NRI Royale Signature Credit Card Fees and Charges, Avail Credit Card with Amazing Offers Online

Fees & Charges

Fee & other Parameters	NRI Royale Card
Joining Fees	Nil
Annual Fees	Rs. 1000
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Addon card Fees	Rs. 599 per Add on card
Interest Charges on outstanding Balances	3.10% (Annualized 37.2%)
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
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance	2.5% on advance amount , subject to minimum of ₹500
Late Payment Charges ("LPC")	Due as per last statement (INR)	Late Payment Charges (INR)
	<₹100	0.0
	₹100 - ₹500	100.0
	₹501 - ₹5,000	500.0
	₹5,001 - ₹10,000	600.0
	₹10,001 - ₹25,000	800.0
	₹25,001 - ₹50,000	1000.0
	>₹50,000	1200.0
Over Limit Charge	Rs. 500
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived
Fuel Surcharge (1% on transaction)**	Waived
Fee for Cash payment at Bank	Rs. 100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived
Please Note:
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

Disclaimer: Verbiage for Joining Fee (if applicable) will be displayed as Annual Fee on your monthly credit card statement. Thereafter you will be levied Annual Fee (if applicable) as per the most important terms and conditions of your credit card.

Learn more the reward redemption of the NRI Royale Signature Credit Card.

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Frequently Asked Questions

What is a credit card balance transfer?

Credit card balance transfer is the process of transferring owed balance from one credit card account to another. Upon carrying out this process, the debt is owed to the new card issuer as opposed to the original card issuer.

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.

Transparency

Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.

Relevance

Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.

This promise from Kotak ensures that you only get the best from your credit card!

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On what is the waiver applicable?

On purchasing of rail tickets online at www.irctc.co.in the customer is levied a 1% surcharge and on purchasing of rail tickets from the Indian Railways Booking Counters customer is levied a 1% surcharge. The Delight Platinum Card offers you Waiver of this surcharge of 1 % that is levied.(ST Applicable)

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