Have you ever used the fuel and railway surcharge waivers on the Kotak Royale Signature Credit Card? Have you made good use of these waivers, or do you find them more like a bonus that doesn’t add much value?
Yes, I’ve used both the fuel and railway surcharge waivers, and honestly, they’re nice little perks, but they don’t add as much value as I’d hoped. The 1% fuel surcharge waiver is handy if you fill up often, especially because it’s capped at ₹3,500 annually. I’ve saved some money, but since you don’t earn any reward points on fuel purchases, it feels like I’m just breaking even. The railway surcharge waiver for IRCTC bookings is also a nice touch, especially if you book tickets regularly, but again, it’s capped at ₹500 a year, which doesn’t really make a huge impact.
I appreciate these waivers, but they feel more like a small bonus rather than a standout feature of the card. If I had to choose between this card and others that offer better rewards on all types of spending, I’d probably opt for the other cards unless I’m someone who frequently makes rail bookings or spends a lot on fuel. The lack of reward points on these transactions definitely makes it feel less valuable in the long run.