For your every need, Kotak Mahindra Bank has a huge selection of credit cards loaded with special services and benefits. Whether you want to travel abroad, do online shopping, or dine out with friends, Kotak Mahindra Bank credit cards are always available.
Kotak Mahindra Bank serves customers' needs across sectors such as banking, mutual funds, life insurance, stock broking, and much more. Whether you are a professional working in a leading corporate firm or you are someone who is an avid traveller, the bank has designed its credit cards for every segment. You can see below the features & benefits of Kotak Mahindra Bank Credit Card. There are four categories under which the bank offers credit cards. They are:
- Shopping
- Lifestyle
- Dining & Entertainment
- NRI
- Corporate
- Others
List of Best Kotak Credit Cards 2024
Kotak Mahindra Bank offers a variety of credit cards that come with lots of benefits for different types of spending. With the right Kotak Mahindra Bank credit card, you can both shop and save money. Here, we've listed some of the most popular and highly rated Kotak Mahindra Bank credit cards in India, along with their key features:
Urban Gold Card
The Urbane Gold Credit Card from Kotak Mahindra Bank makes it easy to earn rewards and get free movie tickets. You can also set spending limits on add-on cards, making it really handy for everyday spending.
Joining Fee: Nil
Annual Fee: Rs. 199
Features:
- Earn 3 reward points for every Rs. 100 spent on retail purchases
- Redeem every 1000 points for Rs. 100
- Spend Rs. 100,000 annually to receive either 4 free PVR tickets or 10,000 reward points
- Use reward points for air tickets, movie tickets, mobile recharges, or branded merchandise.
League Platinum Credit Card
The League Platinum Card is your ticket to a bunch of cool perks that fit right into your lifestyle. Shop and earn amazing rewards, dodge those pesky fuel surcharges and enjoy fast-track customer support and cover for lost or stolen cards.
Joining Fee: Rs. 499
Annual Fee: Rs. 499
Features:
- Earn up to 8X reward points on every Rs. 150 spent.
- Get 5,000 reward points worth Rs. 500 on joining.
- Avail fuel surcharge waivers up to Rs. 3,500 annually.
- Get railway surcharge waivers up to Rs. 500 annually.
- Spend Rs. 1,25,000 every 6 months and get 4 free PVR tickets.
Privy League Signature Credit Card
The Privy League Credit Card is a special treat just for the bank's VIP customers, packing some pretty sweet deals. You can score up to 5 reward points for every buck you spend in select categories. Then, use those points to snag movie tickets, flights, or even a little shopping spree.
Joining Fee: Nil (Free Card); Nil (Paid Card)
Annual Fee: Nil (Free Card); Rs. 2,500 (Paid Card)
Features:
- Get a complimentary Priority Pass membership.
- Enjoy access to over 1,300 VIP lounges in more than 148 countries.
- Earn 6,400 bonus reward points every quarter.
- Get 2 complimentary DreamFolks lounge visits per quarter.
Royale Signature Credit Card
The Royale Signature Credit Card offers exclusive privileges and rewards, making it perfect for those who enjoy a luxurious lifestyle. Enjoy high reward points on dining, international spends, and access to premium lounges.
Joining Fee: Nil
Annual Fee: Rs. 999
- Earn up to 30,000 bonus reward points on annual retail spends of Rs. 8 lakhs.
- Get 4 reward points for every Rs. 150 you spend on things like hotels, dining out, and international purchases.
- For all other purchases, you earn 2 points.
- Enjoy 2 free visits to Dream Folks lounges every quarter
- Save on fuel with a yearly waiver of up to Rs. 3,500 on fuel purchases between Rs. 500 and Rs. 3,000
PVR Kotak Gold Credit Card
The PVR Kotak Gold Credit Card is perfect for movie lovers. It offers exclusive rewards and cashback on cinema spending. This will surely make your movie experiences more rewarding.
Joining Fee: Nil
Annual Fee: Rs. 499
Features:
- Spend Rs. 10,000 in a month to earn one free PVR movie ticket.
- Spend Rs. 15,000 in a month to earn two free PVR movie tickets.
- Get 15% cashback on food and beverages at PVR.
- Earn 5% cashback on movie tickets purchased at PVR Box Office.
PVR Kotak Platinum Credit Card
The PVR Kotak Platinum Credit Card is the ultimate card for movie enthusiasts. Not only does it offer free movie tickets, but it also covers your popcorn expenses. This card is the perfect companion for your every cinema visit.
Joining Fee: Nil
Annual Fee: Rs. 999
Features:
- Earn 2 free PVR movie tickets each month by spending Rs. 10,000 or more.
- Get 15% cashback on food and drinks at PVR.
- 5% cashback on movie tickets bought at the PVR Box Office.
- No joining fee for the first year.
NRI Royale Signature Credit Card
The Kotak NRI Royale Signature Card is a great choice for NRIs, packed with benefits just for Indians living overseas. You get to enjoy special perks that really match your lifestyle. So, apply for this credit card now!
Joining Fee: Nil
Annual Fee: Rs. 1,000
Features:
- Get 1 reward point for every Rs. 200 spent in India
- Earn 2 reward points per Rs. 200 spent internationally
- Get an annual fuel surcharge waiver up to Rs. 3,500 on transactions between Rs. 500 and Rs. 3,000
- Get a yearly railway surcharge waiver up to Rs. 500 for IRCTC transactions
- Receive 2 free visits to Dream Folks Lounges in India every quarter.
PVR INOX Kotak Credit Card
The PVR INOX Kotak Credit Card is perfect for movie fans. It makes watching movies even better by giving you lots of free tickets and discounts on snacks and drinks at the cinema!
Joining Fee: Nil
Annual Fee: Rs. 499
Features:
- Receive one PVR INOX movie ticket for every Rs. 10,000 spent in a monthly billing cycle
- For every spend milestone of Rs. 10,000, earn tickets valued at Rs. 300 each
- Enjoy a 20% discount on food and beverages at any PVR INOX
- Benefit from a 5% discount on movie tickets at any PVR INOX
Myntra Kotak Credit Card
Get your fashion fix with the Myntra Kotak Co-branded Credit Card! Enjoy great discounts, endless cashback, and early access to special sales. It’s the perfect card for stylish shoppers.
Joining Fee: Rs. 500
Annual Fee: Rs. 500
Features:
- Get a 7.5% instant discount on Myntra platforms.
- Earn 5% cashback on Preferred Partners category.
- Avail 1.25% cashback on spends across other categories.
- Get 2 complimentary PVR tickets every quarter.
- Enjoy access to the Myntra Insider Program.
- Get a 1% fuel surcharge waiver.
Kotak UPI Rupay Credit Card
Get rewards every time you spend with the Kotak UPI Rupay Credit Card. There’s no limit on the points you can earn, and the card doesn’t cost anything to keep, ever.
Joining Fee: Nil
Annual Fee: Nil
Features:
- Get 3 reward points for every Rs. 100 you spend using UPI or your credit card.
- There's no limit on how many points you can earn in a billing cycle.
- Every 1,000 points can be exchanged for Rs. 100, but you need at least 1,000 points to start redeeming.
- Plus, this virtual credit card is free for life.
Kotak 811 Credit Card
The Kotak 811 Credit Card makes it worth every swipe. Earn points fast, save on next year's fee when you spend enough and enjoy cashback and discounts that make a real difference.
Joining Fee: Rs. 500
Annual Fee: Rs. 500
Features:
- Get 500 bonus reward points on spending Rs. 5,000 within 45 days of card setup
- Earn 2 reward points on every Rs. 100 spent online
- If you spend Rs. 50,000 in a year, the annual fee of Rs. 500 for the next year is waived
- Earn Rs. 750 cashback on spending Rs. 75,000 in the previous anniversary year
- Get a 1.8% discount on train ticket bookings made through www.irctc.co.in.
IndianOil Kotak Credit Card
This card lets you earn up to 24 reward points for every Rs. 150 you spend on fuel at IndianOil, and offers rewards for grocery and dining too. Plus, enjoy a welcome bonus when you get started!
Joining Fee: Rs. 499
Annual Fee: Rs. 499
Features:
- Get 24 reward points per Rs. 150 on IndianOil fuel spends, up to 1200 points monthly.
- Earn 12 reward points per Rs. 150 on grocery and dining, capped at 800 points monthly.
- Receive 3 reward points per Rs. 150 on all other purchases.
- Secure a welcome bonus of 1000 points by spending Rs. 500 within 30 days of card receipt.
- All UPI transactions on the card accrue 0.5% reward points per Rs. 150 spent.
White Credit Card
With the White Credit Card, enjoy exclusive White Pass values for high spenders, savings on fuel surcharges, and the ability to convert purchases into EMIs. This makes big buys easier on your wallet.
Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000
Features:
- Earn White Pass value of Rs. 1,500 on spending Rs. 30,000 within 60 days from card set up.
- Get White Pass value of Rs. up to Rs. 27,000 annually on yearly spends of Rs. 12 lakhs.
- Save 1% fuel surcharge across all petrol pumps in India.
- Save 1.8% to 2.5% for a ticket booked on IRCTC website.
- Convert any purchase Rs. 2,500 into easy EMI payments.
White Reserve Credit Card
The White Reserve offers luxurious benefits like discounts on dining, spa treatments, and accommodations, along with extensive lounge access globally, perfect for the frequent traveler.
Joining Fee: Rs. 12,500
Annual Fee: Rs. 12,500
Features:
- Earn White Pass value up to Rs. 2.5 lakh annually.
- Redeem White Pass points for gift vouchers from premium brands, flights, hotels, and more.
- Avail up to 25% off on food and beverage bills in India and up to 20% across Asia Pacific.
- Get up to 20% off on soa treatments in India.
- Enjoy up to 20% off on best available room rates in India and weekend room rates in Asia Pacific.
- Get lounge access to over 1,000 airports across the world.
811 #DreamDifferent Credit Card
With this credit card, you are not required to pay any annual or joining fee. Moreover, you get to enjoy up to 90% of your credit limit as interest-free cash for 48 days. You can also earn rewards for online and other purchases, and save on fuel and railway bookings.
Joining Fee: Nil
Annual Fee: Nil
Features:
- You can withdraw cash up to 90% of your credit limit without interest for up to 48 days.
- Earn 4 reward points for every Rs. 100 you spend online, and 1 reward point for every Rs. 100 on other purchases.
- Get a 1% discount on fuel purchases between Rs. 500 and Rs. 3,000, up to Rs. 3,500 each year.
- Save 1.8% on IRCTC transactions and 2.5% at Indian Railway booking counters, up to Rs. 500 each year.
Kotak Infinite Credit Card
Apply for this credit card now and get amazing deals and offers. Play two rounds of golf for free each month, earn monthly rewards, enjoy lounge access, and get discounts on fuel and railway surcharges.
Joining Fee: Nil
Annual Fee: Nil
Features:
- Enjoy two free golf rounds each month just for you
- Invite two friends for a free round of golf once every quarter
- Receive 800 reward points, worth Rs. 800, every month
- Visit Dream Folks Lounges four times every quarter at no cost, available only in India.
- Save 1% on fuel surcharges at all petrol stations across India
- Get a 1.8% to 2.5% discount on railway surcharges when booking through www.irctc.co.in.
Zen Signature Credit Card
Join for Rs. 1,500 and earn bonus points on shopping and other spends, enjoy lounge access, and save on fuel. The card also offers international lounge access and a big bonus for high spenders.
Joining Fee: Rs. 1,500
Annual Fee: Rs. 1,500
Features:
- Earn 10 Zen Points for every Rs. 150 spent on shopping, including apparel, lifestyle goods, department stores, and jewelry.
- Earn 5 Zen Points for every Rs. 150 spent on other purchases.
- Get a bonus of 15,000 Zen Points when you spend Rs. 6,00,000 in a year.
- Receive a welcome bonus of 1,500 Zen Points after paying a joining fee of Rs. 1,500. This bonus is not available with the free card version.
- Enjoy 2 free visits to select Dream Folks Lounges in India every quarter by using your credit card.
- Access Priority Pass International Lounges three times for free each calendar year outside of India.
- Save 1% on fuel surcharges for transactions between Rs. 500 and Rs. 3,000, up to a maximum of Rs. 3,500 per year.
IndiGo 6E Rewards Credit Card
With this card, you get a welcome ticket valued at Rs. 1,500. You can also enjoy 6E Prime benefits like priority check-in and complimentary meals. Signature cardholders enjoy 6% back on IndiGo spends and 8 free lounge visits.
Joining Fee: Rs. 700
Annual Fee: Rs. 700
Features:
- Get a welcome ticket worth Rs. 1,500.
- Enjoy 6E Prime add-ons worth Rs. 1,099 and get priority check in, complimentary meal and more.
- Signature cardholders earn 6% rewards on IndiGo purchases.
- Platinum cardholders get 3% rewards on IndiGo purchases.
- Signature cardholders also receive 8 free lounge visits.
Kotak IndiGo 6E Rewards XL Credit
Get a welcome ticket worth Rs. 3,000 and perks like priority boarding and free meals with 6E Prime add-ons. Includes 8 lounge visits a year, allowing 2 visits every quarter.
Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500
Features:
- Get a welcome ticket worth Rs. 3,000.
- Enjoy 6E Prime add-ons valued at Rs. 1099, which include priority check-in, seat selection, a free meal, and assistance.
- Receive 8 lounge visits per year, with access to 2 lounges every quarter.
Kotak Mahindra Bank Credit Card Apply Online
You can apply for Kotak Mahindra Bank credit cards in a seamless manner. All you need to do is visit the official website of the bank and click on the ‘Apply Now’ to proceed your credit card application further. Within a few minutes, you can check your eligibility online and apply for a credit card you want to avail.
Kotak Mahindra Bank Credit Card Application Status
You can easily know the current status of your credit card application online. Earlier, people used to visit the bank so as to gather each and every piece of information, but now, you don’t have to do so as it can easily be done easily online.
What is CVV2 on a Kotak Credit Card?
The CVV2, which you see on your Kotak credit card, offers a layer of enhanced security to your transactions. Actually, it is a 3-digit number printed on the back of the card. And don’t be under the impression that CVV2 and pin number are the same. They are different and, so you should enter these two at their respective spaces.
Frequently Asked Questions
1. Who can apply for a Kotak Mahindra Bank credit card?
Kotak Mahindra Bank eligibility requirements may vary depending on the sort of credit card that you’re applying for. In general, you must be an Indian citizen with a stable source of income (salaried or self-employed), and should be between the age of 21 years to 65 years.
2. What is the process of generating a PIN for your Kotak Bank Credit Card?
You can quickly generate your Kotak Bank credit card’s PIN by using the Kotak Mahindra net banking and/or mobile banking. You can also contact 18602662666 to make a PIN generation request.
3. Is there a credit card app for Kotak Mahindra Bank?
While there is no dedicated credit card app, you can always get all credit card information through the Kotak Mahindra Bank mobile app.
4. Is there a credit card offered by Kotak 811?
Customers of Kotak 811 now have access to a credit card as well. You can visit the website of Kotak Mahindra bank and apply for the same.
5. Can I transfer funds from my Kotak Bank credit card to my bank account?
Yes, you can transfer funds from your Kotak bank credit card to your bank account via a cash advance or you can withdraw money from an ATM with your card and then deposit it into your bank account. The amount you withdraw will be classified as a short-term loan, with interest calculated separately from the interest you pay on your retail purchases. Also, keep in mind that there is no grace period for this loan when it comes to repaying.
6. Is it possible to convert my Kotak credit card reward points to cash?
Yes, you can convert your Kotak credit card reward points to cash. Simply log in to your net banking account and head over to the credit card option, and then select the redemption option.
7. How long does it take to obtain a Kotak Mahindra Bank credit card?
Generally it takes up to 7 business days to obtain a new credit card or a replacement card, after applying. You will receive an SMS with the name of the courier firm as well as the air waybill number as soon as the card is shipped (AWB). This number can be used to track the current location of your card and when you should expect it to arrive.
8. Does Kotak Mahindra Bank offer an interest free period on retail and cash transactions?
Kotak Mahindra Bank offers an interest free period of up to 48 days on retail transactions whereas there is no interest free period on cash transactions.
9. What is the procedure for closing a Kotak credit card?
You can close your Kotak Credit Card by filling out an application and submitting it to the local branch, by sending an email, or by calling the customer care service department. However, before making any request make sure that all of your balances are paid in full, all reward points have been redeemed, and auto payments have been cancelled.
