Table of Contents
Introduction
Kotak Mahindra Bank is one of the leading banks in India that offers a range of credit cards to suit different needs and preferences. Kotak Bank credit cards excite their users with excellent rewards. Now, credit card users can apply for Kotak Bank credit cards online and get instant approvals along with various benefits. You may perform protected transactions in India using Kotak credit cards without worrying about cyber security risks.
Now it’s a piece of cake to get a Kotak Bank credit card. You can easily apply for a credit card through the web portal of Kotak Bank for instant approval. All Kotak Bank credit cards are uniquely designed according to the needs of customers.
Types of Kotak Bank Credit Cards
Kotak Mahindra Bank offers a variety of credit cards to cater to the diverse needs of its customers. Currently, there are total 24 Kotak Bank Credit Cards which are uniquely equipped with various offers. Here are the different types of Kotak Mahindra credit cards:
Images | Credit Card | Joining Fee | Annual Fee | Annual Fee Waiver |
 | Kotak 811 Credit card | 500 | 500 | Yearly spent Rs. 50000 |
 | 811 #DreamDifferent Credit Card | 0 | 0 | NA |
 | Urbane Gold Credit Card | 0 | 199 | Yearly spent Rs. 15000 |
 | Veer Platinum Credit card | 0 | 299 | Yearly spent Rs. 50000 |
 | Kotak Infinite Credit Card | 0 | 0 | NA |
 | League Platinum Credit Card | 499 | 499 | Yearly spent Rs. 50000 |
 | Corporate Wealth Signature Credit Card | 0 | 0 | NA |
 | Mojo Platinum Credit Card | 1000 | 1000 | Yearly spent Rs. 1 Lakh |
 | White Credit Card | 3000 | 3000 | Yearly spent Rs. 5 Lakhs |
 | White Reserve Credit Card | 12500 | 12500 | Yearly spent Rs. 10 Lakhs |
 | Corporate Platinum Credit Card | 0 | 0 | NA |
 | Royale Signature Credit Card | 0 | 999 | Yearly spent Rs. 1 Lakh |
 | Zen Signature Credit Card | 1500 | 1500 | Yearly spent Rs. 1.50 Lakhs |
 | Veer Select Credit card | 0 | 599 | Yearly spent Rs. 1 Lakh |
 | Kotak IndiGo Ka-ching 6E Rewards XL Credit Card | 2500 | 2500 | No waiver of annual fee |
 | NRI Royale Signature Credit Card | 0 | 1000 | No waiver of annual fee |
 | PVR Kotak Platinum Credit Card | 0 | 999 | No waiver of annual fee |
 | Kotak IndiGo Ka-ching 6E Rewards Credit Card | 700 | 700 | No waiver of annual fee |
 | Best Price Credit Card | 0 | 0 | NA |
 | PVR Kotak Gold Credit Card | 0 | 499 | No waiver of annual fee |
 | Metro Kotak Credit Card | 0 | 0 | NA |
 | Biz Credit Card | 299 | 499 | No waiver of annual fee |
 | Corporate Gold Credit Card | 0 | 1000 | No waiver of annual fee |
 | Privy League Signature Credit Card | 0 | 2500 | Yearly spent Rs. 5 Lakhs |
Benefits of Kotak Mahindra Credit Cards
Kotak 811
Rewards and benefits
- Welcome offer- 500 bonus reward points on spent of Rs 5000 within first 45days
- Online Spent- 2 reward points
- Offline Spent- 1 reward points
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Milestone Benefits
On spend of Rs 75000 in a year 2 option available- 4 free PVR Tickets or cashback of Rs 750
811 #DreamDifferent
Rewards and benefits
- Welcome offer- 500 bonus reward points on spent of Rs 5000 within first 45days
- Tnterest free Cash withdrawal allowed- upto 90% of total credit limit, processing fee applicable of Rs 300/ Rs 10,000 withdrawal
- Online Spent- 2 reward points
- Offline Spent- 1 reward points
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Milestone Benefits
On spend of Rs 75000 in a year 2 option available- 4 free PVR Tickets or cashback of Rs 750
Urbane Gold
Rewards and benefits
- Online Spent- 3 reward points
- Offline Spent- 3 reward points
- Fuel surcharge waiver- Not applicable
- Railway Surcharge waiver- Not applicable
- Value of 10 reward points = Rs 1
- Minimum 1000 points required for redemption
Milestone Benefits
On spend of Rs 1,00,000 in a year 2 option available- 4 free PVR Tickets or 10,000 reward points
Veer Platinum
Rewards and benefits
- Welcome offer- 500 bonus reward points on spent of Rs 500 within first 30 days
- Spent on Dining, Movies, Departmental stores and Grocery- 6 reward points for every Rs 200 spent
- Other Spent- 2 reward points for every Rs 200 spent
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Kotak Infinite
Rewards and benefits
- Golf- 2 complementary round in a month
- Bonus Reward Point- 800 reward points worth Rs. 800 every month
- Dream folks lounge access- 4 complementary visit every quarter
- Fuel surcharge waiver- 1% (for transactions between 400 to 4000) and Max fuel surcharge waiver – Rs 4500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
League Platinum
Rewards and benefits
- Welcome offer- Rs 500 movie voucher
- Spent on Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | Electric Sales | Durable Goods | Departmental Stores- 8 reward points for every Rs 150 spent
- Other Spent upto 2 lakhs- 4 reward points for every Rs 150 spent
- Other Spent above 2 lakhs- 8 reward points for every Rs 150 spent
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Corporate Wealth Signature
Rewards and benefits
- Higher cash back on every spent
- Specially designed for corporates
- Easy redemption of reward points
- Dream folks lounge access- 2 complementary visit every quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Mojo Platinum
Rewards and benefits
- Online Spent – 2.5 Mojo points for every Rs 100 spent
- Other Spent- 1 Mojo points for every Rs 100 spent
- Validity of Mojo points- 2 years from the date of accrual
- Dream folks lounge access- 2 complementary visit every quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Milestone Benefits
Get 2500* Mojo points every quarter on spending Rs. 75,000. Valid for the first year only.
Kotak White Credit Card
Rewards and benefits
- Welcome offer- Rs 1500 white pass value on spending Rs 30,000 within first 60 days
- White Pass Value worth Rs. 27,000 every year on annual spends of Rs. 12 lacs
- Annual Priority Pass membership worth $99
- VIP access to 1300+ lounges across 148 countries, with Priority Pass
- International lounge access- 4 annually
- Domestic lounge access- 2 per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Kotak White Reserve Card
Rewards and benefits
- Club Marriott Membership
- White Pass Value worth Rs. 2.50 lacs every year
- Annual Priority Pass membership worth $99
- Unlimited lounge access around the world across 1000 airports
- Golf – 2 round every month
- Fuel surcharge waiver- 1% (for transactions between 400 to 4000) and Max fuel surcharge waiver – Rs 4500 each calender year
Corporate Platinum Card
Rewards and benefits
- Specially designed for corporate
- Easy redemption of reward points
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Royale Signature Credit Card
Rewards and benefits
- Spent on Hotels |Restaurants |Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | International Spends- 4 reward points for every Rs 150 spent
- Other Spent- 2 reward points for every Rs 150 spent
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Zen Signature Credit Card
Rewards and benefits
- Welcome Gift- 1500 Zen points
- Spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery)- 10 Zen points for every Rs 150 spent
- Other Spent- 5 Zen points for every Rs 150 spent
- Bonus Points- 15000 Zen Points on annual spends of Rs 6,00,000
- Domestic Airport lounge access- 2 Per quarter
- International Airport lounge access- 3 in a year
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Veer Select Credit card
Rewards and benefits
- Welcome Gift- IHO Membership worth Rs 8500 on spends of Rs 500 within first 30 days
- Spent on Dining, Movies, Departmental stores and Grocery- 9 reward points for every Rs 200 spent
- Other Spent- 3 reward points for every Rs 200 spent
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
IndiGo Ka-ching 6E Rewards XL
Rewards and benefits
- Welcome Gift- Ticket worth Rs. 3000
- Enjoy 6E Prime add-ons worth Rs. 899 – Get priority check-in, choice of seat, complimentary meal and quicker baggage assistance
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
NRI Royale Signature
Rewards and benefits
- On International Spends- 2 reward points for every Rs 200 spent
- Other Spent- 1 reward points for every Rs 200 spent
- 1 Reward point = Rs 1
- While traveling to India, save the mark-up fee
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
PVR Kotak Platinum Card
Rewards and benefits
- On 10,000 spends every month- 2 free PVR Movie tickets monthly
- On Food and Beverages at PVR- 15%# Cashback
- On Movie tickets at PVR Box Office- 5%# Cashback
IndiGo Ka-ching 6E Rewards
Rewards and benefits
- Welcome Gift- Ticket worth Rs. 3000
- Enjoy 6E Prime add-ons worth Rs. 899 – Get priority check-in, choice of seat, complimentary meal and quicker baggage assistance
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Best Price Credit Card
Rewards and benefits
- On each transaction – 14 days Credit Cycle
- 2 free add on cards
- Make purchases at the Best Price Modern Wholesale store
- Track Spends separately for each of your Add-on Card(s)
PVR Kotak Gold Credit Card
Rewards and benefits
- On 15,000 spends every month- 2 free PVR Movie tickets monthly
- On Food and Beverages at PVR- 15%# Cashback
- On Movie tickets at PVR Box Office- 5%# Cashback
Metro Kotak Credit Card
Rewards and benefits
- On 10,000 spends on a day within 30 days of card activation- up to Rs 500 cashback
- On spends between Rs. 10,001 to 30,000- .25% cashback
- On spends between Rs. 30,001 to 5 lacs- .50% cashback
- On spends of more than 5 lacs Rs. 1% cashback
- Maximum Rs. 10,000 cash back in a month
Biz Credit Card
Rewards and benefits
- Spent on Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts and Best Price Online Wholesale Market Shopping & Makemytrip MyBIZ transactions- 4 reward points for every Rs 100 spent
- Other Spent- 1 reward points for every Rs 100 spent
- Airport lounge access- 1 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Corporate Gold Credit Card
Rewards and benefits
- Specially designed for corporate
- Easy redemption of reward points
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 500 to 3000) and Max fuel surcharge waiver – Rs 3500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Privy League Signature Card
Rewards and benefits
- Spent on apparels, grocery, consumer durable, multi-brand online and, departmental stores (Shoppers Plan) or airlines, hotels, duty free, international spends and travel agencies (Travellers Plan)– 5 reward points for every Rs 100 spent
- Other Spent- 2 reward points for every Rs 100 spent on both plan
- Bonus reward points on spend of Rs 3 lakhs and 8 lacs- 7000 points and 30,000 points
- 1 point = .25 paise
- Priority Pass Membership with 4 complimentary accesses every year
- Airport lounge access- 2 Per quarter
- Fuel surcharge waiver- 1% (for transactions between 400 to 4000) and Max fuel surcharge waiver – Rs 4500 each calender year
- Railway Surcharge waiver- 1.8% on irctc website and 2.5% on ticket booking counter. Maximum waiver allowed Rs 500 each calender year
Fees and Charges of Kotak Mahindra Credit Card
Here are the fees and charges of Kotak Mahindra credit cards:
- Joining fee: This is a one-time fee that is charged when you apply for a Kotak Mahindra credit card. The joining fee varies depending on the type of credit card you apply for.
- Annual fee: This is a yearly fee that is charged on your credit card. The annual fee also varies depending on the type of credit card you hold.
- Finance charges: If you don’t pay your credit card bills in full, you will be charged interest on the outstanding amount. The finance charges are usually between 3% to 4% per month, depending on the type of credit card you hold.
- Late payment fee: If you don’t pay your credit card bill on or before the due date, you will be charged a late payment fee. The late payment fee is usually around Rs. 500 or 1% to 2% of the outstanding balance, whichever is higher.
- Overlimit fee: If you exceed your credit limit, you will be charged an overlimit fee. The overlimit fee is usually around Rs. 500 or 2% to 3% of the overlimit amount, whichever is higher.
- Cash withdrawal fee: If you withdraw cash using your credit card, you will be charged a cash withdrawal fee. The cash withdrawal fee is usually around 2.5% to 3% of the cash withdrawal amount, with a minimum fee of Rs. 300 to Rs. 500.
- Foreign currency markup fee: If you use your credit card for transactions in a foreign currency, you will be charged a markup fee. The markup fee is usually around 3.5% to 5% of the transaction amount.
- Card replacement fee: If you lose your credit card or it gets stolen, you will be charged a card replacement fee. The card replacement fee is usually around Rs. 100 to Rs. 500.
- Balance transfer fee: If you transfer the balance of another credit card to your Kotak Mahindra credit card, you will be charged a balance transfer fee. The balance transfer fee is usually around 1% to 3% of the transfer amount.
It’s important to note that the fees and charges of Kotak Mahindra credit cards may vary depending on the specific credit card you hold, so it’s always a good idea to check the terms and conditions of your credit card to understand the fees and charges applicable to you.
Eligibility requirement for Kotak Mahindra Credit Card
Here are the eligibility requirements for Kotak Mahindra credit cards:
- Age: To be eligible for a Kotak Mahindra credit card, you must be at least 18 years old. Some credit cards may have a higher minimum age requirement.
- Income: You must have a steady source of income to be eligible for a Kotak Mahindra credit card. The minimum income requirement may vary depending on the type of credit card you apply for.
- Credit score: It’s generally a good idea to have a credit score of 750 or higher.
- Residency status: You must be a resident of India to be eligible for a Kotak Mahindra credit card. Some credit cards may have additional requirements, such as a minimum number of years of residency in India.
- Documentation: To apply for a Kotak Mahindra credit card, you will need to provide certain documents, such as- proof of identity, age proof,Proof of address, Proof of income or employment details, PAN Card
It’s important to note that the eligibility requirements for Kotak Mahindra credit cards may vary depending on the specific credit card you are interested in. Additionally, meeting the eligibility requirements does not guarantee approval for a credit card. Other factors, such as your credit history and existing debt, may also be taken into consideration when evaluating your credit card application.
How to Apply for a Kotak Mahindra Credit Card
Kotak Mahindra Bank offers a convenient and hassle-free online application process for its credit cards. If you’re interested in applying for a Kotak Mahindra credit card, here’s a step-by-step guide on how to do it:
- Visit the official Kotak Mahindra Bank website: Start by visiting the bank’s official website. You can access the site through your desktop or mobile device.
- Navigate to the credit card section: Once you’re on the website, navigate to the ‘Explore Products’ tab and select ‘Cards’. From there, select ‘Credit Cards’ to see all the credit cards offered by Kotak Mahindra.
- Choose your preferred credit card: After browsing through the various credit cards, choose the one that best suits your needs and click on the ‘Apply Now’ button.
- Fill in your personal and financial details: Once you’ve selected your preferred credit card, you will be redirected to a page where you’ll need to fill in your personal and financial details. This information will include your name, contact details, income details, and other relevant information.
- Upload necessary documents: After providing your personal and financial information, you’ll be required to upload certain documents, such as proof of identity, address, and income. Make sure you have these documents ready in advance to complete your application process quickly.
- Review your application: Double-check all the details you’ve provided and make sure they’re accurate before submitting your application. Reviewing your application will help ensure that it’s error-free and will increase your chances of approval.
- Wait for the bank’s decision: Once you’ve submitted your application, the bank will review it and make a decision based on your creditworthiness and other factors. This process usually takes a few days, but it may take longer in some cases.
- Receive your credit card: If your application is approved, the bank will send you the credit card to the address you provided. Make sure to activate your credit card and set a PIN before using it. In conclusion, applying for a Kotak Mahindra credit card is easy and convenient. With the bank’s online application process, you can apply from the comfort of your home or office, and get your credit card delivered to your doorstep.
FAQs on Kotak Mahindra Credit Card
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What are the eligibility criteria to apply for a Kotak Mahindra Credit Card?
You must be at least 18 years of age and have a stable source of income to apply for a Kotak Mahindra Credit Card.
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What are the documents required to apply for a Kotak Mahindra Credit Card?
You will need to submit documents such as PAN card, Aadhaar card, income proof, address proof, and passport size photograph.
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How can I apply for a Kotak Mahindra Credit Card?
You can apply for a Kotak Mahindra Credit Card online or by visiting a Kotak Mahindra Bank branch.
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How long does it take for the credit card application to be processed?
It usually takes around 7-10 working days to process the application.
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How can I check the status of my credit card application?
You can check the status of your application by visiting the Kotak Mahindra Bank website or by contacting the customer care.
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What is the minimum credit limit for a Kotak Mahindra Credit Card?
The minimum credit limit for a Kotak Mahindra Credit Card is Rs. 10,000.
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What are the late payment charges for Kotak Mahindra Credit Cards?
The late payment charges for Kotak Mahindra Credit Cards depend on the outstanding amount and the type of card.
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Can I convert my purchases into EMI on Kotak Mahindra Credit Cards?
Yes, you can convert your purchases into EMI using your Kotak Mahindra Credit Card.
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What is the cash withdrawal limit on Kotak Mahindra Credit Cards?
The cash withdrawal limit on Kotak Mahindra Credit Cards is usually a percentage of the credit limit.
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What are the benefits of using a Kotak Mahindra Credit Card?
Kotak Mahindra Credit Cards offer a variety of benefits such as reward points, cashback offers, discounts on dining, movies, travel, and more.
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How can I redeem my reward points earned on my Kotak Mahindra Credit Card?
You can redeem your reward points by visiting the Kotak Mahindra Bank website or by contacting the customer care.
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How can I pay my Kotak Mahindra Credit Card bill?
You can pay your bill online through the bank’s website, mobile app, or net banking.
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How can I block my Kotak Mahindra Credit Card if it is lost or stolen?
You can block your card by contacting the customer care or by visiting the nearest Kotak Mahindra Bank branch.
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How can I change the PIN of my Kotak Mahindra Credit Card?
You can change the PIN of your card through the bank’s website, mobile app, or by visiting the nearest Kotak Mahindra Bank ATM.
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Can I add an add-on card to my Kotak Mahindra Credit Card?
Yes, you can add an add-on card to your Kotak Mahindra Credit Card.
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How can I contact the customer care for Kotak Mahindra Credit Cards?
You can contact the customer care through the bank’s website, mobile app, or by calling the toll-free number.
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