- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
4 RPs/₹100 for Online Spends and 1 RP/₹100 Spent Elsewhere
Welcome Benefits
500 Bonus Reward Points
Kotak Mahindra Bank Lifetime Free Credit Cards
- Updated On: 5 January, 2026
The Kotak Mahindra Bank has over 50 lakh credit card holders in our country, with more than 300 branches spread all across the country. To fulfill people’s needs and requirements, the bank offers different products like life insurance, mutual funds, stockbroking, etc. The bank also has an admirable range of credit cards across various categories with exceptional benefits and features.
Kotak Mahindra Bank launched credit cards in 2008, and their portfolio includes super-premium, travel, fuel, and even lifetime-free credit cards. If you are new to credit, instead of premium cards with high fees and top-end features, you should go for a lifetime free or low annual fee credit card that helps you build a better credit score.
In this article, we will talk about Kotak Mahindra Bank’s lifetime free credit cards and other variants that charge a low, nominal annual fee.
Table of Contents
Best Kotak Mahindra Bank LTF Credit Cards
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
Earn 3 Reward Points Per Rs. 100 Spent
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards Type
Rewards Rate
Up to 1% cashback on monthly spends above Rs. 10,000 with this card.
Welcome Benefits
Rs. 500 cashback on making a single transaction worth Rs. 10,000 or more within the first 30 days.
Kotak Mahindra Bank Credit Cards – Joining Fee Below Rs. 500
Discontinued
- Joining Fee₹500 + GST
- Annual Fee₹500 + GST
- Best Suited ForShopping | Food
- Rewards TypeCashback
Rewards Rate
7.5% discount on Myntra spends, 5% cashback on partner brands, 1.25% cash back on other spends
Welcome Benefits
Myntra voucher worth Rs. 500 on making 1 transaction above Rs. 500 inside 30 days of card issuance
- Joining FeeRs. 449 + GST
- Annual FeeRs. 449 + GST
- Best Suited ForFuel
- Rewards TypeReward Points
Rewards Rate
Get 24 Reward Points on every Rs. 150 spent on fuel. Get 12 Reward Points on every Rs. 150 spent on grocery and dining. Get 3 Reward Points on every Rs. 150 spent on other transactions.
Welcome Benefits
Get 1000 Reward Points on spending Rs. 500 or more within 30 days of getting the card
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
N/A
Know About LTF Credit Cards by Kotak Mahindra Bank
Lifetime free credit cards by Kotak Mahindra come without any annual or joining fees. These cards are perfect for people who are not looking for elite-level privileges and rewards and want an entry-level card to help develop their credit score and build good credit utilization habits.
The following are the top Kotak Mahindra Bank Lifetime Free credit cards that you can get–
Kotak 811 #DreamDifferent Credit Card
The Kotak 811 Dream Different secured credit card and you have to make a fixed deposit with the bank to get the card. It is a lifetime free offering and does not charge any joining or annual fee from the cardholder, and even offers reward points as a welcome benefit. You earn 1 reward point on every Rs. 100 spent with the card and 2x reward points on your online spends. You can even reward points as milestone benefits and redeem the points easily against a host of choices. Other benefits of the card include movie tickets, cashback, fuel surcharge waiver, etc.
- Secured lifetime free credit card without any joining or annual fee
- 1 RP per Rs. 100 spent and 2x RPs on online spends
- Bonus 500 reward points as a welcome benefit
- Bonus reward points on reaching the spend milestones
- 4 complimentary PVR movie tickets per year
- 1% fuel surcharge waiver
- 8% railway surcharge waiver on IRCTC website booking and 2.5% waiver on bookings at railway counters
Kotak Mahindra Bank UPI RuPay Credit Card
The Kotak UPI RuPay Credit Card allows you to make secure payments with your UPI application. Simply link your Kotak UPI RuPay Credit Card with your preferred UPI app such as Google Pay, PhonePe, BHIM, Slice, Paytm, or any other app, and you can securely make transactions on the go. RuPay Credit Cards have become increasingly popular in India because they can be linked with UPI apps, unlike other network cards. There are no joining or annual charges when you apply for this card.
Metro Kotak Credit Card
The Metro Kotak credit card is a great choice for hotel owners, caterers, and Kirana store owners, and it comes free for life with no joining or annual fees. The card is co-branded by Metro Wholesale and Kotak Mahindra Bank and is exclusively for people who shop at Metro Wholesale for their stores or businesses. You must have a Metro membership to be eligible for this card, and it offers 1% cashback up to Rs. 10000 per statement cycle on your spends. One thing you must know is that you cannot make fuel or international spends with this credit card as it is for Metro Wholesale purchases exclusively.
- Lifetime free credit card without any joining or annual fee
- The card is exclusively for Metro Wholesale members
- Up to Rs. 500 cashback on making a single transaction of more than Rs. 10,000 within 30 days
- 1% cashback on monthly spends of Rs. 5 Lakhs and more
- 25-0.5% cashback on monthly spends of less than Rs. 5 Lakhs
Kotak Credit Cards Under Rs. 500
Other than the lifetime free cards by Kotak Mahindra Bank, several other affordable cards have a joining fee of Rs. 500 or less than that. Let’s take a look at these credit cards –
Myntra Kotak Credit Card
The Myntra Kotak credit card is a co-branded fashion card launched recently by Kotak Mahindra Bank and fashion e-commerce giant Myntra. The card is made for young professionals who regularly shop at Myntra and are fashion enthusiasts. You can get an instant 7.5% discount on all spends made at Myntra, along with 5% cashback on partner brands and 1.25% cashback elsewhere. As a welcome benefit, the card offers a Rs. 500 Myntra voucher and a complimentary Myntra Insider membership. Even though the card has a low joining fee of Rs. 500, it still offers lounge access and a host of other milestone benefits to the cardholder.
- 500 worth of Myntra vouchers on 1 transaction above Rs. 500 within 30 days
- Instant 7.5% discount on Myntra spends
- 5% cash back at partner brands and 1.25% cash back elsewhere
- Complimentary Myntra Insider program membership
- Complimentary domestic lounge access per quarter
- 2 complimentary PVR tickets on spending Rs. 50,000 per quarter
- 1% fuel surcharge waiver and spend-based renewal fee waiver
IndianOil Kotak Credit Card
Kotak Mahindra Bank and Indian Oil partnered to launch their co-branded IndianOil Kotak fuel credit card that comes at a joining fee of Rs. 449. It is an entry-level credit card that is perfect for people who regularly refuel their vehicles and are new to the credit card industry. Cardholders are rewarded every time they refuel their vehicles at Indian Oil outlets across the country and also on their dining, grocery, and some other spends with the card. The card offers you a chance to earn up to 60 liters of fuel every year free of cost.
- 1000 reward points as a welcome benefit on spending Rs. 500 within 30 days
- 24 reward points per Rs. 150 spent at IndianOil outlets and 12 reward points per Rs. 150 on dining and grocery
- 3 reward points per Rs. 150 spent elsewhere
- Personal accident insurance cover of up to Rs. 2 Lakhs
- 1% fuel surcharge waiver and spend-based annual fee waiver
Kotak League Platinum Credit Card
The Kotak League Platinum credit card is another decent offering by Kotak Mahindra Bank that provides several benefits and rewards on your spends. When you pay the Rs. 500 joining fee of this card, you receive a Rs. 500 worth movie voucher as a welcome benefit. Also, when you spend Rs. 1,25,000 per six months, you get 4 complimentary PVR movie tickets or up to 10,000 bonus reward points. Other than this, the Kotak League Platinum credit card is packed with features like railway surcharge waiver, fuel surcharge waiver, spend-based renewal fee waiver, and more.
- 500 worth of movie vouchers on paying the joining fee
- 8x reward points on spending Rs. 2 Lakhs or more annually on special categories
- 4x reward points on all other categories
- Complimentary 4 PVR movie tickets or bonus 10,000 RPs on spends of Rs. 1,25,000 or more in six months
- Zero liability protection cover worth Rs. 1,25,000
- 1% fuel surcharge waiver and spend-based annual fee waiver
How to Apply for Kotak Mahindra Bank Lifetime Free Credit Cards
Follow these steps to apply for Kotak Mahindra Bank credit cards:
- Click on the Apply Now button next to the credit card you want to apply for.
- Fill out the application for your new credit card.
- Submit your application.
- Wait for approval of your credit.
Bottom Line
Kotak Mahindra Bank has a nice catalog of credit cards ranging from premium to entry-level cards. If you are someone new to the credit scene who does not want elite-level features and is looking for a beginner credit card to build your credit score and history, then consider going for a Kotak Mahindra lifetime free credit card.
You can use these credit cards to begin your credit journey before moving on to better, premium credit cards. Multiple Kotak Mahindra credit cards are also available at a low, nominal joining fee of Rs. 500 or less. Head over to the comments and let us know if you plan on applying for any of the Kotak Mahindra lifetime free credit cards.
FAQs:
Which are the lifetime free credit cards offered by Kotak Mahindra Bank?
Kotak Mahindra Bank has some lifetime free credit cards in their portfolio that do not charge any joining or annual fees from the cardholders. These cards are – the Kotak 811 #DreamDifferent Credit Card, the Kotak Mahindra Bank UPI RuPay Credit Card, and the Metro Kotak Credit Card.
Which Kotak Mahindra Bank credit cards offer a spend-based annual fee waiver?
The following Kotak credit cards offer a spend-based annual fee waiver – Kotak Privy League Signature Credit Card, Kotak Zen Signature Credit Card, Kotak League Platinum Credit Card, Kotak Royale Signature Credit Card, Indian Oil Kotak Credit Card, and Kotak 811 Credit Card.