Kotak Bank Credit Cards
Discover Kotak Bank's premium credit card collection with lifestyle benefits, dining privileges, and travel rewards.
Kotak Infinite Credit Card
Annual Fee
₹0
APR
37.2%
Joining Fee
₹0
Cash Advance
300%
Why Choose This Card
Opt for this card if you are a Kotak Wealth Management client and enjoy luxury privileges, including exclusive golf access, movie tickets, and premium concierge services. Ideal for those seeking high-end benefits and a unique card design.
Reward Benefits
1 reward point per ₹125 spent.
800 bonus reward points (worth ₹800) credited monthly.
Points redeemable across categories like mobile recharge, shopping, travel, and more.
Pros
- No joining or annual fees.
- Golf privileges with 2 complimentary rounds monthly and ability to invite 2 friends.
- 24 free PVR movie tickets annually (2 per month).
- 4 complimentary visits per quarter to DreamFolks lounges in India.
- Premium concierge services for reservations, ticketing, event bookings, etc.
- Personalized handcrafted card design featuring the cardholder's image.
- Reward points for every ₹125 spent, with 800 bonus points credited monthly.
Cons
- Exclusive to Kotak Wealth Management clients (invite-only).
- High interest rate of 3.10% per month (37.2% annually).
- Cash advance fee of ₹300 per ₹10,000 or part thereof.
- Late payment charges may add up, especially for amounts exceeding ₹10,000.
Kotak White Credit Card
Annual Fee
₹3000
APR
0%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Choose the Kotak White Credit Card if you are a frequent traveler and enjoy access to premium travel lounges, exclusive discounts on hotel bookings, and luxury brand rewards. With significant rewards and travel benefits, it is perfect for those who value convenience and luxury.
Reward Benefits
Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
Welcome offer: Earn ₹1,500 White Pass value by spending ₹30,000 within 60 days.
Pros
- Access to 1,300+ VIP lounges in 148 countries via Priority Pass.
- 4 complimentary international lounge passes annually.
- Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
- Earn ₹1,500 White Pass value with ₹30,000 spend within 60 days.
- Discounts on hotel bookings and flight deals.
- 1% fuel surcharge savings at petrol pumps.
- Contactless payments with PayWave technology.
- Ability to convert purchases above ₹2,500 into EMI.
Cons
- High annual fee of ₹3,000 (waived with ₹5 lakh retail spend).
- Cash advance fee of ₹300 per ₹10,000.
- Eligibility requirements including high income and credit score.
- Foreign transaction fee of 3.50%.
Kotak League Platinum Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
500%
Why Choose This Card
Choose the Kotak League Platinum Credit Card if you want a rewards program with high earning potential on special categories such as airlines, travel agencies, and department stores. With significant milestone rewards and low renewal fees, this card is perfect for frequent shoppers and travelers.
Reward Benefits
8 reward points per ₹150 spent on special categories (Airlines, Travel Agencies, Electric Sales, Departmental Stores, Durable Goods).
4 reward points per ₹150 on all other spends.
8 reward points across all spends after reaching ₹2 lakh in annual spend.
Pros
- 8 reward points per ₹150 spent on special categories like Airlines, Travel Agencies, and Durable Goods.
- 4 reward points per ₹150 on all other spends.
- 8 reward points across all spends after reaching ₹2 lakh in annual spend.
- Option to redeem reward points for free PVR tickets or bonus points.
- Fuel surcharge waiver (1%) with a max waiver of ₹3,500 annually.
- Railway surcharge waiver of up to ₹500 annually.
- Fraud liability cover up to ₹1.25 lakh for 7 days pre-reporting.
Cons
- Joining fee of ₹499 (waived off on ₹50,000 annual spend).
- Interest charges of 3.50% per month (42% p.a.).
- Foreign currency markup fee of 3.5%.
- Cash advance fee of 2.5% or ₹500, whichever is higher.
- Limited reward points redemption options.
Kotak 811 Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
500%
Why Choose This Card
The Kotak 811 Credit Card is perfect for those looking for a low-fee card with a variety of rewards options. With benefits like cashback, free movie tickets, and multiple redemption choices, it's ideal for customers who want to make the most of their spending.
Reward Benefits
Rewards points on initial transactions.
Milestone benefit of ₹750 cashback or 4 free PVR tickets after spending ₹75,000 in the anniversary year.
Pros
- Low joining and annual fees (₹500 each).
- Milestone benefit options of cashback or free PVR tickets after spending ₹75,000 annually.
- Fuel surcharge waiver (1%) with a maximum waiver of ₹3,500 annually.
- Railway surcharge waiver for both IRCTC and Indian Railways bookings.
- Contactless payments with Visa payWave for up to ₹5,000 without a PIN.
- EMV chip and 6-digit PIN authentication for enhanced security.
- Multiple redemption options like mobile recharges, shopping, travel, and movies.
Cons
- Cash advance fee of ₹500 or 2.5%, whichever is higher.
- Foreign currency markup of 3.5%.
- Cash payment fee of ₹100.
- Rental payment charges of 1% (MCC 6513).
- Annual fee waived only on ₹50,000 spend in the anniversary year.
Kotak Corporate Platinum Credit Card
Annual Fee
₹0
APR
42%
Joining Fee
₹0
Cash Advance
0%
Why Choose This Card
The Kotak Corporate Platinum Credit Card is designed to simplify business expenses with benefits like fuel surcharge waivers, travel perks, and comprehensive corporate management features. It's perfect for companies looking to streamline employee spending and track expenses efficiently.
Reward Benefits
Points redemption every quarter.
Cash rebates available via demand draft.
Simplified systematic redemption process.
Pros
- Fuel surcharge waiver (1%) for transactions between ₹500–₹3,000, capped at ₹3,500 annually.
- Global acceptance at over 10 million merchants.
- Interest-free period of up to 48 days.
- Free lost card replacement and no cash advance needed.
- Dedicated support with personal service manager.
- Simplified corporate expense management with real-time alerts and consolidated payments.
Cons
- Minimum credit score required is 730.
- APR of 42%, which is relatively high.
- Late payment fees apply, even for company-covered expenses.
- No specific welcome benefit or reward points for initial use.
Annual Fee
₹1000
APR
42%
Joining Fee
₹1000
Cash Advance
300%
Why Choose This Card
Ideal for individuals who frequently shop online and seek accelerated reward points, along with travel benefits like airport lounge access.
Reward Benefits
Earn 2.5 Mojo Points per ₹100 on online spends.
Earn 1 Mojo Point per ₹100 on other spends.
Earn 5 Mojo Points per ₹100 on purchases via KayMall.
Pros
- Earn 2.5 Mojo Points per ₹100 on online spends.
- 8 complimentary domestic airport lounge visits annually (2 per quarter).
- 1% fuel surcharge waiver up to ₹3,500 annually.
- Joining fee waiver on spending ₹30,000 within the first 90 days.
- Annual fee waiver on spending ₹1,00,000 annually.
Cons
- No reward points on fuel transactions.
- Limited international travel benefits.
- Joining and annual fees applicable if spending criteria are not met.
Annual Fee
₹1500
APR
42%
Joining Fee
₹1500
Cash Advance
2.5%
Why Choose This Card
Ideal for individuals seeking substantial rewards on shopping and lifestyle purchases, along with travel benefits like complimentary lounge access.
Reward Benefits
Earn 10 Zen Points per ₹150 spent on shopping categories.
Earn 5 Zen Points per ₹150 on all other spends.
Reward points capped at 6,500 per billing cycle.
Pros
- Earn 10 Zen Points per ₹150 spent on shopping categories such as apparel, lifestyle goods, departmental stores, and jewelry.
- Earn 5 Zen Points per ₹150 on all other spends.
- 8 complimentary domestic airport lounge visits annually (2 per quarter).
- 3 complimentary international lounge accesses per calendar year.
- Milestone benefits with up to 15,000 bonus Zen Points annually.
- Annual fee waiver on spending ₹1,50,000 or more in a year.
Cons
- No reward points on fuel transactions.
- Joining and annual fees applicable if spending criteria are not met.
- Reward points capped at 6,500 per billing cycle.