Minimum Income | Annual Fee – 1st Year | Annual Fee – 2nd Year Onwards | Special Benefits | Other Important Benefits | |
---|---|---|---|---|---|
Kotak IndiGo 6E Rewards XL Credit Card APPLY NOW |
Not specified |
₹2500 (₹1500 as a special introductory offer) |
₹2500 |
6% benefit on Indigo spends
|
Complimentary airport lounge access – upto 2 times per quarter |
Myntra Kotak Credit Card APPLY NOW |
Not specified |
Fee : ₹500 Offer : ₹500 Myntra voucher , upon first card transaction |
Fee : ₹500 Offer : Fee waived at ₹2 lakh annual card spend |
7.50% discount on all Myntra purchases. 5% cashback on Swiggy Instamart (grocery) || Swiggy || PVR || Cleartrip || Urban Company – only on combined total purchases upto ₹20,000 per month. |
Complimentary airport lounge access in India – 1 per quarter. |
Kotak Bank #811 Dream Different Credit Card APPLY NOW |
Not applicable, since the card is issued against fixed deposit |
Fee : ₹0 Offer : Welcome offer worth ₹125 |
₹0 |
Zero annual fee. No income proof and no credit score required since card is issued against security of your fixed deposit. |
Rail surcharge waiver & fuel surcharge waiver |
Kotak White Credit Card APPLY NOW |
₹25 lakhs per year |
Fee : ₹3000 Offer : Welcome offer worth ₹1500 |
Fee : ₹3000 Offer : Fee waived at ₹5 lakhs annual card spend |
Upto 2.25% benefit on all card spends |
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year) |
IndianOil Kotak Credit Card APPLY NOW |
Not specified |
Fee : ₹499 Offer : Welcome offer worth ₹250 |
Fee : ₹499 Offer : Fee waived, if you spend ₹50,000 or more in the previous year |
5% benefit rate on IndianOil fuel purchases – only on purchases upto ₹7,500 per month |
Personal concierge service & personal accident insurance |
Minimum Income | Annual Fee – 1st Year | Annual Fee – 2nd Year Onwards | Special Benefits | Other Important Benefits | |
---|---|---|---|---|---|
Kotak IndiGo 6E Rewards XL Credit Card APPLY NOW |
Not specified |
₹2500 (₹1500 as a special introductory offer) |
₹2500 |
6% benefit on Indigo spends
|
Complimentary airport lounge access – upto 2 times per quarter |
Myntra Kotak Credit Card APPLY NOW |
Not specified |
Fee : ₹500 Offer : ₹500 Myntra voucher , upon first card transaction |
Fee : ₹500 Offer : Fee waived at ₹2 lakh annual card spend |
7.50% discount on all Myntra purchases. 5% cashback on Swiggy Instamart (grocery) || Swiggy || PVR || Cleartrip || Urban Company – only on combined total purchases upto ₹20,000 per month. |
Complimentary airport lounge access in India – 1 per quarter. |
Kotak Bank #811 Dream Different Credit Card APPLY NOW |
Not applicable, since the card is issued against fixed deposit |
Fee : ₹0 Offer : Welcome offer worth ₹125 |
₹0 |
Zero annual fee. No income proof and no credit score required since card is issued against security of your fixed deposit. |
Rail surcharge waiver & fuel surcharge waiver |
Kotak White Credit Card APPLY NOW |
₹25 lakhs per year |
Fee : ₹3000 Offer : Welcome offer worth ₹1500 |
Fee : ₹3000 Offer : Fee waived at ₹5 lakhs annual card spend |
Upto 2.25% benefit on all card spends |
Complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year) |
IndianOil Kotak Credit Card APPLY NOW |
Not specified |
Fee : ₹499 Offer : Welcome offer worth ₹250 |
Fee : ₹499 Offer : Fee waived, if you spend ₹50,000 or more in the previous year |
5% benefit rate on IndianOil fuel purchases – only on purchases upto ₹7,500 per month |
Personal concierge service & personal accident insurance |
₹2500
Welcome offer of over ₹4000
Not specified
6% benefit on Indigo spends : You earn 6 reward points (called 6E reward points) worth ₹6 , on every ₹100 you spend at Indigo. One 6E reward point = ₹1. Not valid on group, c
Benefits
– Attractive benefit rate of 6% on Indigo spends
– Good benefit rate of 2% on grocery purchases, dining expenditure and entertainment spends
– Good welcome offers worth over ₹4000
– Complimentary airport lounge access in India (2 per quarter)
Drawbacks to consider
– No renewal offer, so this card makes senses only if you fly frequently on Indigo
₹500
✓ Welcome offer : You get a ₹500 Myntra Voucher , when you complete 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.
Not specified
7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases , on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is â
Benefits
– 7.50% discount on Myntra.
– The card also offers 5% cashback on 5 select partners, covering a wide range of services.
– The card is virtually free from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year. If you use your card on all the promotion categories on offer, you can achieve this spend target, along with good discounts and cashback.
– Lifestyle benefits such as complimentary domestic airport lounge access
Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback, hence this card can be used only as a specialist card for these partners.
₹0
✓ Welcome offer worth ₹125
Not applicable, since the card is issued against fixed deposit
Fixed Deposit based Card / instant approval card : Credit card issued against your fixed deposit, for customers between 18 years and 75 years of age :
– For Non-811 saving
Benefits
– The card is lifetime free
– It is issued against a fixed deposit (secured card) and is ideal for building credit history. Hence it is an ideal card for those with no credit history or those whose credit history is not very good. And is also ideal for those who do not meet the income criteria. Like students, housewives etc.
– If you meet the milestone benefit, you can get over 1% benefit rate on all spends, which is quite good for an entry level free card
– In addition to fuel surcharge waiver, cardholders also get railway surcharge waivers ranging between 1.8% (on the IRCTC website) and 2.5% (on Indian railway booking counters)
Drawbacks to consider
– Benefits on beginner secured cards can be lower than other credit cards
₹3000
✓ Welcome offer : You get a ₹1500 voucher , upon spending ₹30,000 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.
₹25 lakhs per year
Benefits
– You can get over 2% reward rate on all spends through the milestone based White Pass program
– Rewards are given on all spends, unlike some specialist credit cards where you get accelerated rewards at specific partners and/or on specific card spend categories.
– You get complimentary access to airport lounges both in India and abroad
Drawbacks to consider
– You can get better rewards with other cards available in the marketplace
₹499
✓ Welcome offer worth ₹250 : You get 1000 reward points worth ₹250, on spending ₹500 within 30 days of card issuanceÂ
✓ Renewal offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.
Not specified
5% earning on fuel purchases
– 4% earning on IndianOil (IOCL) fuel purchases : You earn 16 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets R
Benefits
– Attractive benefit rate of 5% on monthly fuel purchases
– Good benefit rate of 2% on grocery purchases & dining expenditure
– Annual spend target to get renewal fees waived off is not very high (₹50,000). 1st year annual fee is also partially covered by welcome benefits.
– Lifestyle benefits such as personal concierge
Drawbacks to consider
– Cardholders are restricted to IndianOil pumps , to avail special fuel benefits
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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.