Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping | Food |
Reward Type
Cashback |
The Kotak Mahindra group has been serving its customers since 1985 and has launched 323 branches all across India, with a customer base of over 2.7 million so far. The bank offers a wide range of financial solutions to its individuals and companies depending on their requirements and provides investment products, such as mutual funds, life insurance, stockbroking, and more. Apart from this comprehensive collection of products and services, the bank also offers credit cards to its customers, loaded with exciting features and benefits. It was 2008 when Kotak Mahindra Bank Credit Cards entered the market, and currently, the number of total outstanding credit cards has crossed over 59 lakhs (as of January 2024), which shows that cardholders are pretty satisfied with the card issuer’s services.
To know more about the credit card offered by Kotak Mahindra, read below, given some of the finest credit cards from its portfolio. The bank offers various credit cards, and to assist you in choosing the right card, we have come up with an article below:
With so many credit cards offered by different card issuers in the Indian market, it becomes difficult for individuals to filter out all the Kotak Mahindra Credit Cards and choose the best out of them. To help them out, we have provided a list of every popular Kotak Credit Card in the country so that you can go through the benefits and features of all of them and choose the one as per your needs:
Shopping | Food |
Cashback |
Travel |
Reward Points
Travel |
Reward Points |
Fuel |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Travel | Shopping |
Reward Points
Travel | Shopping |
Reward Points
Shopping |
Reward Points
Travel | Shopping |
Reward Points
Movies |
Reward Points
Movies |
Reward Points
Movies |
Reward Points
Movies |
Reward Points
Shopping |
Reward Points |
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Shopping |
Reward Points
Kotak Mahindra various exclusive benefits across different categories with its credit cards. Premium cards with high annual fees offer greater rewards and benefits than basic cards that come with a lower annual fee. Following are the general features and benefits that you can enjoy with the Kotak Mahindra Credit Cards:
Being a major credit card issuer in the country, Kotak Mahindra Bank offers various cards ranging from super-premium to basic categories. We have categorized different Kotak Credit Cards on the basis of their annual fee, features & benefits, and a few more important factors below in this article:
Myntra is a popular fashion E-commerce company in India that showcases clothing from renowned global as well as Indian brands. Recently, Kotak Mahindra Bank has collaborated with Myntra to introduce their co-branded credit card. This credit card allows you to receive exclusive cashback on your Myntra purchases and on other partner brands as well. Additionally, the card offers a complimentary membership to Myntra Insider, along with a welcome benefit of a Rs. 500 Myntra voucher. Moreover, you can also enjoy various benefits such as complimentary lounge access, milestone benefits, and an annual fee waiver too.
It is one of the two Indigo co-branded credit cards offered by Kotak Mahindra Bank. The card is targeted at frequent flyers who are loyal to Indigo Airlines. The annual fee of the card is Rs. 2,500, which is entirely worth it for those who are wise enough to get the most out of this card. The card rewards you with 6E Rewards, which can be redeemed against various options, including travel bookings, shopping vouchers, etc. Apart from this, the card also offers complimentary airport lounge access with this card.
This credit card can be considered the toned-down version of the aforementioned 6E Rewards XL Card. With an annual fee of Rs. 700, the card offers various exclusive privileges to cardholders. Being a basic card, it offers a decent reward rate, and one can save a lot if the card is used properly. There are many more benefits that you can enjoy with this card, including discounts across premium hotels, fuel surcharge waivers, etc.
The White Reserve Credit Card is a super-premium credit card that comes with a high annual fee of Rs. 12,500 and targets high-net-worth individuals. The Reward structure of this card is quite different from most of the other cards offered in the Indian market. The card doesn’t reward you on every spend you make but on achieving some specific spend milestones. Other than this, the card offers several exciting advantages over different categories, including travel, entertainment, etc.
This card by Kotak Mahindra Bank comes with no joining fee and offers you exciting rewards and other benefits like travel benefits. You not only earn reward points on all spent on this card, but you also get the privilege of complimentary domestic lounge access, making it more rewarding for its card members. You can also earn up to 30000 bonus RP every year on achieving the milestone spend limit.
The Zen Signature Credit Card is another premium card that the Kotak Mahindra Bank offers. This card provides you exclusive shopping, travel, and milestone benefits on the transactions made on this card. Get 1500 zen points as welcome benefits on paying the card joining fee. You can earn up to 15 zen points per Rs. 150 spent on KayMall and 5 zen points on every other Rs. 150 spent using this card. This card entitles you to 8 complimentary domestic lounge access in a year and 3 complimentary international lounge access.
The Privy League Signature Credit Card is a premium card offered by the Bank that provides you with two variants to choose from. The one card that offers you two plans is the Shopper’s Plan, and the other one is the Traveller’s Plan, giving you complete freedom to choose a plan according to your requirements. Being a premium card, it offers exclusive and exciting offers and deals.
Kotak Mahindra Bank offers you League Platinum Credit Card under its Lifestyle Credit Cards. On this card, you earn 8x reward points on annual spending up to Rs. 2 Lakhs on special categories and 4x reward points on other categories. On spending Rs. 1,25,000 annually, you either get 4 free PVR tickets or earn 10000 reward points. This card even covers protection liability up to Rs. 1,25,000 in an unfortunate time of fraud or loss of the card.
Kotak Mahindra Bank launched this card to provide a great reward experience to its card members. This card comes with no joining and an annual fee and is issued on a fixed deposit (minimum of Rs. 10000). As a welcome benefit, you earn 500 bonus reward points. You get 1 reward point for every Rs. 100 spent on this card and 2 reward points for online shopping. On spending Rs. 75,000 in a year, you get a cash-back of Rs. 750 and 4 complimentary PVR movie tickets.
Kotak Mahindra Bank launched this card in collaboration with PVR, keeping in my mind the needs of the people who love to go to the movies. You get 2 free PVR movie tickets every month only when you spend Rs. 10000 and above in a monthly billing cycle. Your card is insured against theft and loss, covering insurance worth Rs. 75000. You can renew this card at Rs. 999.
It’s a decent card with no joining fee that gives you benefits on movies. You get 1 PVR movie ticket free on spending Rs. 10,000 in a month and 2 free PVR movie tickets on spending Rs. 15000 in a month. Moreover, this card allows you to earn a cash-back of 15% on food and beverages at PVR. This card even covers insurance worth Rs. 50000 against loss or theft of the card. The annual fee of this card is Rs. 499. This one is a sister card of the PVR Kotak Platinum Credit Card, but with slight changes.
Different credit cards offered by Kotak Mahindra Bank come with distinct reward rates. In general, premium cards with higher annual fees offer higher reward rates in comparison to cards with lower annual fees. Moreover, the reward rate can also be different in different categories. For example, a card may offer you 1x Rewards on shopping, 2x on entertainment, and 3x on travel. The following table will help you to understand the reward points/cashback rate of the Top Kotak Bank Credit Cards in different categories:
Credit Card | Reward Points |
White Reserve Credit Card | White Pass Value earned on the basis of spend milestones. |
Privy League Signature Credit Card | 5x reward points on every Rs. 100 spent on special categories and 2x reward points on every Rs. 100 spent at retail outlets. |
Zen Signature Credit Card | 15 zen points on every Rs. 150 spent on KayMall and 5 zen points on every Rs. 150 spent on other categories. |
Royale Signature Credit Card | 4x reward points on every Rs. 150 spent on special categories and 2x reward points on other categories. |
League Platinum Credit Card | 8x reward points on every Rs. 150 spent on special categories and 4x reward points on every Rs. 150 spent on other categories. |
6E Rewards XL – Indigo Kotak Bank Credit Card | 6% 6E Rewards on spends on Indigo and up to 3% 6E Rewards on other spends. |
6E Rewards – Indigo Kotak Bank Credit Card | 3% 6E Rewards on Indigo spends and up to 2% 6E Rewards on other spends. |
811 #DreamDifferent Credit Card | 2 reward points on every Rs. 100 spent on online shopping and 1 reward point on every other Rs. 100 spent on this card. |
PVR Kotak Platinum Credit Card | 15% cash-back on food and beverages at PVR & 5% cash-back on movie tickets at PVR Box Office. |
PVR Kotak Gold Credit Card | 15% cashback on food and beverages at PVR & 5% cash-back on movie tickets at PVR Box Office. |
With the Kotak Bank Credit Cards, you can earn reward points/cash back on almost all your spends, but to maximize your rewards, you should choose your credit card wisely. Firstly, try to find out the categories where you spend the most and get a credit card that offers the maximum rewards in those categories. Moreover, you should also check for the options for reward points redemption and make sure that you can redeem your points against something of your use.
Kotak Reward Points can be redeemed on the Kotak Reward Redemption portal for shopping vouchers, mobile recharges, purchasing products, movie/travel ticket bookings, and much more. There is one more Program available to redeem the accumulated reward points, which is Kotak’s PayByPoints program, under which you can redeem your points for shopping at selected partner merchants and brands like Puma, Archies, etc. Different Kotak Credit cards can have different redemption processes and reward point values. You can understand the reward redemption of some of the Top Kotak Credit Cards with the following points:
Every Credit Card issuer holds certain eligibility standards that need to be fulfilled by the applicants in order to get approved for a card. These measures might be affected by different aspects, including the applicant’s income, age, credit history, and a few more. However, the income/credit score requirements may vary for various cards offered by Kotak Bank. The following are the criteria that one needs to fulfill:
An annual fee is something that most individuals consider when applying for a credit card, as everyone wants a card that they can afford. People with a high annual income might look for premium cards with high annual fees, and those with a low income will definitely want a low annual fee card. The yearly fee for some of the popular Kotak Bank Credit Cards is mentioned in the table below. Along with the fee, you can also check the condition to get your annual/joining fee waived off:
Credit Card | Annual Fee | Renewal Fee Waiver Condition |
Privy League Signature Credit Card | Rs. 2500 + GST | Spends of Rs. 5 lakhs in the preceding year |
Zen Signature Credit Card | Rs. 1500 + GST | On spending Rs. 1,50,000 |
Royale Signature Credit Card | Rs. 999 + GST | On spending Rs. 1,00,000 |
League Platinum Credit Card | Rs. 499 + GST | On spending Rs. 50,000 |
6E Rewards XL – Indigo Kotak Bank Credit Card | Rs. 1,500 + GST | NIL |
Essentia Platinum Credit Card | Rs. 749 + GST | NIL |
811 #DreamDifferent Credit Card | NIL | NIL |
PVR Kotak Platinum Credit Card | Rs. 999 + GST | NIL |
PVR Kotak Gold Credit Card | Rs. 499 + GST | NIL |
Apart from the annual fee, there are a few more charges, (like the interest rate, foreign currency markup fee, cash advance fee, late payment charges, etc), that should be considered by you before choosing a card for yourself. You can check some of the most important charges that are applicable on Kotak Credit Cards in the table below:
Interest Rate | – 2.49% on Privy League Signature Card
– 3.4% to 3.5% per month on all other cards. |
Cash Advance Fee | – Rs. 300 on every Rs. 10,000 withdrawal |
Forex Markup Fee | – 2% on Privy League Signature Card (paid variant)
– 3.5% on all other cards. |
Apply for Kotak Mahindra Bank credit cards using online mode or by visiting the nearest branch as follows:
Once you get your Kotak Bank Credit Card, you will need to activate it so that you can use it for your purchases. You can activate your new Kotak Credit Card using the below-mentioned methods:
You can register your Kotak Mahindra Bank Credit Card for internet banking with a few steps mentioned below:
There might be situations when you have doubts related to your Credit Card, and you need to contact customer care urgently. The following are the contact details that you can use to reach the Kotak Bank Credit Card customer care:
Kotak Mahindra Bank issues a broad range of credit cards with different features, fees, and charges. No one card can be regarded as the best for everyone, but different Kotak Bank Credit Cards can be the right choice for different people depending on their spending habits and requirements. Some people might be looking for low annual fee cards with only basic features, and some might look for premium cards with world-class benefits and high annual fees. Moreover, different people can have different spend categories. Some of you might be spending the most on shopping, some on travel, and others on lifestyle or entertainment categories. Accordingly, the card providing the maximum benefits in your spend category will be the best card for you.
Before you apply for a credit card, it is really important to compare it with other similar cards and then go with the one that seems to suit you the best. Now, if you want to choose the best Kotak Bank Credit Card for you, you should first make a rough idea of what type of card you want. Decide a range of the annual fees that you can afford, note down the categories on which you spend the most, and then make a list of all the Kotak Bank Credit Cards that lie within that range. After this, filter out the cards best suited for the categories where you spend a lot. The last and most important thing you need to do is compare all the filtered-out cards in regard to their fees and features and then go with the one that seems to offer the maximum rewards and benefits with the minimum charges.