privileges world-wide Lost or stolen card fraud cover

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	3 month
Interest Rate	0% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month (Processing fee of Rs.199/- flat.}

Fees & charges

Joining Fee	By invitation only
Add On Card Fee	Free Add-on Cards
Cash Advance Transaction Fee	Flat fees - Rs. 300/- 2.5% or Rs. 250/- to Rs. 300/- whichever is higher
Penalty Interest Rate	No interest, no fee EMIs for three months 6 Months 0% interest and processing Flat Fee Rs.500
Late Payment	Flat Fees- Rs. 350/- Range Rs. 300/- to Rs. 600/- with 30% of Minimum Amount Due
Limited Lost Card Liability	Lost or Stolen Card fraudulent charges cover of Rs. 50,000/-, upto 12 hours pre-reporting
Over Limit Charges	Flat fees - Rs. 500/- 2.5% on over limit amount (subject to a minimum of Rs. 500/-)
Cheque Bounce Fee	Flat fees - Rs 300/- 2.5% of amount or Rs. 250/- whichever is lower
Dial a Draft Fee	Flat fees - Rs. 300/- 2.5% or Rs. 250/- to Rs. 300/- whichever is higher
Emergency Replacement(when overseas)	Nil
Charge Slip Request	Nil
Air/Railway Booking Comment	Railway surcharge waiver
Fuel Surcharge	2.5%
Foreign Currency Transaction Charges	3% to 3.5%
Service Tax	12.36%

Rewards & Benefits


* For every Rs. 100/- you spend, you earn 1 reward point * No need to call us - Reward points will be auto en-cashed at every 1000 points accumulated or every 3 months * Enjoy 25% bonus points from Kotak * Reward Points are en-cashed @ 1 Point = 1 Rupee

Airline

Fitness

Hotel

Services & Features

General Features:

Photo Option	No
Add On Card	Yes
Internet Web Based Access	Yes
Coverage	International
Concierge Service	Yes
Invitation to Special Events	No
Road Assistance	No
Forex & Travel Cheque Services	No
Access to 24-Hour Customer Care Centre	Yes
Personal Loan Facility	No
EMI on Call Facility	No
Dial a Draft Facility	Yes
Rewards Programme	Yes
Global Emergency Assistance Service	Yes

Insurance:

Hospitalization Benefits

Special Offers

Eligibility Criteria

Terms & Conditions

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