Kotak Mahindra Bank Credit Cards

List of Best Kotak Mahindra Credit Cards

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 one. 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:

Kotak Bank Credit Cards Features and Benefits

Kotak Mahindra offers 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. The following are the general features and benefits that you can enjoy with the Kotak Mahindra Credit Cards:

• Welcome Benefits: On joining the card membership, you get tons of welcome benefits associated with the Kotak Mahindra Cards. These benefits can be of different types, like complimentary premium memberships, gift vouchers, bonus reward points, accelerated cashback, and many more. You generally get these benefits after paying the joining fee or on achieving the stipulated milestone spend within a few initial months.
• Rewards/Cashback: The Reward Points/Cashback benefits offered with Kotak Bank Credit Cards are one of their most attractive features, as you are rewarded with reward points or cash back every time you make a transaction using your credit card. The reward rate may vary with different credit cards.
• Milestone Benefits: Milestone benefits are the benefits that are offered to you when you achieve a given minimum spend within a pre-specified time period, which is generally one anniversary year. Similar to the welcome benefits, the milestone benefits can also be in the form of bonus rewards, accelerated cashback, and many more.
• Travel Benefits: Many Kotak Bank Credit Cards come with exclusive travel benefits, which include complimentary lounge access, discount offers on travel-related spends, airline/hotel memberships, and many more. Generally, premium credit cards offer the most exclusive travel benefits.
• Movie & Dining Benefits: Kotak Bank also keeps the entertainment needs of its customers in mind and provides them with several benefits over the same. You can avail of complimentary movie tickets, great discount offers on movies and dining, and many more such privileges.
• Other Benefits: Along with providing exciting benefits over different categories, the Kotak Mahindra Cards also come with various extra advantages, including complimentary Golf games/lessons, insurance benefits, a fuel surcharge waiver, spend-based joining & annual fee waiver, and many more.

Top Kotak Mahindra Bank 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:

Kotak Cashback+ Credit Card

The Kotak Cashback+ Credit Card is a simple entry-level cashback card designed for users with regular online spending habits. The card offers 5% cashback on online food delivery, grocery, and entertainment spends, along with 3% cashback on fuel transactions. All other eligible spends earn unlimited 0.5% cashback. With a low annual fee and straightforward cashback structure, the card is suitable for beginners looking for decent rewards on everyday spending categories.

League Platinum Credit Card

Kotak Mahindra Bank offers you the 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.

PVR INOX Kotak Credit Card

The PVR INOX Kotak Credit Card is a good option for people who frequently watch movies at PVR and INOX cinemas. The card offers free movie tickets on monthly spending milestones, along with discounts on movie tickets and food & beverages at theatres. With low annual charges and entertainment-focused benefits, it is a decent choice for regular movie lovers.

811 #DreamDifferent Credit 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.

Zen Signature Credit Card

The Zen Signature Credit Card is another premium card that the Kotak Mahindra Bank offers. This card provides you with exclusive shopping, travel, and milestone benefits on transactions made on this card. Get 1500 Zen points as welcome benefit 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.

White Reserve Credit Card

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.

Reward Points and Cashback Benefits

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	Rewards
League Platinum	8X Reward Points on Every ₹150 Spent on Special Categories and 4X Reward Points on Other Eligible Spends Up to ₹2 Lakhs. Spends Beyond ₹2 Lakhs Earn 8X Reward Points Only on Special Categories.
Kotak811 Super Money	1% Cashback On UPI Transactions Via Super.Money App
Cashback+	5% Cashback on Online Food, Grocery, and Entertainment. 3% Cashback for Fuel and Unlimited 0.5% Cashback for Other Categories
IndiGo Kotak Credit Card	5 IndiGo BluChips/₹100 Spent on IndiGo and 2 IndiGo BluChips/₹100 Spent on Dining & Entertainment
IndiGo Kotak XL Credit Card	Up to 21 IndiGo BluChips/₹100 Spent on IndiGo Flight Bookings. 2 IndiGo BluChips/₹100 for All Other Spends
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.
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.
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.

Reward Redemption

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 choice.

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 accumulated reward points: Kotak’s PayByPoints program, under which you can redeem your points for shopping at selected partner merchants and brands like Puma and Archies. Different Kotak Credit cards can have different redemption processes and reward point values.

Kotak Bank Credit Cards Eligibility Criteria

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:

• The applicants should be at least 21 years of age.
• The applicant should either be salaried or self-employed with a stable source of income.
• The applicant should have a decent credit history (in the case of unsecured credit cards).

Kotak Credit Cards Annual Fee

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

Other Fees and Charges

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.

How to Apply for Kotak Mahindra Bank Credit Card Online?

Apply for Kotak Mahindra Bank credit cards using online mode or by visiting the nearest branch as follows:

• Keep your documents with you.
• Click on the Apply button.
• On clicking the apply button, you will be redirected to a new webpage. Fill out the application form carefully.
• Fill in the details and submit the application form.

How to Activate Kotak Mahindra Bank Credit Cards?

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 methods mentioned below:

• Activate Kotak Bank Credit Card via a Kotak Bank ATM. Just visit the ATM, insert your card, and look for an option for activation/PIN generation of a new card. Make sure that you have the registered mobile number with you while activating your card.
• You can also reach Kotak Bank Credit Card customer care on their helpline number 1860 266 2666 and ask the bank executives to assist you in activating your credit card.
• One more way to activate your Kotak Bank Credit Card is via internet banking. Log in to your Internet banking account and look for an option for activation or PIN generation of a credit card.
• If you are unable to activate your card using any of the methods mentioned above, you can also visit your closest Kotak Bank branch and ask the bank officials to assist you with the same.

Kotak Credit Cards Customer Care

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:

• For any urgent assistance that you need, you can reach customer care via call at 1860 266 2666.
• You can also contact them via email at [email protected].
• If your doubts still remain unresolved, you can visit your nearest branch.

Which Kotak Bank Credit Card is Best?

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 spending 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.

Discontinued Kotak Credit Cards

The following Kotak Bank Credit Cards are no longer available for new applications.

• 6E Rewards XL – Indigo Kotak Bank Credit Card
• 6E Rewards – Indigo Kotak Bank Credit Card
• Kotak Privy League Signature Credit Card
• Kotak Royale Signature Credit Card
• PVR Kotak Platinum Credit Card
• PVR Kotak Gold Credit Card
• Myntra Kotak Credit Card
• Kotak Urbane Gold Credit Card
• Kotak Veer Select Credit Card
• Kotak Veer Platinum Credit Card
• Kotak Essentia Platinum Credit Card
• Kotak Bank Fortune Gold Card

How to Compare Kotak Credit Cards and Choose The Best One?

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 on a range of the annual fees that you can afford, note down the categories in 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.