Kotak Credit Cards

• Rewards- Up to 4X reward points on every Rs. 150 spent across categories, 4X points on special categories*, 2X on all other categories

*Special Categories are Hotels |Restaurants |Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | International Spends

• Milestone Benefits- Up to 10,000 bonus reward points on annual spends of Rs.4 lakh or more. Spend Rs. 8 Lakh in a year and get 30,000 reward points

• Airport Lounge Access- Complimentary access to Airport Lounges in India 

• Insurance Cover- Protection cover of Rs. 2.5 lakh in case of credit card theft

• Fuel Surcharge Waiver- Applicable on transactions between Rs. 500 and Rs. 3,000

Kotak Royale Signature Credit Card helps you make the most of your travel and shopping expenses by rewarding you for the same. You should opt for this card if you-

• Are ready to pay an annual fee of Rs.999
• Would prefer travel benefits against reward points
• Put most of your expenses on credit cards and would be able to earn maximum rewards

Given below are two similar credit cards from other banks-

• Rewards- 3X reward points for every Rs. 100 on retail spends
• Milestone Benefits- 4 free PVR tickets or 10,000 reward points on spending Rs.1 lakh or more in a year
• Insurance Cover- Protection cover up to Rs. 50,000 in case of theft or loss
• Add on Card- Free add on credit card 
• Rewards Redemption- Minimum 1,000 points required for redemption

Kotak Urbane Gold Credit Card is a rewards credit card well suited for frequent shoppers. You should consider getting this card if you- 

• Want a basic credit card with low annual fee
• Are not looking for any category-specific discount
• Don’t put the majority of your expenses on your credit card

However if you are looking for a credit card with additional benefits, you should have a look at the below mentioned cards-

• Rewards- Up to 8X reward points on every Rs. 150 spent 
• Welcome Benefit- Movie voucher worth Rs. 500 on joining
• Milestone Benefits- 4 free PVR tickets or 10,000 reward points on spends of Rs.1.25 lakh every 6 months
• Insurance Cover- Protection cover up to Rs.1.25 lakh in case of theft or loss
• Fuel Surcharge Waiver- Fuel surcharge waiver up to Rs. 3,500 annually

The Kotak League Platinum Card is a basic credit card that compliments your lifestyle requirements. You should get this card if you-

• Are ready to pay a nominal annual fee of Rs.499
• Are interested in getting movie vouchers and discounts
• Do not put the majority of the expenses on your credit card

However, if not satisfied you can look for other options from different banks as mentioned below-

• Rewards- 2X rewards on spends outside India, 1 reward point for every Rs. 200/- spent within India
• Fuel Surcharge Waiver- Applicable on transactions between Rs. 500 and Rs. 3,000
• Insurance Cover- Protection cover up to Rs.2.50 lakh in case of theft or loss
• Add on Card- Add on card available for spouse, parents or children (above 18 years)
• Lounge Access- Complimentary access to Airport Lounges in India & avail benefits such as gourmet meal, comfortable seating, etc.

Kotak Mahindra NRI Royale Signature Credit Card is designed for Non Resident Indians. Customers get benefits such as accelerated reward points on international spend, lounge access and so on. You should opt for this card if you-

• Are ready to pay an annual fee of Rs.1,000
• Would prefer travel benefits against reward points
• Would prefer earning rewards on shopping both domestically and internationally

You can also look for similar credit cards as mentioned below-

• Savings Points- 10 Saving Points (reward points) for every Rs. 100 you spend at Departmental & Grocery Stores, 1 Saving Point for every Rs. 250 you spend on other categories
• Milestone Benefits-  6 free PVR tickets Or 1,200 Reward Points on spends of Rs.1.25 lakh every 6 months
• Add on card- Free add on credit card 
• Priority Assist- Service called KASSIST to assist you at every step
• Rewards Redemption- Reward points can be used for a host of redemption options like Air Tickets, Movie Tickets, Mobile Recharge / Branded Merchandise etc

With Kotak Essentia Platinum Credit Card you earn Savings Points on all your purchases. You should consider getting this card if you-

• Would prefer earning rewards on all your shopping expenses
• Are willing to pay an annual fee of Rs.749
• Would like to avail movie benefits along with rewards and shopping privileges

You can also consider the below-given alternatives.

• Rewards- 5X reward points on every Rs.150 spent online, 2X reward points for every Rs.150 on other spends
• Fuel Surcharge Waiver- Fuel surcharge to be waived only for transactions between Rs.400 and Rs.3,500
• Insurance Cover- Protection cover up to Rs. 1.25 lakh in case of theft or loss
• Complimentary Add on Card- Free add on credit card
• Milestone Benefits- 10,000 bonus reward points on annual spends of Rs.4 lakh or more

Kotak Mahindra Solaris Platinum Credit Card is specifically designed for online shoppers. You should opt for this card if you-

• Prefer online shopping over going to the store
• Are looking for a basic credit card with nominal annual fee
• Are willing to put major expenses on your card in order to earn additional reward points

You should also have a look at the similar credit cards mentioned below-

• Rewards- 5x  Reward Points on every Rs. 100 spent on Apparels, 1 reward for every Rs. 200 spent on other categories
• Silk Inspired Shield- Protection cover up to Rs.75,000 in case of theft or loss
• Complimentary Add on Card- Free add on credit card
• Milestone Benefits- 4 free PVR tickets or 1000 reward points on spends of Rs.1.25 lakh every 6 months
• Fuel Surcharge Waiver- Fuel Surcharge waiver at any petrol pump across India

Kotak Silk Inspire Credit Card is specially designed for women. You should go for this card if you-

• Are ready to pay an annual fee of Rs. 599
• Frequently shop for apparels
• Are more inclined towards rewards than cashback

However, if not satisfied, you can look for other similar credit cards-

• PVR Rewards- 2 free PVR movie tickets every month on spending Rs.10,000 and above in a monthly billing cycle
• Movie Tickets- 5% Cashback on Movie tickets at PVR Box Office (T&C Apply)
• Food & Beverages- 15% Cashback on Food and Beverages at PVR (T&C Apply)
• Insurance Cover- Protection cover up to Rs.75,000 in case of theft or loss
• Add on card- Free add on credit card 

Kotak Bank PVR Platinum Credit Card is aimed towards movie buffs. You should consider getting this card if you-

• Go to the movies quite often, specifically PVR
• Would be able to enjoy the reward benefits with regular purchases
• Are ready to pay an annual fee of Rs.999

Have a look at similar cards from other popular banks-

• PVR Rewards- 1 free PVR movie tickets every month on spending Rs.10,000 and above in a monthly billing cycle, 2 tickets on spending Rs.15,000
• Movie Tickets- 5% Cashback on Movie tickets at PVR Box Office (T&C Apply)
• Food & Beverages- 15% Cashback on Food and Beverages at PVR (T&C Apply)
• Insurance Cover- Protection cover up to Rs.50,000 in case of theft or loss
• Add on card- Free add on credit card 

Kotak PVR Gold Credit Card is designed for movie lovers. Consider getting this card if you-

• Would like to pay a nominal annual fee of Rs.499
• Go to the movies quite often, specifically PVR
• Are not looking for category specific discounts

Also look for other similar credit cards as mentioned below-

• Dining Discount- 10% cashback on dining on spending a minimum of Rs.10,000 within the billing cycle
• Movie Offer- 10% cashback on movie tickets on spending a minimum of Rs.10,000 within the billing cycle
• Milestone Benefit- 4 free PVR tickets or Rs. 750 cashback on spending Rs.1.25 lakh every 6 months
• Delight Shield-  Protection cover up to Rs.1.25 lakh in case of theft or loss
• Add on card- Free add on credit card 

Kotak Delight Platinum Credit Card is best suited for people seeking both dining and cashback benefits. You should opt for this card if you-

• Want a basic credit card with low annual fee
• Wish to avail movie benefits along with dining
• Are not looking for any category specific discounts

However, if not satisfied you should look for similar credit cards from other popular banks-

• Dining Points- 10 dining points for every 100 spent on Dining (stand-alone outlets ) and Movies 

1 Dining Point= Re.1

• Feast Shield- Protection cover up to Rs.50,000 in case of theft or loss
• Add on card- Free add on credit card 
• Balance Transfer- Processing fee of Rs.349 per Rs.10,000
• Easy Access- Avail easy access anywhere (Coffee Shops | Fast food joints| Pizza joint | Pubs | Restaurants | Movie Theaters)

Kotak Mahindra Feast Gold Credit Card is designed for those who frequently visit restaurants. You should opt for this card if you-

• Are willing to pay an annual fee of Rs.499
• Would like to avail points on movies along with dining
• Would not want to spend much on your credit card

Have a look at similar options from other banks-

• Rewards- Avail the following reward points:
  • 5X Reward Points per Rs.100 on select categories like apparels, grocery, consumer durable, multi-brand online and, departmental stores
  • 5X Reward Points per Rs.100 on select categories like airlines, hotels, duty free, international spends and travel agencies
  • 2X points per Rs.100 on all other retail spends

• Priority Pass- Complimentary Priority Pass Membership and 4 free visits, access to over 1,300 VIP lounges in more than 148 countries and 600 cities worldwide
• Bonus reward points- 6,400 reward points per quarter on spending minimum Rs.1,000 every month
• Low interest rate- Low monthly interest rate of 2.49%
• Concierge Services- Instant Assistance through premium concierge services that include Arranging reservations for hotel and dining, Flight ticketing assistance, Booking tickets for special events and performances, Referral assistance etc.

Kotak Mahindra Privy League Signature Credit Card is a premium credit card that offers benefits such as Priority Pass membership, free PVR movie tickets etc. You should get this card if you-

• Are willing to pay an annual fee of Rs.2,500
• Are more inclined towards availing travel benefits and reward points
• Would like to avail concierge services

You can consider the below-given alternatives if you are not satisfied with this credit card- 

• Higher Earnings- High cashback when spent through your Kotak Corporate Wealth Signature Credit Card
• Fuel Surcharge Waiver- Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3,500
• Airport Lounge Access- 2 airport lounge access per calendar quarter
• Customized Company Name- Personalise your credit card with the company name
• Railway Surcharge Waiver- Maximum railway surcharge waiver allowed in a calendar year is Rs. 500

Kotak Corporate Wealth Signature Credit Card is specially designed for managing corporate expenses. You should go for this card if you-

• Would like effective control on employee spending 
• Would like to avail lounge access
• Do not wish to pay joining and annual fee

• Airport Lounge Access- 2 airport lounge access per calendar quarter
• Power to Company- Monitor spending patterns of employees and increased control over spends
• Fuel Surcharge Waiver- Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500
• Railway Surcharge Waiver- Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
• Universal Acceptability- International Credit Card, Accepted by over 10 million merchants across the globe

Kotak Corporate Platinum Credit Card is designed to match the day-to-day financial needs of businesses and corporates. You should opt for this card if you-

• Would like to avail lounge access
• Are ready to pay an annual fee of Rs.999

• Power to Company- Monitor spending patterns of employees and increased control over spends
• Universal Acceptability- International Credit Card, Accepted by over 10 million merchants across the globe
• Fuel Surcharge Waiver- Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3,500
• Dedicated Service Manager- Personalized service to all the corporate card members

Kotak Corporate Gold Credit Card is specifically designed to help companies manage their expenses more effectively. Consider getting this card if you-

• Are ready to pay an annual fee of Rs.1,000
• Would like effective control on employee spending 

• Unique Credit Cycle- 14-day credit cycle that starts afresh after every transaction
• Lifetime Free Credit Card- No joining or annual fee for this card
• Add on Cards- Free 2 add on credit cards
• Track Spends- Track spends separately for each of your add on cards
• Card Variants- 2 card variants available

Kotak Mahindra Bank Best Price Credit Card is a basic credit card that helps in expanding your business. You should opt for this card if you-

• Are not willing to pay joining fee and annual fee
• Looking for a wholesale card
• Are not seeking reward points or any other category specific benefits