Kotak Bank Credit Card

Kotak Credit Cards offer a wide range of options to suit your lifestyle and spending habits, whether you are looking for rewards, cashback, travel perks, shopping offers, or dining discounts. With annual fees ranging from Rs.0 to 12,500 and an interest rate of 3.5% per month, Kotak Mahindra Bank provides credit cards suitable for both new users and premium customers. Select the best Kotak credit card based on your needs and enjoy exclusive benefits designed just for you.

Updated On - 05 Sep 2025
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Top Kotak Bank Credit Cards in India 2025

Credit Cards

Joining Fee & Annual Fee

Benefits

Myntra Kotak Credit Card

Joining Fee: Rs. 500, Annual Fee: Rs. 500

  1. 7.5% instant discount on Myntra.
  2. 5% cashback on Preferred Partners.
  3. 1.25% unlimited cashback on all spends.
  4. 2 PVR tickets per quarter.
  5. Access to Myntra Insider Program.
  6. Domestic airport lounge access.

Kotak UPI RuPay Credit Card

Joining Fee: Nil, Annual Fee: Nil

  1. Earn 3 reward points for every Rs. 100 spent via UPI/regular credit card.
  2. No capping limit on reward points per statement cycle.
  3. Redeem 1,000 points for Rs. 100 (minimum 1,000 points required).
  4. Lifetime free card.
  5. Note: No rewards on rent, fuel, railways, loading wallet, EMI, balance transfer or education.

IndiGo 6E Rewards Credit Cards

Joining Fee: Rs. 700, Annual Fee: Rs. 700

  1. Welcome ticket voucher worth Rs. 1,500
  2. Unlimited 3% 6E rewards on flight reservations
  3. 6E Prime add-ons like priority check-ins, seat choices, complimentary meals and assistance worth Rs.1099
  4. Earn unlimited 6E reward points on applicable spends and redeem them against IndiGo tickets

Mojo Platinum Credit Card

Joining Fee: Rs. 1,000, Annual Fee: Rs. 1,000

  1. Earn 2.5 Mojo points per Rs. 100 spent online.
  2. 1 Mojo point for every Rs. 100 on all other purchases.
  3. 8 complimentary DreamFolks airport lounge visits annually.
  4. Earn 2,500 Mojo points every quarter by spending Rs.75,000, valid only during the first year from card issuance.
  5. 1% fuel surcharge waiver of up to Rs. 3,500.
  6. Railway surcharge waiver of 1.8% on booking through irctc.in and 2.5% on booking at counters. Maximum surcharge waiver of up to Rs.500. 

Kotak 811 Credit Card

Joining Fee: 500, Annual Fee: 500

  1. Earn 500 reward points on spending Rs.5000 within 45 days card activation.
  2. Earn 2 reward points for every Rs.100 spent online.
  3. Get an annual fee waiver on spending Rs.50,000 and above in the previous anniversary year.
  4. Get a cashback of Rs.750 or 4 complimentary PVR tickets on spending Rs.75,000 in the previous anniversary year.
  5. 1% fuel surcharge waiver up to Rs.3,500 in a year.
  6. Get a railway surcharge waiver of 1.8% on booking through irctc.in and 2.5% on booking at counters. Maximum surcharge waiver of up to Rs.500.

League Platinum Credit Card

Joining Fee: Rs. 499/Nil, Annual Fee: Rs. 499

  1. Earn 8 reward points for every Rs.150 spent.
  2. Get 5000 reward points worth Rs. 500 as gift on joining.
  3. Fuel surcharge waiver up to Rs.3,500 annually.
  4. Railway surcharge waiver up to Rs.500 in a year.
  5. Priority assistance.
  6. Fraud cover for lost or stolen cards. 
  7. Earn 4 PVR tickets or 10,000 reward points for every Rs.1,25,000 spent every 6 months.

IndianOil Kotak Credit Card

Joining Fee: Rs. 449, Annual Fee: Rs. 449

  1. Save 4% back as Reward Points on IndianOil fuel spends (24 points per Rs.150 spent), capped at 1200 Reward Points per statement cycle.
  2. Save 2% back as Reward Points on Dining & Grocery spends (12 points per Rs.150 spent), capped at 800 Reward Points per statement cycle.
  3. Earn 0.5% back on all other spends (3 points per Rs.150 spent), including UPI transactions.
  4. Get 1000 Reward Points as a welcome benefit when you spend Rs.500 within 30 days of card issuance.
  5. 1% fuel surcharge waiver for transactions between Rs.100 to Rs.5000 up to Rs.100 per statement cycle.
  6. Earn 0.5% reward points on every Rs.150 spent using UPI on credit card.
  7. Enjoy up to 5% savings on fuel (4% in the form of Reward Points and 1% via fuel surcharge waiver).
  8. Avail a personal accident insurance cover of Rs.2,00,000 with your IndianOil Kotak credit card

White Credit Card

Joining Fee: Rs. 3,000, Annual Fee: Rs. 3,000

  1. White Pass Rewards- a unique rewards program that allows direct value redemption as you reach spend milestones.
  2. On spending Rs.30,000 within 60 days of card set-up, earn White Pass valued at Rs.1,500.
  3. On spending Rs.12 lakhs annually, earn White Pass valued up to Rs.27,000.
  4. Redeem your White Pass Value across luxury brands. 
  5. Complimentary VIP access with Priority Pass to 1300+ airport lounges across 148 countries for a luxurious travel experience.
  6. Up to 4 complimentary international lounge access in a year with Priority Pass.
  7. Up to 8 complimentary Dream Folks lounge access at selected airports across India (2 every quarter).
  8. 1% fuel surcharge waiver at all Indian petrol pumps.
  9. Get a railway surcharge waiver of 1.8% on booking through irctc.in and 2.5% on booking at counters.
  10. Easily covert purchase transactions above Rs. 2500 into EMIs.

Zen Signature Credit Card

Joining Fee: Rs. 1,500, Annual Fee: Rs. 1,500

  1. Earn 10 Zen  points for every Rs. 150 spent on shopping categories such as apparel, lifestyle goods, departmental stores, and jewellery.
  2. Earn 5 Zen points for every Rs. 150 spent on all other transactions, excluding fuel and cash transactions, as well as those converted to EMIs.
  3. Receive 15,000 bonus Zen points for crossing annual spends of Rs. 6 lakh or receive 7,500 Zen points on annual spends crossing Rs.3 lakh.
  4. Get a railway surcharge waiver of 1.8% on booking through irctc.in and 2.5% on booking at counters. Maximum surcharge waiver of up to Rs.500.
  5. Enjoy a welcome gift of 1,500 Zen Points upon paying the joining fees of Rs. 1,500. This gift is not available on the free card.
  6. Get 2 complimentary visits every quarter to select Dream Folks Lounges in India by swiping your credit card.
  7.   Enjoy 3 complimentary accesses per calendar year to Priority Pass International Lounges outside India. 
  8. Avail 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000, with a maximum waiver of Rs. 3,500 per anniversary year. 

PVR Kotak Platinum Credit Card

Joining Fee: Nil, Annual Fee: Rs. 999

  1. Get 2 free PVR movie tickets every month when you spend Rs. 10,000 or more in a monthly billing cycle.
  2. Set the spend limit on add-on credit card.
  3. Track spends separately for add-on credit cards. 
  4. Enjoy 15% cashback on food and beverages at PVR.
  5. Get 5% cashback on movie tickets purchased at the PVR Box Office.
  6. No Joining Fee for the first year.
  7. Add-on cards have benefits same like the primary card. 

Kotak IndiGo 6E Rewards XL Credit Card

Joining Fee: Rs 1,500

Annual Fee: Rs. 1,500 

  1. Get unlimited 6% 6E rewards on flight reservations.
  2. Receive a complimentary IndiGo air ticket worth Rs. 3,000 after completing three transactions each month for the first three months.
  3. Enjoy 6E Prime benefits worth Rs. 1,099, including priority check-in, seat selection, complimentary meals, and assistance.
  4. Avail 8 complimentary domestic airport lounge accesses per year, with 2 visits every quarter at select airports.
  5. Earn 6E Rewards at a rate of 6 points per Rs. 100 spent on IndiGo transactions. Get 3 points per Rs. 100 on dining, grocery, and entertainment spends.
  6. Accrue 2 points per Rs. 100 on other category spends (excluding specific categories).

811 #DreamDifferent Credit Card

Joining Fee: Nil, Annual Fee: Nil

  1. No annual fee for the card, making it cost-effective for all users.
  2. Enjoy interest-free cash withdrawals up to 90% of your total credit limit for up to 48 days.
  3. Earn 4 reward points for every Rs. 100 spent on online transactions. Earn 1 reward point for every Rs. 100 spent on other purchases.
  4. 1% waiver on fuel transactions between Rs. 500 and Rs. 3,000 (up to Rs. 3,500 per year).
  5. 1.8% waiver on transactions through irctc.co.in and 2.5% on Indian Railway booking counters (max Rs. 500 per year).

PVR Kotak Gold Credit Card

Joining Fee: Nil, Annual Fee: Rs. 499

  1. Get 1 free PVR movie ticket every month when you spend Rs. 10,000 and above in a monthly billing cycle.
  2. Get 2 free PVR movie tickets every month when you spend Rs. 15,000 and above.
  3. Cashback Offers:
  4. Enjoy 15% cashback on food and beverages at PVR.
  5. Receive 5% cashback on movie tickets at PVR Box Office.
  6. The card comes with no joining fee for the first year.

White Reserve Credit Card

Joining Fee: Rs. 12,500, Annual Fee: Rs. 12,500

  1. Earn rewards for crossing spend milestones.
  2. For every Rs. 1 spent, you earn 1 White Pass, which equals Rs. 1 in the redemption catalog (or Rs. 0.70 for cashback).
  3. Rewards increase as you reach higher spending levels, ranging from Rs. 5,000 for Rs. 3 lakh spent to Rs. 67,000 for Rs. 1 crore spent in a year.
  4. Redeem White Pass points for gift vouchers from premium brands, flights, hotels, cashback, and curated travel experiences with National Geographic.
  5. Access to exclusive lounges, enhancing travel experiences.
  6. Personalised assistance for travel, dining, and lifestyle needs.
  7. Access to offers and experiences at Marriott hotels.

Urbane Gold Credit Card

Joining Fee: Nil, Annual Fee: Rs. 199

  1. Earn 3 reward points for every Rs. 100 spent on retail purchases.
  2. Redemption value: Every 1,000 points can be redeemed for Rs. 100.
  3. Minimum of 1,000 points required for redemption.
  4. Spend Rs. 1,00,000 in a year to receive either:
  5. 4 free PVR tickets (redeemable online for any day and show), or
  6. 10,000 reward points.
  7. PVR tickets are transferable and can be booked through the PVR website.
  8. Reward points can be used for various options, including air tickets, movie tickets, and mobile recharges.

Corporate Gold Credit Card

Joining Fee: Nil, Annual Fee: Rs. 1,000

  1. Waiver between Rs. 500 and Rs. 3000; maximum of Rs. 3500 waiver per calendar year.
  2. Up to 48 days of interest-free credit, similar to an overdraft facility.
  3. Corporates can assign limits based on employee hierarchy or individual preferences.
  4. Use the card for various business-related expenditures (e.g., meetings, conferences).
  5. Only one payment required for all employee cards; no individual payments by employees.
  6. Eliminates cash advances; no need to keep records like vouchers or travel tickets.
  7. Personalized service for card members; quick assistance with card issues.

Corporate Platinum Credit Card

Joining Fee: Nil, Annual Fee: Rs.999

  1. 48-day interest-free credit period.
  2. Fuel surcharge waiver of up to Rs. 3,500 annually for transactions between Rs. 500 and Rs. 3,000.
  3. Railway surcharge waiver of Rs. 500 annually for IRCTC transactions.
  4. 2 complimentary airport lounge visits per quarter.
  5. Easy redemption of points by contacting customer service.
  6. Track and monitor employee expenses for better control.

Royale Signature Credit Card

Joining Fee: Nil, Annual Fee: Rs. 999

  1. Earn up to 30,000 bonus reward points on annual retail spends of Rs. 8 Lakhs.
  2. Earn 4 reward points per Rs. 150 spent in special categories like hotels, restaurants, and international spends.
  3. 2 reward points on other transactions.
  4. 2 complimentary visits to Dream Folks lounges every quarter.
  5. Fuel surcharge waiver of Rs. 3,500 annually for transactions between Rs. 500 and Rs. 3,000.
  6. Set spending limits for add-on cards and track expenses separately.

Corporate Wealth Signature Credit Card

Joining Fee: Nil, Annual Fee: Nil

  1. Earn 5% cashback on eligible spends.
  2. 48-day interest-free credit period.
  3. Fuel surcharge waiver of Rs. 3,500 annually for transactions between Rs. 500 and Rs. 3,000.
  4. Railway surcharge waiver of Rs. 500 annually for IRCTC transactions.
  5. 2 complimentary visits to Dream Folks lounges per quarter.
  6. Efficient corporate expense management with tracking and budgeting features.

NRI Royale Signature Credit Card

Joining Fee: Nil, Annual Fee: Rs. 1,000

  1. Earn 2 reward points per Rs. 200 spent internationally and 1 point for domestic spends.
  2. Avoid currency conversion fees by spending in Indian Rupees.
  3. Fuel surcharge waiver of Rs. 3,500 annually for transactions between Rs. 500 and Rs. 3,000.
  4. Railway surcharge waiver of Rs. 500 annually for IRCTC transactions.
  5. Gift add-on cards to family members at a nominal fee.
  6. Complimentary access to Dream Folks lounges in India.

Biz Credit Card

Joining Fee: Rs. 299, Annual Fee: Rs. 499

  1. Earn 4 reward points per Rs. 100 spent in select categories like travel, lodging, and advertising.
  2. Earn 1 reward point per Rs. 100 on all other spends.
  3. Complimentary access to Visa lounges at Indian airports.
  4. Waivers on fuel and railway surcharges.
  5. Comprehensive travel insurance covering various contingencies.

Metro Kotak Credit Card

Joining Fee: Nil, Annual Fee: Nil

  1. Up to 1% cashback on bulk purchases at METRO stores.
  2. Activation benefit of Rs. 500 on the first transaction over Rs. 10,000 within 30 days.
  3. 48-day interest-free credit period for managing cash flow.
  4. Maximum monthly cashback limit of Rs. 10,000 with structured cashback based on spending slabs.
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Benefits of Kotak Mahindra Bank Credit Cards

The benefits of Kotak Credit Cards are listed below:

  1. New cardholders can enjoy bonus reward points, gift vouchers, and other exciting offers upon card activation.
  2. Every transaction made with the credit card offers cashback opportunities, enabling users to earn rewards as they spend.
  3. Additional rewards can be unlocked by meeting minimum spending thresholds within specified timeframes.
  4. The card offers exclusive travel benefits, including lounge access and hotel memberships, enhancing the travel experience.
  5. Holders can enjoy significant discounts on movie tickets and dining, making leisure activities more budget friendly.
  6. The credit card includes features like a fuel surcharge waiver, options for an annual fee waiver, and access to various insurance options for added financial security.

Features of Kotak Credit Cards

The following are the key features of Kotak Credit Cards:

  1. EMI Conversion for Shopping: Convert any purchase above Rs.2,500 into equated monthly instalments.
  2. EMI Conversion for Outstanding Balances: Choose balance EMI conversion for easier repayment with attractive interest rates.
  3. Online Balance Transfer: Transfer outstanding balances from other credit cards to your Kotak card with a 90-day interest-free period.
  4. Kotak Cash at Ease: Access cash anytime via ATMs, branches, online fund transfers, or demand drafts.
  5. Kotak Visa Bill Pay: Make online bill payments with your Kotak credit card for free, ensuring you never miss a due date.
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Kotak Mahindra Bank Credit Card Eligibility Criteria

The eligibility criteria for Kotak Mahindra Bank Credit Cards are as follows:

Eligibility Criteria

Requirement

Minimum Age

18 years old

Employment Status

Self-employed or salaried professional

Residency

Indian resident

Income

Must meet minimum income requirements

Required Documents

If you meet the eligibility criteria, you can submit the necessary documents to expedite the credit card approval process:

Document Type

Required Documents

Identification Proof

Aadhaar Card, Passport, PAN Card, Voter ID, etc.

Address Verification

Aadhaar Card, Passport, utility bills, etc.

Income Proof (Salaried)

Recent salary slips

Income Proof (Self-employed)

Latest Income Tax Returns (ITR)

Bank Statements

Up-to-date bank statements

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How to Apply for Kotak Credit Card Online?

Additionally, you can apply for your Kotak card online at the Kotak Mahindra Bank website. The steps you must take to start your application are listed below:

Step 1: Visit the official Kotak Mahindra website.

Step 2: Under the 'Explore Products' tab, choose 'Cards' and then select 'Credit Cards'.

Step 3: You will be redirected to a page with all the cards offered by Kotak.

Step 4: Once you have found a card to apply, you can select 'Apply Now'.

Step 5: You will have to fill in some details to finish your application.

How to Track Kotak Card Application Status Online?

You can check the status of your application in two different ways. To obtain information about your application, contact the Kotak Banking Helpline. As an alternative, you can click on 'Track Application Status' on the bank's official website. To check the status, you must enter the application number or form number.

Method 1: Contact Customer Service

  1. Step 1: Locate the Kotak Banking Helpline number on the official website or credit card documentation.
  2. Step 2: Dial the helpline number ensuring a stable connection.
  3. Step 3: Share your application number and personal identification details with the representative.
  4. Step 4: Request the status of your credit card application.
  5. Step 5: Write down important information or instructions for future reference.

Method 2: Visit the Official Website

  1. Step 1: Go to the official website of Kotak bank
  2. Step 2: Find the 'Credit Cards' section and search for the 'Track Application Status' link.
  3. Step 3: Select 'Track Application Status' to access the application status page.
  4. Step 4: Input your application or form number accurately.
  5. Step 5: Click the submit button to retrieve your application status.
  6. Step 6: Take a screenshot or print the status page for your records.

Kotak Credit Cards Issued Against Fixed Deposits

  1. Kotak NRI Royale Signature Credit Card - Issued against a minimum fixed deposit of Rs.1 lakh

Here is a table outlining the differences between Regular Credit Cards and Credit Cards Against Fixed Deposit (FD):

Criteria

Regular Credit Cards

Credit Cards Against FD

Collateral

No collateral requirement.

Fixed deposit serves as collateral.

Income Requirements

Proof of income is required.

No additional income documentation is needed; FD serves as security.

Credit Score

Low credit scores may lead to application rejection.

Individuals with low credit scores can apply.

Interest Rates

Generally higher interest rates.

Typically, lower interest rates are due to FD collateral.

Documents Required

Requires proof of identity and residence.

No additional documents are required if a fixed deposit exists with the bank.

Withdrawal

An account can be closed without affecting the credit card.

Fixed deposit cannot be terminated until the card is closed or expired.

Credit Card Limit

Limit based on income and credit score.

Limit usually ranges between 80% and 90% of the fixed deposit amount.

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Kotak Credit Card Bill Payments

There are several ways to pay off your Kotak card bill. Listed below are some options you can use:

  1. Mobile banking
  2. Net banking
  3. WebPAY
  4. National Electronic Fund Transfer (NEFT)/ Immediate Payment Service (IMPS)
  5. Phone banking
  6. Cheque payment
  7. Auto debit
  8. VISA payment
  9. Over-the-counter

How to Contact Kotak Credit Card Customer Care?

If you have queries regarding your Kotak card, there are various customer care channels you can choose from:

  1. Phone banking
  2. Email
  3. Keya - Virtual assistant
  4. Bank branches
  5. ATMs
  6. Registered offices

How to Earn and Redeem Reward Points from Kotak Credit Cards?

The points you accumulate on your Kotak card can be redeemed for an array of things. Listed below are some rewards redemption methods you can consider:

  1. Pay with Reward Points: Use your accumulated points to pay for purchases at participating merchant outlets instead of cash or card.
  2. Redeem for Merchandise: Exchange your points for branded goods, movie passes, flight tickets, air miles, cash, or phone top-ups. The conversion rate is 1 Easy Point for every 5 reward points, which will then be converted to Easy Points.
  3. Redeem for Vouchers: Use your points to obtain air ticket vouchers; note that these vouchers are valid for six months only.

How to Close Kotak Credit Card?

Follow the instructions given below to close your Kotak Credit Card:

  1. Prepare a written request to Kotak Mahindra Bank expressing your intention to close the credit card.
  2. Ensure that all past-due amounts on the credit card are cleared before initiating the closure process.
  3. Submit your written request to the bank, either via email or physical mail, as per their guidelines.
  4. After settling your dues, ask the bank for formal confirmation that your credit card has been cancelled.
  5. You will receive acknowledgment from the bank confirming that all your obligations have been fulfilled.

There are specific procedures you must follow if you want to close your card since you are no longer using it. Sending a written communication to the bank is advised if you want to cancel your Kotak card. Your credit card won't be deactivated unless all past-due amounts have been settled. Once the sum has been paid in full, ask the bank to send you a formal confirmation that your credit card has been cancelled. The fact that all of your obligations have been paid should also be acknowledged.

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FAQs on Kotak Credit Cards

  • Can I get two credit cards from Kotak Mahindra Bank?

    No, you can only hold one primary credit card per individual. However, Gold cardholders can request up to 2 add-on cards, and Platinum cardholders can request up to 3 add-on cards.

  • Can Kotak credit card reward points be converted into cash?

    Yes, certain Kotak credit cards allow you to convert reward points into cash via net banking, provided your card supports this feature.

  • How can I withdraw cash using my Kotak credit card?

    You can withdraw cash from an ATM using your credit card PIN. A cash advance fee will apply for each transaction.

  • How do I apply for a Kotak credit card online?

    You can apply online via the bank's website or through net banking for add-on cards. You can also apply by visiting a branch or contacting customer care.

  • How do I transfer funds from my Kotak credit card to a bank account?

    You can withdraw cash from an ATM using your Kotak credit card and deposit it into your bank account. Interest is charged from the date of withdrawal.

  • I already have a Kotak Credit Card; can I apply for one for my wife/relative?

    Yes, you can apply for add-on cards for your family members (spouse, children, etc.).

  • Is there an interest-free period on Kotak credit cards?

    Yes, an interest-free period is available on retail purchases if the balance is paid in full. Cash withdrawals do not have an interest-free period.

  • What are the ways to increase my Kotak credit card limit?

    Frequent use and timely payments may lead to an automatic increase. Alternatively, you can request a higher limit by providing proof of increased income.

  • What is the required credit score for a Kotak credit card?

    The minimum CIBIL score for a Kotak Mahindra Bank credit card is 750. Applications with a score below 750 may be rejected.

  • What’s the process for cancelling my Kotak credit card?

    To cancel your credit card, contact customer service or visit a branch. Ensure all outstanding balances are paid. Get written confirmation from the bank and destroy the card.

  • Who is eligible to apply for a Kotak Mahindra credit card?

    You must be an Indian resident, aged between 21 and 65, with a steady income (salaried or self-employed). Specific criteria may vary by card.

  • How long does it take to receive the loan amount on my Kotak credit card?

    Once approved, the loan amount will be instantly transferred to your Kotak account or any other savings account.

  • Can I use a balance transfer service on a new Kotak credit card?

    No, balance transfer services are not available on Kotak credit cards that are less than six months old.

News About Kotak Credit Card

RBI Lifts Restrictions on Kotak Mahindra Bank

The Reserve Bank of India (RBI) has lifted the restrictions on Kotak Mahindra Bank Limited, allowing the bank to resume digital onboarding of new customers and issue new credit cards. The RBI issued this statement in a press release dated 12 February 2025. Customers can now open new Kotak Mahindra Bank 811 accounts online and through the mobile app. According to the RBI, Kotak Mahindra Bank took corrective measures to address supervisory concerns and provided necessary compliance reports. Additionally, the bank conducted an external audit, approved by the RBI, to validate these measures. Satisfied with the bank's remedial actions, the RBI decided to remove the restrictions. On 24 April 2024, the RBI had imposed restrictions on Kotak Mahindra Bank due to serious deficiencies in IT inventory management, patch and change management, user access management, vendor risk management, data security, and disaster recovery protocols. As a result, the bank was prohibited from onboarding new customers digitally and issuing fresh credit cards.

13 February 2025
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