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While some Kotak Mahindra credit cards offer all-round or generic benefits across one or multiple lifestyle categories, others are co-branded with leading brands like Myntra, PVR, IndianOil, and IndiGo. Additionally, all cards are feature-loaded with perks like no-cost EMIs, convenient payments, hassle-free rewards tracking, and quick approval. Read on to find out more about features and benefits of Kotak Mahindra Credit Cards.
Top 10 Kotak Mahindra Bank Credit Cards in 2025
The bank offers multiple credit card options across varying lifestyle categories—shopping, dining, movies, bill payments, etc. Here we have listed the top 10 recommendations for choosing the best Kotak credit card.
Kotak Solitaire Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹25000
10 Air Miles per Rs. 100 spent on travel bookings on Kotak Unbox
Unlimited lounge access with up to 4 guest visits in a year
Product Details
- 3 Air Miles per Rs. 100 spent on other purchase categories
- Air Miles redemption ratio of up to 1:1
- Zero forex mark-up charges on international transactions
- Free 3rd night stay and 50% off on 2nd night at ITC Hotels, Elivaas Villas & Alaya Stays
- 1% fuel surcharge waiver, up to Rs. 10,000 per year, on fuel spends of Rs. 400 to Rs. 7,500
IndiGo Kotak XL Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
Up to 21 IndiGo BluChips per Rs. 100 on IndiGo spends
IndiGo BluChip vouchers worth Rs. 16,000 every year
Product Details
- 2 complimentary domestic lounge visits per quarter
- IndiGo BluChips voucher worth Rs. 4,000 and a 6E Eats voucher as renewal benefits
Kotak Air+ Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
5% back as Air Miles on travel spends on Kotak Unbox
4 domestic and 2 international lounge access per year
Product Details
- 2 Air Miles per Rs. 100 spent on other purchases; 1 Air Mile = Up to Rs. 1
- 2,500 Air Miles on joining and renewal fee payments every year
- 2% foreign currency exchange fee
IndiGo Kotak Credit Card
Joining fee: ₹1500
Annual/Renewal Fee: ₹1500
Up to 19 IndiGo BluChips per Rs. 100 spent on IndiGo flight bookings
Vouchers of up to 10,000 bonus BluChips per year
Product Details
- Unlimited 2 IndiGo BluChips per Rs. 100 spent on dining and entertainment spends
- Unlimited 1 IndiGo BluChip per Rs. 100 spent on other categories, including UPI spends with RuPay variant
- Voucher worth 2,500 IndiGo BluChips on joining fee payment
- Voucher worth 2,500 IndiGo BluChips on annual fee payment
- 1 voucher of 2,500 BluChips each on reaching Rs. 1.25 lakh, Rs. 2.5 lakh and Rs. 6 lakh annual spends respectively
Kotak Zen Signature Credit Card
Joining fee: ₹1500
Annual/Renewal Fee: ₹1500
10 Zen points per Rs. 150 shopping spends, 5 points on others
3 international Priority Pass & 8 domestic Dream Folks lounge visits per year
Product Details
- 1,500 Zen points as joining bonus
- 7,500 Zen points on spending more than Rs. 3 lakh in a year
- 15,000 Zen points on spending more than Rs. 6 lakh in a year
- Railway surcharge waiver of 1.8% on website & 2.5% on counter bookings, up to Rs. 500 per year
- 1% fuel surcharge waiver, up to Rs. 3,500 per year, on fuel spends of Rs. 500 to Rs. 3,000
Kotak Mojo Platinum Credit Card
Joining fee: ₹1000
Annual/Renewal Fee: ₹1000
5X rewards on online shopping spends
Up to 8 complimentary domestic lounge visits in a year
Product Details
- 5 Mojo points per Rs. 100 for all online spends
- 1 Mojo point per Rs. 100 on all other spends: 1 reward point = Up to Rs. 0.40
- Milestone benefits worth Rs. 1,000 on spending Rs. 75,000 in a quarter
- Up to 2.5% railway surcharge waiver on Indian Railways bookings
- Annual fee waiver on Rs. 1 lakh annual spends
Kotak Cashback+ Credit Card
Joining fee: ₹750
Annual/Renewal Fee: ₹750
5% cashback on online groceries, food delivery and online entertainment
3% cashback on fuel spends across all fuel stations
Product Details
- 5% cashback on online groceries and food delivery
- 5% cashback on online entertainment including movie ticket booking, OTT subscriptions and more
- 3% cashback on fuel spends across all fuel stations, regardless of brand
- 0.5% unlimited cashback across all other eligible spends
- 1% fuel surcharge waiver on transaction value of Rs. 500 to Rs. 4,000
IndianOil Kotak Credit Card
Joining fee: ₹449
Annual/Renewal Fee: ₹449
Up to 4.2% savings on card spends made on IndianOil fuel
1.6% back as 12 reward points per Rs. 150 dining and grocery spend
Product Details
- Save 3.2% as 24 reward points per Rs. 150 IndianOil fuel spend
- 1% fuel surcharge waiver of up to Rs. 100 per month on IOCL fuel spends between Rs. 100 to Rs. 5,000
- 3 reward points per Rs. 150 spent on others; 1,000 reward points on making a spend of min. Rs. 500 in the 1st month
- 1 RP = Rs. 0.20; 1 XTRAREWARDS = Rs. 0.30
- Annual fee waived off on Rs. 50,000 annual spends
PVR INOX Kotak Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹499
Free movie tickets worth Rs. 300 each every month
Flat 20% off on food & beverages at PVR
Product Details
- Flat 5% off on movie tickets at PVR INOX theatre, app & website
- Flat 20% on food and beverages at PVR INOX theatre, app & website
- Complimentary access to premium PVR INOX in-cinema lounges
- 1 free PVR INOX movie ticket worth Rs. 300 each on every Rs. 10,000 spent in a cycle
Kotak League Platinum Credit Card
Joining fee: ₹499
Annual/Renewal Fee: ₹499
2X reward points on select travel and day-to-day spends
Welcome benefits worth the joining fee
Product Details
- Up to 8 free movie tickets every year as milestone benefits
- 8 reward points per Rs. 150 spent on select travel and everyday categories
- Exclusive assistant services for League Platinum cardholders