NRI Royale Signature Card FAQs

NRI Royale Signature Card FAQs

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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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Is the waiver applicable on the delivery charge?

No. There is no waiver applicable on the delivery charge.

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What is the maximum surcharge waiver that I can get?

You can earn up to Rs. 500 annually as Railway Surcharge waiver.

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Is there a special service offered while canceling the tickets?

No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.

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Where is the waiver valid?

Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but 811 #DreamDifferent Credit Card will offer the customer fuel surcharge waiver across all domestic petrol pumps.

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What is the minimum/ maximum transaction amount for a single swipe?

The minimum is Rs. 400 and the maximum is Rs. 4000.

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What is the maximum fuel surcharge waiver that I can get on a single transaction?

The maximum transaction amount for a single swipe is Rs. 4500. Hence the maximum surcharge waiver can be Rs. 40 (1% of Rs. 4000).

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Is there any monthly or annual cap on how much surcharge can I earn?

Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 4500

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Whom has the NRI Royale card been designed for?

The Kotak NRI Royale card has been specifically designed for the High Income or High Net worth NRI individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.

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What type of card is Royale?

The Kotak NRI Royale Card is a VISA Signature card.

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Why should I choose an NRI Card? Are there any specific benefits that I get?

Please refer the below information:

The Kotak NRI Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do.
Cardholders can redeem their reward points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash and more .
While traveling to India, save the mark up fee charged on your credit card issued outside India or the hassles of currency exchange.
Enjoy the benefit of paying for your purchases, travel and dining in Indian Rupees.

Besides this, enjoy a complete hassle free process on the reward points and fuel surcharge waiver at any pump, complete railway surcharge waiver & exciting EMI that no one else offers.

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What is the Annual & Joining Fee for this card?

There are no joining fees on the Kotak NRI Royale Card. The annual fees are Rs. 1000.

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Is there a rewards program on NRI Royale Card?

Yes, there are reward programs for this card. Please refer the below information:

Earn 2X rewards on international spends; i.e. earn 2 rewards points for every Rs. 200 spent
Earn 1 reward point for every Rs. 200 spent within India
1 Reward Point = Re 1/-

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What is the interest Rate that is applicable to me?

The interest applicable to you is 3.1% per month.

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What is cash limit on the Credit Card?

Cash limit on the credit card refers to the percentage of your credit limit which you can take as a cash advance. While most other credit cards offer a 40% cash limit on joining only Kotak NRI gives you a higher cash limit of 90%.

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When do you charge me an over limit charge?

If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs. 500 in each billing cycle that you are over limit.

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Am I entitled for an Add on card?

Yes, Add-on Cards are available on NRI Royale Card for a onetime fee of Rs. 599 per card.

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Are all the Royale features available on the Add on card?

Yes, all Royale features can be availed by the add on card holder.

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Whom has the NRI Royale card been designed for?

The Kotak NRI Royale card has been specifically designed for the High Income or High Net worth NRI individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.

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Am I entitled for a Cash Back on my card?

No, there is no cash back on this card.

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How is the interest calculated on cash?

Please refer the below information:

Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest)
Daily rate of interest = (Monthly interest rate) * 12/365
Daily rate of interest = (3.1%) * 12/365 = 0.1019%

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