Kotak Mahindra Bank Royale

Kotak Mahindra Bank

Kotak Mahindra Royale is Kotak Bank's premium lifestyle credit card, offering a balanced mix of accelerated rewards on dining and travel, airport lounge access, and everyday savings through fuel surcharge waivers. At an annual fee of ₹2,500 — reversed on spending ₹3 lakhs per year — the card provides strong value for urban professionals who dine out frequently and travel domestically several times per year. The card's 2X Reward Points on dining and food delivery (Swiggy, Zomato, restaurant spends) is its primary attraction, delivering effectively 2% value back on food-related expenses. For urban professionals who spend ₹8,000-₹12,000 per month on dining and food delivery, this translates to ₹160-₹240 per month in reward points — ₹1,920-₹2,880 per year in dining rewards alone. Eight complimentary domestic airport lounge visits per year (through the Visa Lounge Access program) provide substantial value for frequent domestic travellers. Each lounge visit at Indian airports typically costs ₹2,000-₹3,000, making 8 visits worth ₹16,000-₹24,000 per year — far exceeding the ₹2,500 annual fee. The 2 complimentary international lounge visits add further travel value for occasional overseas trips. The 1% fuel surcharge waiver at HPCL, BPCL, and IOCL fuel stations provides consistent savings for commuters, while the Buy 1 Get 1 movie ticket offer on BookMyShow (once per month, up to ₹200 off per ticket) adds entertainment value throughout the year. The ₹3 lakhs annual spending threshold for annual fee reversal is approximately ₹25,000 per month — achievable for professionals with moderate to high monthly expenses. Source: Kotak Mahindra Bank official website, updated May 2026.