Kotak Royale Signature
Mid-tier shopping/dining card with solid fee waiver economics.
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5-year value calculator
How much Kotak Royale Signature actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
2,000 reward points worth ₹500 + Pizza Hut voucher
What you get
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Kotak Royale Signature
The SaaS subscriptions where Kotak Royale Signature earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹9,180/yr.
Trello
4% rewards on productivity category — better than the 1% default.
PostHog
4% rewards on marketing category — better than the 1% default.
Notion
4% rewards on productivity category — better than the 1% default.
Monday.com
4% rewards on productivity category — better than the 1% default.
Mailchimp
4% rewards on marketing category — better than the 1% default.
Klaviyo
4% rewards on marketing category — better than the 1% default.
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