By Ankur Mittal
Updated On September 10, 2021

The Kotak Mahindra group has been serving its customers since 1985. In February 2003, Reserve Bank of India gave a license to Kotak Mahindra group to carry out banking business, embarking a new journey for the group. This conversion of Kotak Mahindra Finance Ltd. from non-banking institution to a commercial bank paved the path for the other non-financial institutions too. Its headquarter is situated in Mumbai. Since incorporation, it has launched 323 branches all across India with a customer base of over 2.7 million. The bank offers a wide range of financial solutions to its individuals and companies depending upon their requirements and provides investment products too such as Mutual Funds, life insurance, stock broking, and more.

The Kotak Mahindra Bank has a market cap of Rs. 3,40,475 crore and is listed on Nifty 50, S&P BSE Sensex, Nifty Bank, Nifty 100 and Nifty 200. Apart from this wide array of products and services, it also offers credit cards to its customers packed with all the exciting and exclusive offers and deals to the cardholders. It was 2008 when Kotak Mahindra Bank started issuing credit cards to its valuable customers. To know more about the credit card offerings by the Kotak Mahindra Bank, read below given some of the best credit cards from its portfolio.

Kotak Mahindra Bank issues various credit cards, out of which some popular cards are as mentioned below:

Welcome Benefits

NA

Rewards Rate

2 Reward Points on every Rs. 150 spent. 4 Reward Points on every Rs. 150 spent on special categories, such as restaurants, hotels, international spends, Airlines, etc.

Best Suited For

Travel | Shopping |

Movie & Dining

NA

Reward Redemption

The Reward points you earn can be redeemed https://kotakrewards.com/ against various categories at a rate of 1 Reward Point = 18.75 paise.

Joining Fees

Nil

Product Details

  • No joining fee.
  • Get 2 Reward Points per Rs. 150 you spend with your Kotak Royale Signature Credit Card.
  • Get 4 Reward Points per Rs. 150 spent on restaurants, hotels, airlines, travel agencies, international spends, etc.
  • Get complimentary airport lounge access.
  • A 1% fuel surcharge waiver.
  • Railway surcharge waiver.
  • Spend-based renewal fee waiver.
  • Earn up to 30,000 bonus reward points every year based on your spends.

See additional details for Kotak Royale Signature Credit Card

Welcome Benefits

Get 1500 Zen Points on payment of joining fees

Rewards Rate

You can earn up to 15 Zen Points on every Rs 150 spent on KayMall. You can earn up to 5 Zen Points on every Rs 150 on all other categories

Best Suited For

Travel | Shopping |

Movie & Dining

NA

Reward Redemption

1 Zen Point = Rs 0.25  redemption with the Kotak Reward program, you can redeem these reward points for exclusive vouchers and special discounts on partner deals and offers. You also can redeem these reward points and convert them into cash to pay for your shopping spends at partner merchant outlets

Joining Fees

Rs 1500 plus applicable taxes

Product Details

  • 1500 Zen Points on Payment of Joining fees
  • 8 Complimentary Domestic Lounge Access every year
  • 3 Complimentary International Lounges with Priority Pass Membership
  • 7500 bonus Zen Points on annual spending of Rs 3,00,000
  • 15000 bonus Zen Points on annual spending of Rs 6,00,000
  • Annual fee waiver on the annual spending of Rs 1,50,000 or above
  • 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3000

See additional details for Kotak Zen Signature Credit Card

Welcome Benefits

N/A

Rewards Rate

5X reward points on select retail shopping spends and 2X points on all other spends on the shopper’s plan; 5X reward points on travel spends and 2X points on all other spends on the traveler’s plan

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

Reward Points redeemable on Kotak reward redemption portal.

Joining Fees

Rs. 2,500 + GST (for paid variant), Nil for the free variant

Product Details

  • The card is exclusive for privy customers of the bank and is offered in two variants- the paid variant and the free variant.
  • You can choose between two plans- the shopper’s plan and the traveller’s plan.
  • Under the shopper’s plan, you get 5X reward points on select shopping categories (the categories slightly differ for the two variants) and 2X reward points on all other spends.
  • Traveller’s plan earns you 5X reward points on select travel categories (categories different for the two variants), and 2X points on all other spends.
  • 6,400 bonus reward points every quarter on expenditure of Rs. 1,000 in all the three months of the previous quarter (applicable only for paid variant).
  • Bonus reward points on achieving incremental spends based milestones.
  • Complimentary domestic airport lounge access and Priority Pass membership (4 complimentary visits with Priority Pass on the paid variant).
  • Lower interest rate of 2.49% per month.
  • Protection against unauthorised transactions worth Rs. 2.5 lakh.
  • Fuel and railway surcharge waiver.
  • Premium concierge service regarding hotel/flight bookings, spa/fitness centre information, referral assistance, etc.
  • Fuel and railway surcharge waiver.

See additional details for Kotak Privy League Signature Credit Card

Welcome Benefits

NA

Rewards Rate

1 Mojo Point on every Rs. 100 spent. 2.5 Mojo Points on every online spend of Rs. 100. 5 Mojo Points on every Rs. 100 on KayMall.

Best Suited For

Travel | Shopping |

Movie & Dining

NA

Reward Redemption

The Mojo Points you earn can be redeemed against various categories at https://kotakrewards.com/ at a rate of 1 Mojo Point = Rs. 0.25.

Joining Fees

Rs. 1,000

Product Details

  • Get 1 Mojo Point on every Rs. 100 you spend.
  • Get 2.5x Mojo Points on online spends and 5x Mojo Points on KayMall spends.
  • Mojo Points redeemable against the outstanding statement.
  • Get complimentary domestic lounge access every year.
  • Gift vouchers worth Rs. 1,000 on achieving the milestone spend.
  • Spend-based joining and renewal fee waiver.
  • Insurance cover against a lost/stolen card.
  • Save more through fuel surcharge waiver & railway surcharge waiver.

See additional details for Kotak Mojo Platinum Credit Card

Welcome Benefits

Get a movie voucher worth Rs 500 on payment of the joining fee

Rewards Rate

You get 8x reward points for every 150 spent on special categories and  4x reward points on every 150 spent on other categories up to 2 lacs. You 8x reward points on every Rs 150 spent on special categories and other categories above Rs 2 lacs.

Best Suited For

Movies |

Movie & Dining

Get a movie voucher from BookMyShow.com worth Rs 500

Reward Redemption

You can redeem the reward point accumulated at the Kotak rewards portal. You can use the Pay with Points facility provided by the bank at the partner merchant store.

Joining Fees

Rs 499 plus applicable taxes

Product Details

  • Get a movie voucher worth Rs 500 on payment of the joining fee
  • 8x reward points on annual spending up to Rs 2 lacs on special categories and 4x reward points on other categories
  • 8x reward points on annual spending of Rs 2 lacs or above on special categories as well as other categories
  • Get 4 free PVR tickets or 10,000 Reward Points on annual spending of Rs 1,25,000
  • Protection liability up to Rs 1,25,000 in case of theft or loss of card
  • Spend based waiver on annual spending of Rs 50,000
  • 1% fuel surcharge waiver on your fuel transactions between Rs 500 and Rs 3000

See additional details for Kotak League Platinum Credit Card

Welcome Benefits

NA

Rewards Rate

NA

Best Suited For

Movies |

Movie & Dining

You get a cashback of 15% on food & beverages and a 5% cashback on movie tickets at PVR.

Reward Redemption

The free PVR movie tickets you get can be redeemed either by sending an SMS to the bank’s customer care or by the net banking option available on the bank’s website.

Joining Fees

Nil

Product Details

  • No joining fee.
  • You get 2 free PVR movie tickets every month on spending Rs. 10,000 or more.
  • A cashback of 15% on food & beverages at PVR.
  • A cashback of 5% on movie tickets at PVR.
  • Insurance coverage against the lost card.
  • Zero liability protection against a lost/stolen card.

See additional details for PVR Kotak Platinum Credit Card

Welcome Benefits

NA

Rewards Rate

10 Saving Points/Rs. 100 on purchases made at grocery and departmental stores and 1 Saving Point/Rs. 250 on all other spends

Best Suited For

Shopping |

Movie & Dining

6 movie tickets by PVR on expenditure of Rs. 1,2,50,000 in 6 months.

Reward Redemption

Saving Points redeemable on Kotak Rewards portal for travel-related spends, shopping, mobile recharge,  shopping vouchers and movie tickets. The Saving Points can also be used as cash (1 Point = Re. 1) at partner merchants.

Joining Fees

Rs. 1,499 + GST

Product Details

  • Reward Points earned as Saving Points for all transactions.
  • 10 Saving Points for every Rs. 100 spent on departmental and grocery stores (min transaction of Rs.1,500 and max transaction of Rs. 4,000).
  • Saving Points earned on purchases from grocery and departmental stores capped at 500 Points/month.
  • 1 Saving Point for every Rs. 250 on all other spends (no cap in this case).
  • 1 Saving Point = Re. 1 redeemable on Kotak Rewards Portal or for payments at partner merchants.
  • 6 movie tickets or 1200 Reward Points on expenditure of Rs. 1,25,000 in 6 months.
  • Support for contactless payment with Visa payWave. No PIN required for transactions up to Rs. 5,000.
  • Priority assistance with KASSIST.

See additional details for Kotak Essentia Platinum Credit Card

Welcome Benefits

NA

Rewards Rate

NA

Best Suited For

Movies |

Movie & Dining

Get 2 free PVR movie tickets worth up to Rs. 400 each on spending Rs. 15,000 or more in a month.

Reward Redemption

The movie tickets can be redeemed by logging in to www.kotak.com or by sending an SMS

Joining Fees

Nil

Product Details

  • Get 1 free PVR Movie ticket each month on spending Rs. 10,000 in a month.
  • Enjoy 2 free PVR Movie tickets each month on spending Rs. 15,000 in a month.
  • Comes with a Zero Joining Fee
  • You get a cashback of 15% on Food and Beverages at PVR.
  • 5% cashback on Movie tickets at PVR Box Office.

See additional details for PVR Kotak Gold Credit Card

Welcome Benefits

500 bonus Reward Points

Rewards Rate

1 Reward Points on every spend of Rs. 100 and 2 Reward Points on every online spend of Rs. 100.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

The Reward Points you earn can be redeemed against movie tickets, cashback, and many more categories at a rate of 1 Reward Point = Rs. 0.25.

Joining Fees

Nil

Product Details

  • No joining/renewal fee.
  • Get 1 Reward for every Rs. 100 you spend.
  • Get 2 Reward Points for every Rs. 100 you spend on online purchases.
  • A welcome gift of 500 bonus Reward Points.
  • Spend-based bonus Reward Points every year.
  • Get 4 free PVR movie tickets every year on the basis of your spends.
  • A 1 % fuel surcharge waiver.
  • Railway surcharge waiver.

See additional details for Kotak 811 #DreamDifferent Credit Card

Welcome Benefits

Voucher worth Rs. 1,500 on spending Rs. 30,000 withing 60 days of card setup

Rewards Rate

Earn Reward Points as White Pass value post crossing the expenditure milestone of Rs. 2 lakh

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

White Pass value redeemable for vouchers from partner brands

Joining Fees

Rs. 3,000 + GST

Product Details

  • Rewards as White Pass value.
  • Earn White Pass value on achieving spends-based milestones.
  • Voucher worth Rs. 1,500 on the expenditure of Rs. 30,000 within 60 days of card issuance.
  • 4 complimentary international lounge access with Priority Pass membership.
  • 8 complimentary domestic lounge access every year (2 per quarter).
  • Fuel and railway surcharge waiver.
  • Protection against unauthorized transactions worth Rs. 2.5 lakh from 7 days prior to reporting the loss of card.

See additional details for Kotak White Credit Card

Welcome Benefits

NA

Rewards Rate

NA

Best Suited For

Shopping |

Movie & Dining

Get free movie tickets for any show and any given day at your nearest PVR cinemas

Reward Redemption

NA

Joining Fees

Nil

Product Details

  • Zero Membership Fee Charged
  • 4 free PVR movie tickets or a cashback of Rs 750 on spends of Rs 1,50,000
  • 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3000
  • Zero liability cover up to Rs 50,000 is provided with this credit card in case of any fraudulent transactions

See additional details for Kotak Bank Fortune Gold Card

Top 8 Kotak Mahindra Bank Credit Cards

Premium Credit Cards:

Kotak Mahindra Bank offers you the two best premium cards under its portfolio, namely:

Privy League Signature Credit Card

The Privy League Signature Credit Card is a premium card that provides you two variants to choose from. The one card that offers you two plans one is Shopper’s Plan and the other one is Traveller’s Plan, giving you complete freedom to choose a plan according to your requirements. Being a premium card it comes with exclusive and exciting offers and deals.

Zen Signature Credit Card

The Zen Signature Credit Card is another premium card that is offered by the Kotak Mahindra Bank. This card provides you exclusive shopping, travel, and milestone benefits on the transactions made on this card. On the payment of the joining fee, you get 1500 zen points as welcome benefits. You can earn up to 15 zen points on every Rs. 150 spent on KayMall and 5 zen points on every other Rs. 150 spent on this card. This card entitles you to 8 complimentary domestic lounge access in a year and 3 complimentary international lounge access.

Lifestyle Credit Cards:

Royale Signature Credit Card

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 spends on this card but you also get the privilege of complimentary domestic lounge access making it more rewarding for its cardmembers. You can earn up to 30000 bonus reward points every year on achieving the milestone spend limit.

League Platinum Credit Card

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 either you 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.

Shopping Credit Cards:

Essentia Platinum Credit Card

This card is an entry-level card, that earns you 10 reward points on every Rs. 100 spent on groceries and departmental stores on a minimum transaction of Rs. 1500 and maximum transaction of Rs. 4000. You can earn a maximum of 500 points every month on groceries and departmental stores. Apart from this, you can earn 1 reward point on every other Rs. 250 spent on this card. You can either choose 6 movie tickets or 1200 reward points as per your liking only when the expenditure of Rs. 1,25,000 has been done in the last 6 months. You can avail of this card at Rs. 1,499 plus GST.

811 #DreamDifferent Credit Card

Kotak Mahindra Bank launched this card to provide a great reward experience to its cardmembers. This card comes with no joining and an annual fee and issues on fixed deposit (minimum of Rs. 10000). As welcome benefits, you earn 500 bonus reward points. You get 1 reward point on every Rs. 100 spent on this card and 2 reward points on online shopping. On spending Rs. 75,000 in a year, you get a cash-back of Rs. 750 and 4 complimentary PVR movie tickets.

Movie & Dining Credit Card:

PVR Kotak Platinum Credit Card

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.

PVR Kotak Gold Credit Card

It’s a decent card with no joining fee that gives you benefits on movies. You get 1 PVR movie ticket free on spending over 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.

Reward Points & Cashback Benefits:

Credit Card Reward Points
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.
Essentia Platinum Credit Card 10 reward points on every Rs. 100 spent on groceries and departmental stores. 1 reward point on Rs. 250 spent on all other categories.
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.

Rewards Redemption:

Kotak Reward Points can be redeemed on the Kotak Reward Redemption portal for purchasing products, shopping vouchers, mobile recharges, movie/travel ticket bookings, etc. There is one more Program available to redeem the accumulated reward points, that is, Kotak’s PayByPoints program under which you can redeem your points for shopping at selected partner merchants and brands like Puma, Archies, etc.

Credit Card Rewards Redemption
Privy League Signature Credit Card, Zen Signature Credit Card, Royale Signature Credit Card, League Platinum Credit Card, and 811 #DreamDifferent Credit Card 1 Reward Point = Rs. 0.25
Essentia Platinum Credit Card 1 Reward Point = Re. 1
PVR Kotak Platinum Credit Card and PVR Kotak Gold Credit Card
  • 15% cashback on food and beverages at PVR & 5% cash-back on movie tickets at PVR Box Office.
  • Free PVR movie tickets which can be redeemed by sending an SMS or logging in to kotak.com.

Complimentary Airport Lounge Access:

Credit Card Complimentary Lounge Access
Privy League Signature Credit Card Complimentary domestic lounge access with the free variant.
4 complimentary international lounges Priority Pass Membership (with paid variant only)
Zen Signature Credit Card 8 complimentary domestic lounge access and 3 complimentary international lounge access.
Royale Signature Credit Card 2 complimentary domestic lounge access every quarter
League Platinum Credit Card Nil
Essentia Platinum Credit Card Nil
811 #DreamDifferent Credit Card Nil
PVR Kotak Platinum Credit Card Nil
PVR Kotak Gold Credit Card Nil

Annual Fee:

Credit Card Annual Fee Joining Fee Waiver condition (spends within 60 days) Renewal Fee Waiver condition (spend within an anniversary year)
Privy League Signature Credit Card Rs. 2500 + GST NA On spending Rs. 5 lakhs in the preceding year.
Zen Signature Credit Card Rs. 1500 + applicable taxes NA On spending Rs. 1,50,000
Royale Signature Credit Card Rs. 999 NA On spending Rs. 1,00,000
League Platinum Credit Card Rs. 499 + applicable taxes NA On spending Rs. 50,000
Essentia Platinum Credit Card Rs. 749 + GST NA NIL
811 #DreamDifferent Credit Card NIL NIL NIL
PVR Kotak Platinum Credit Card Rs. 999 NA NIL
PVR Kotak Gold Credit Card Rs. 499 NA NIL

Other Fees and Charges:

Credit Card Interest Rate Cash Advance Fee per Rs.10000 Foreign Currency Markup Reward Redemption Fee Add-on Card fee
Privy League Signature Credit Card 2.49% p.m.
(29.88% p.a.)
Rs. 300 Free variant - 3.50%
Paid Variant - 2%
NIL NIL
Zen Signature Credit Card 3.40% p.m.
(40.80% p.a.)
Rs. 300 3.50% NIL NIL
Royale Signature Credit Card 3.40% p.m.
(40.80% p.a.)
Rs. 300 3.50% NIL NIL
League Platinum Credit Card 3.50% p.m.
(42.00% p.a.)
Rs. 300 3.50% NIL NIL
Essentia Platinum Credit Card 3.50% p.m.
(42.00% p.a.)
Rs. 300 3.50% NIL Rs. 299
811 #DreamDifferent Credit Card 2.99% p.m.
(35.88% p.a.)
Rs. 300 3.50% NIL NIL
PVR Kotak Platinum Credit Card 3.50% p.m.
(42.00% p.a.)
Rs. 300 3.50% NIL Rs. 299
PVR Kotak Gold Credit Card 3.50% p.m.
(42.00% p.a.)
Rs. 300 3.50% NIL Rs. 299

Documents Required:

Identity Proof Address Proof Income proof
  • PAN Card
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Rent agreement
  • Utility bills
  • Municipal or property tax receipt
  • House allotment letter issued by central or state government
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.
  • For self-employed individuals - Later ITR (Income Tax Return).

How To Apply?

You can apply for Kotak Mahindra Bank credit cards either by visiting the nearest branch or by the online method as follows:

  • Keep your documents handy.
  • Go to https://www.kotak.com/en/home.html.
  • Choose the credit card you want to apply for.
  • Click ‘Apply Now.’
  • You will be redirected to an application form that you need to fill carefully.
  • Complete all the formalities as instructed by the bank’s website.

Kotak Mahindra Bank Application Status

To track your application status, go to:

https://www.kotak.com/en/transaction-services/track-application.html, then select product ‘credit card’ and enter your application number or form number, then click on the submit button. Your application status will reflect upon your screen.

Customer Care

  • Kotak Mahindra Bank provides priority assistance with ‘KASSIST’ to its credit card members.
  • If you have any queries, send an SMS: KASSIST to 5676788 during office hours i.e., between 10 am to 6 pm from Monday to Saturday, and the bank officials will get in touch with you within 30 minutes.
  • You can also call on the helpline number 1860 266 2666 for credit card-related services. (available 24×7)
  • To report the loss of the card, call on 1800 209 0000 (24×7 operational toll-free number).

 

FAQs:

No, only Privy League Signature Credit Card, Zen Signature Credit Card, and Royale Signature Credit Card provide complimentary lounge access from the above mentioned cards.

No, you will not be charged any redemption fee while redeeming your reward points on any of these above mentioned cards.

Yes, on Privy League Signature Credit Card, Zen Signature Credit Card, Royale Signature Credit Card, and League Platinum Credit Card, your renewal fee will be waived off on achieving the milestone spending. Apart from these cards no other cards listed above provide a spend based waiver.

You can easily check your application anywhere and at any time. You just have to click on the given link https://www.kotak.com/en/transaction-services/track-application.html and fill the required fields like application number or form number and your application status will be reflected on your screen.

Yes, you can apply online for a Kotak Mahindra Bank Credit Card through your phone by going on to the official website and selecting the card you wish to apply for. Click on ‘apply now’ and you’ll be asked whether you’re an existing customer or a new applicant.

You can provide any one from Aadhar card, voter id, passport, driving license, etc. as address proof to get a card issued from the Kotak Mahindra Bank.

You can either block your card by logging in to net banking or by logging in to mobile banking. After that go to service request under credit card and report lost/damaged card. You can also send an SMS: KCCLOST(space)(last four digits of credit card number) from your registered number to 5676788 (standard SMS charges applicable). If you still face any problem in blocking your credit card you can visit the below-given link:

https://www.kotak.com/en/customer-service/contact-us/phone-banking.html.

Every card has its own salary or income requirement. Sometimes, these requirements are based on the sole discretion of the bank. It can differ from individual to individual. However, while applying for a credit card from the online portal you will find the eligibility criteria in card descriptions which will help you make an informed decision.

Depending on your payment due date the interest free period can range from 18-48 days to 21-51 days with all Kotak Mahindra Bank credit cards.

Kotak Mahindra bank do not charge any add-on card fee on these credit cards: Privy League Signature Credit Card, Zen Signature Credit Card, Royale Signature Credit Card, League Platinum Credit Card, and 811 #DreamDifferent Credit Card.

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