Kotak Bank Credit Card

Kotak Mahindra Bank is one of the prominent banks in the country and offers an array of products and services. One of the popular products offered by Kotak Bank is Credit Card.  

Kotak Mahindra Bank offers a wide range of credit cards tailored to different lifestyles and spending patterns. Whether you prefer rewards, cashback, travel privileges, shopping deals, or dining discounts, there’s a card to match your needs. With annual fees starting from Rs. 0 and going up to Rs.12,500, and an interest rate of 3.5% per month, Kotak Credit Cards cater to both first-time users and premium customers. Choose the one that fits your requirements and unlock exclusive benefits.

Updated On - 04 Oct 2025
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Top Kotak Bank Credit Cards in India 2025

Credit Cards 

Joining Fee & Annual Fee 

Benefits 

Kotak UPI RuPay Credit Card 

Joining Fee: Nil, Annual Fee: Nil 

  1. Earn 3 reward points on every Rs.100 spent using UPI or your credit card
  2. This is a virtual credit card
  3. Redeem 1,000 points for Rs. 100 (minimum 1,000 points required)
  4. Lifetime free card

Note: No rewards on rent, fuel, railways, loading wallet, EMI, balance transfer or education. 

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 airport lounge visits annually.
  4. 1% fuel surcharge waiver of up to Rs. 3,500, on transactions ranging between Rs.500 up to Rs.5,000
  5. Railway surcharge waiver of 1.8% on booking through irctc.co.in and 2.5% on booking at counters. Maximum surcharge waiver of up to Rs.500.
  6.  Get an annual fee waiver on spending Rs. 1 lakh and above using this credit card 

Kotak 811 Credit Card 

Joining Fee: 500, Annual Fee: 500 

  1. Earn 500 reward points on spending Rs.3000 within 30 days of 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. On spending Rs.75,000 within an anniversary year, you will be eligible for 3 complimentary PVR tickets.
  5. 1% fuel surcharge waiver of up to Rs. 3,500, on transactions ranging between Rs.500 up to Rs.5,000
  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. Get a 1% fuel surcharge waiver of up to Rs. 3,500, on transactions ranging between Rs.500 up to Rs.5,000
  4. Railway surcharge waiver up to Rs.500 in a year.
  5. This credit card also offers priority assistance.
  6. Fraud cover for lost or stolen cards.

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 within30 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 spendingRs.30,000 within60 daysof 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 ₹150 spent on shopping categories like apparel, lifestyle products, departmental stores, and jewellery.
  2. Earn 5 Zen points for every ₹150 spent on all other purchases (except fuel, cash transactions, and EMI conversions).
  3. Get7,500 Zen points on yearly spends of Rs.3,00,000, plus another 7,500 points on yearly spends of Rs.6,00,000.
  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 creditcard.
  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.  

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. 3lakhspent 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. Personalized 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 1,000pointsrequiredfor 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), or10,000 reward points.
  6. PVR tickets are transferable and can be booked through the PVR website.
  7. 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. Get a 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.
  2. Get upto48 days of interest-free credit, similar to an overdraft facility.
  3. You can redeem points every quarter 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. No need for cash advances, as the company clears employees’ expenses.
  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. Get 1%fuelsurcharge 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 for every Rs.200 spent internationally and 1 reward point for every Rs.200 spent in India. Accumulate points and redeem them for movie tickets, air tickets, cashback, and more.
  2. Fuel surcharge waiver of 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. Gift add-on cards to family members at a nominal fee.
  5. Complimentary access to Dream Folks lounges in India. 

Biz Credit Card 

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

  1. Get 4 reward points per Rs.100 spent across categories such as travel and tour operators, domestic airlines, direct marketing/advertising services, supermarkets, and lodging including hotels, motels, and resorts.
  2. Earn 1 reward point per Rs. 100 on all otherspends.
  3. Avail one complimentary lounge access each calendar quarter at designated Indian airports.
  4. Save 1.8% on IRCTC.co.in and 2.5% on railway booking counter transactions, with surcharge waiver capped at Rs.500 per calendar year.
  5. Get1%fuel surcharge waiver on transactions between Rs.500 and Rs.3,000, with a maximum benefit of Rs.2,500 per calendar year.
  6. Comprehensive travel insurance offered with this credit card covers various contingencies. 

Metro Kotak Credit Card 

Joining Fee: Nil, Annual Fee: Nil 

  1. Up to 1% cashback on purchases at METRO wholesalestores.
  2. Activation benefit of Rs. 500 on the first transaction over Rs. 10,000within30 days.
  3. 48-day interest-free credit period for managing cash flow.
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Benefits of Kotak Mahindra Bank Credit Cards

The benefits of Kotak Credit Cards are listed below:

  1. New cardholders get reward points, gift vouchers, and special offers when they activate their card.
  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?

There are multiple ways to check Kotak Mahindra Bank credit card application status. One option is to call the Kotak Banking Helpline. The other is to visit the bank’s official website and click on ‘Track Application Status’. To proceed, you will need to enter your application 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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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.
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FAQs on Kotak Credit Cards

  • 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 is 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.

  • 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.

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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