BEST FOR FUEL PURCHASES UPTO ₹7500 PER MONTH

IndianOil Kotak Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on IndianOil fuel purchases, only on purchases upto ₹7500 per month
2%
Benefit on grocery purchases & dining spends, only on total spends upto ₹10,000 per month
✔︎
Personal concierge services
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250, on spending ₹500 within 30 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.

LIFETIME FREE BEGINNER CARD, ISSUED AGAINST FIXED DEPOSIT

Kotak Bank #811 Dream Different Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card
✔︎
UPI enabled card
✔︎
Fixed deposit based card – no income proof required || instant approval card
✔︎
Rail surcharge waiver (upto ₹500 per year) & fuel surcharge waiver (upto ₹3500 per year)
Annual Fee

₹0

Minimum Income

Not applicable, since the card is issued against fixed deposit

Annual Fee Offers
  • Welcome offer worth ₹1000

SPECIAL REWARDS AT MYNTRA || SELECT TRAVEL & SHOPPING PARTNERS. UPI ENABLED CARD

Myntra Kotak Credit Card

Our Rating 4.0
Top Reasons to Choose
7.50%
Discount on Myntra purchases, on all Myntra transactions upto ₹10,000
5%
Cashback on Swiggy Instamart (grocery) || Swiggy || PVR || Cleartrip || Urban Company – on total purchases upto ₹20,000 per month
Upto 1%
Additional benefits : 2 complimentary PVR tickets worth ₹250 each, at quarterly card spend of over ₹50,000
✔︎
Complimentary airport lounge access in India – 1 per quarter
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : ₹500 Myntra voucher, on doing a card transaction of ₹500 or more within 30 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year

PREMIUM CARD, WITH A RANGE OF LIFESTYLE BENEFITS

Kotak White Reserve Credit Card

Our Rating 3.75
Top Reasons to Choose
Upto 2.50%
Reward by reaching annual card spend targets
✔︎
Unlimited complimentary access to airport lounges both in India and abroad
✔︎
Complimentary golf across the world - 2 free golf rounds per month
Annual Fee

₹12500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Complimentary Marriott membership, with many stay & dining benefits
  • Renewal offer : Annual fee is not charged from the second year onwards, if you spend ₹10 lakhs or more in the previous year.

MOVIE CARD, BEST FOR FOR REGULAR PVR MOVIE GOERS

PVR Kotak Platinum Credit Card

Our Rating 3.75
Top Reasons to Choose
Upto 8%
2 free PVR ticket (upto ₹400) - on monthly card spend of ₹10,000
15%
Benefit on PVR food & beverages purchases
5%
Benefit on PVR movie ticket purchases
Annual Fee

₹999

Minimum Income

Not specified

Annual Fee Offers
  • Nil

MOVIE CARD, BEST FOR FOR REGULAR PVR MOVIE GOERS

PVR Kotak Gold Credit Card

Our Rating 3.50
Top Reasons to Choose
Upto 4%
1 free PVR ticket (upto ₹400) - on monthly card spend of ₹10,000
Upto 5.3%
2 free PVR tickets (upto ₹400 each) - on monthly card spend of ₹15,000
15%
Benefit on PVR food & beverages purchases
5%
Benefit on PVR movie ticket purchases
Annual Fee

₹499

Minimum Income

Not specified

Annual Fee Offers
  • Nil

PREMIUM CARD FROM KOTAK MAHINDRA

Kotak White Credit Card

Our Rating 3.75
Top Reasons to Choose
Upto 2.25%
Rewards by reaching specified annual card spend requirements
✔︎
Complimentary access to international airport lounges - 4 times per year
✔︎
Complimentary access to domestic airport lounges - 2 times per quarter
Annual Fee

₹3000

Minimum Income

₹25 lakhs per year

Annual Fee Offers
  • Welcome offer : ₹1500 voucher, upon spending ₹30000 within 60 days of setting up your card
  • Renewal offer : Annual fee is not charged from the second year onwards if you spend ₹5 lakhs or more in the previous year

STARTER CARD FROM KOTAK

Kotak 811 Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Annual fee from the 2nd year onwards is waived, at ₹50,000 yearly card spend
✔︎
Additional milestone benefits - ₹750 OR 4 PVR tickets at ₹75000 yearly card spend
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 500 reward points worth ₹125, if you spend ₹5000 or more within 45 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year.

GOOD CARD FOR FREQUENT INDIGO FLYERS

Kotak IndiGo 6E Rewards Credit Card

Our Rating 3.50
Top Reasons to Choose
3%
Reward on Indigo spends
2%
Reward on grocery purchases, dining and entertainment spends
✔︎
Complimentary airport lounge access - upto 2 times per quarter
Annual Fee

₹700

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Welcome ticket voucher worth ₹1500, on doing a minimum of 3 card transactions each month, for the first 3 months.
  • Renewal offer : ‘6E Prime-Add-on’ worth ₹899, which gives you various benefits including a priority check-in, complimentary meal, seat selection and assistance.

BEST FOR INDIGO FREQUENT FLYERS

Kotak IndiGo 6E Rewards XL Credit Card

Our Rating 4.0
Top Reasons to Choose
6%
Reward on Indigo spends
3%
Reward on grocery purchases, dining and entertainment spends
2%
Reward on all other card spends
✔︎
Complimentary airport lounge access - 2 times per quarter
Annual Fee

₹2500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Welcome ticket voucher worth ₹3000 (on doing a minimum of 3 card transactions each month, for the first 3 months).
  • Renewal offer : ‘6E Prime-Add-on’ worth ₹899, which gives you various benefits including priority check-in, complimentary meal, seat selection and assistance.

STARTER CARD FROM KOTAK

Kotak League Platinum Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Complimentary airport lounge access in India - 2 times per quarter
✔︎
Low annual card spend requirement of ₹50,000 to get an annual fee waiver
Annual Fee

₹499

Minimum Income

₹5 lakh per year

Annual Fee Offers
  • Welcome offer : You get reward points worth ₹500, on payment of joining fee.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year.

BEST FOR COMPLIMENTARY ACCESS TO AIRPORT LOUNGES IN INDIA

Kotak Mojo Platinum Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Complimentary airport lounge access in India - 2 per quarter
✔︎
Fuel surcharge waiver upto ₹3500 per year
Annual Fee

₹1000

Minimum Income

₹4 lakhs per year

Annual Fee Offers
  • Welcome offer : Joining fee waived off, at ₹30000 card spend within 90 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year.

EXCLUSIVE CARD FOR NRIs, ISSUED AGAINST FIXED DEPOSIT

Kotak NRI Royale Signature Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
Card for NRIs : No income proof and credit history in India required since the card is issued against a fixed deposit
✔︎
Complimentary airport lounge access in India - 2 per quarter
2%
Benefit on international card spends
Annual Fee

₹1000

Minimum Income

Not specified

Annual Fee Offers
  • Nil

BEST FOR COMPLIMENTARY DOMESTIC AIRPORT LOUNGE ACCESS

Kotak Royale Signature Credit Card

Our Rating
Top Reasons to Choose
✔︎
Complimentary airport lounge access in India - 2 per quarter
Annual Fee

₹999

Minimum Income

₹24 lakhs per year

Annual Fee Offers
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year.

ENTRY LEVEL CARD - LOW MINIMUM INCOME REQUIREMENTS || ANNUAL FEE WAIVER AT ₹15000 YEARLY CARD SPEND

Kotak Urbane Gold Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Low minimum income requirement of ₹3 lakhs per year
✔︎
Low annual fee of ₹199
✔︎
Low annual card spend target of ₹15000, to get annual fee waiver and make the card virtually free
Upto 1.9%
Benefit on all card spends, including milestone benefits achieved at ₹1 lakh yearly card spend
Annual Fee

₹199

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹15000 or more in the previous year.

SHOPPING CARD, WITH COMPLIMENTARY AIRPORT LOUNGE ACCESS BOTH IN INDIA AND ABROAD

Kotak Zen Signature Credit Card

Our Rating 3.50
Top Reasons to Choose
1.66%
Benefit on shopping - Department stores || Jewellery || Apparels || Lifestyle goods
Upto 0.6%
Additional benefits at ₹3 lakh annual card spend OR ₹6 lakh annual card spend
✔︎
Complimentary access to airport lounges outside India - 3 per year
✔︎
Complimentary access to airport lounges in India - 2 per quarter
✔︎
Fuel surcharge waiver upto ₹3500 per year || Railway surcharge waiver upto ₹500 per year
Annual Fee

₹1500

Minimum Income

₹4.80 lakhs per year

Annual Fee Offers
  • Welcome offer : Reward points worth ₹375, on payment of joining fee.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

Different Types of Kotak Credit Cards

Kotak premium credit cards - Kotak White Reserve Credit Card, Kotak White Credit Card

Kotak travel credit cards - Kotak IndiGo 6E Rewards XL Credit Card, Kotak IndiGo 6E Rewards Credit Card

Kotak shopping credit cards - Myntra Kotak Credit Card

Kotak fixed deposit based cards - Kotak Bank #811 Dream Different Credit Card

Kotak fuel credit card - IndianOil Kotak Credit Card

Kotak lifetime free credit cards - Kotak Bank #811 Dream Different Credit Card

Kotak movie cards - PVR Kotak Platinum Credit Card, PVR Kotak Gold Credit Card

How can I apply for a Kotak Credit Card? 

You can apply for a Kotak Credit Card online or offline.

Kotak Credit Card - Apply Online 

You can apply for a Kotak Credit Card online, by clicking the APPLY NOW button provided against each of the Kotak Credit Cards on this page. You shall be taken to the Kotak credit card application page on the Kotak website. 

You can also visit the official website of Kotak Mahindra Bank, and fill out the respective credit card application form. 

The Kotak Credit Card online process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your virtual card immediately, and the physical card in a few working days.

Kotak Credit Card - Apply Offline 

You can also visit any of the nearest branches of Kotak Mahindra Bank, and talk to an executive regarding the process. They shall help you complete the credit card application process. 

Eligibility criteria for getting a Kotak Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the Kotak Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Age : 18 years to 65 years
  • Income : Some Kotak Credit Cards specify the minimum income requirements, while some do not
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for a Kotak Credit Card

Some of the basic documents required are-

For salaried employees :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one)
– Income proof : Salary slips, Form 16, income tax returns (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

For self-employed professionals :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one)
– Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my Kotak Credit Card application? 

After you have applied for a Kotak credit card, you can track your credit card application status by clicking here – Kotak Credit Card Application Status

You need to enter some basic personal details like mobile number, date of birth, application number.

Kotak customer care number

Please click here to see all options on how to contact the bank.

Kotak Credit Card Fees & Charges

Please find below some important fees and charges of Kotak Credit Cards

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest charges

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section.

Cash withdrawals

You can use your Kotak Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all Kotak Mahindra Bank Credit Cards, please click here – Kotak Mahindra Bank Credit Card Fees & Charges

Best Credit Cards in India

Please see below some of the best credit cards on offer-

Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards