Kotak Mahindra Bank offers a wide range of credit cards with great benefits in the form of reward points and exclusive card advantages. You can choose from a variety of cards that suit your financial profile and spending needs.
Best Kotak Mahindra Bank Credit Cards in India
| Kotak Mahindra Credit Cards | Joining Fee (in Rs.) | Annual Fee (in Rs.) | Key Features |
| Essentia Platinum Credit Card | 1,499 | 749 | 6 free PVR movie tickets on spending Rs.1,25,000 every 6 months or 1200 reward points |
| Kotak Delight Platinum Credit Card | 1,999 | 299 | 10% cash-back on dining every month on spending a minimum of Rs.10,000 |
| Kotak PVR Gold Credit Card | Nil | 499 | 1 free PVR movie ticket every month on spending Rs.10,000 and above in monthly billing cycle and 2 free PVR tickets on spending Rs.15,000 and above in a monthly billing cycle |
| Nil | 999 | 2 free PVR movie tickets every month on spending Rs.10,000 and above in a monthly billing cycle |
Kotak Mahindra Bank Credit Card Payment Moratorium |
| The RBI has permitted banks and other financial institutions to allow a 3-month moratorium to customers for all term loans, including credit cards. This primarily means customers who opt for this moratorium, would not have to pay their EMIs on their loans or credit card dues in the period March 1, 2020 to May 31, 2020. However, once the moratorium period is over, the entire outstanding amount for this period, along with the interest accrued, would have to be paid back to the bank. Kotak Mahindra Bank credit card customers should note:
For more details on Kotak Mahindra Bank Credit Card Payment Moratorium, Click here Please note: RBI has not waived off your outstanding loans and credit card dues, instead, it has only offered a temporary relief in the form of moratorium period to people whose incomes have been affected by the Covid-19 lockdown. We advise our customers to continue paying their loan EMIs and credit card dues as per the statement schedules and should opt for moratorium period only if their finances have been severely impacted. Once the moratorium period ends, you will have to pay back the outstanding balance along with the interest accrued. |
Kotak Mahindra Bank Credit Card - Features and Benefits
Features and benefits of top Kotak Mahindra Bank credit cards are as follows:
Essentia Platinum Credit Card
Best suited for: Rewards Movies Shopping
Key Highlights
Additional Savings – 10% savings on departmental and grocery store spends
Movie Benefits – Spend Rs.1,25,000 every 6 months to get 6 free PVR tickets/1,200 reward points
Reward Points – Redeem your reward points against cash, airline tickets, air miles, movie tickets, etc.
Read More
Kotak Delight Platinum Credit Card
Best suited for: Fuel Movies Dining
Key Highlights
Movie and Dining Discounts – 10% Cashback on all your Dining & Movie spends
CashBack Benefits – Maximum cash-back of Rs.600 per billing cycle
Movie Benefits – Spend Rs.1,25,000 every 6 months and get 4 free PVR tickets
Convenience Fee Waiver – 1.8% railway surcharge waiver for transactions on www.irctc.co.in
Kotak PVR Gold Credit Card
Best suited for: Movies Rewards Shopping
Key Highlights
Shopping Benefits – Complimentary PVR movie tickets round the year for shopping transactions
Movie Benefits – 1 free PVR movie ticket* every month on spending Rs.10,000 and above in a monthly billing cycle
Card Coverage – Coverage of Rs.50,000 for card protection against unauthorized transactions
Kotak PVR Platinum Card
Best suited for: Rewards Movies Shopping
Key Highlights
Shopping Benefits – Shop anywhere in India to get complimentary PVR movie tickets
Movie Benefits – 2 free PVR movie tickets* every month on spends of Rs. 10,000 and above
Insurance Cover – Free insurance cover worth Rs. 75,000 per year for lost or stolen card
Other Kotak Mahindra Bank Credit Cards
Note: The cards mentioned below are not available on Paisabazaar.com. Kindly visit the official website of Kotak Mahindra Bank to apply
| Kotak Mahindra Credit Cards | Joining Fee (in Rs.) | Annual Fee (in Rs.) | Key Features |
| Royale Signature Credit Cards | 1499 | 999 | Earn up to 4X Reward Points on every Rs.150 spent across all categories. Also, get up to 30,000 Reward Points on annual spend of Rs.8 lakh |
| Urbane Gold Credit Card | Nil | 199 | Earn 3X Reward Points against every Rs.100 spent on retail; Get 4 PVR tickets or 10,000 reward points on spending Rs.1,00,000 |
| Wealth Management Infinite Credit Card | Nil | Nil | Personalised credit card design; get access to the international events |
| Privy League Signature Credit Card | Nil | Nil | Earn 5X Reward Points on shopping and travel plans; 1% fuel surcharge across all the petrol pumps in India |
| Fortune Gold Credit Card | Nil | Nil | Fortune Shield of Rs.50,000 in case you lose your credit card up to 7 days of pre-reporting; get 4 PVR tickets on spending Rs.1,50,000 in a year |
| Solaris Platinum Credit Card | 500 | 500 | Earn 5X Reward Points on every Rs.150 spent on online shopping and 2X Reward Points on other spends |
| Silk Inspire Credit Card | 599 | 599 | Avail 4 PVR tickets on spending Rs.1, 25,000 every 6 months along with Silk Inspired Shield of Rs.75, 000 in case your card is stolen and reported within 7 days. |
| League Platinum Credit Card | Rs.500/Nil | Rs.499 | Earn up to 8X Reward Points on every Rs.150 spent from this card and avail movie voucher of Rs.500 as a joining gift |
| Best Price Credit Card | Nil | Nil | Purchases with Best Price Card can get you two free Add-on card |
| Corporate Wealth Signature Card | Nil | Nil | Earn higher earnings and cash back with this credit card along with fuel surcharge waiver applicable on transactions between Rs.500 and Rs.3000 |
| Corporate Platinum Credit Card | Nil | Nil | Earn Higher Reward Points along with access to Airport Lounge |
| NRI Royale Signature Credit Card | Nil | 1,000 | Earn 2X Reward Points outside India for every Rs.200 spent and 1 Reward Point for every Rs.200 spent |
| Feast Gold Credit Card | Nil | 499 | Earn 10 dining points on every Rs.100 spent on movies and dining along with balance transfer facility |
| Aqua Gold Credit Card | Nil | Nil | Interest Free cash up to 48 days throughout the year along with aqua shield cover of Rs.50,000 if your card is stolen up to 7 days of pre-reporting |
| Corporate Gold Credit Card | Nil | 1,000 | Earn higher Reward Point earnings along with fuel surcharge waiver between Rs.500 to Rs.3000 |
Kotak Mahindra Bank Credit Card Eligibility and Documentation
Following are the eligibility criteria to apply for Kotak Mahindra Bank credit cards:
- The card holder should be in the age bracket of 21-65 years
- Should be a resident of India
- The minimum monthly income criteria vary for different credit cards
Documents Required
Below mentioned are some of the basic documents that the bank will ask in order to apply for a credit card:
| Proof of Identity |
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| Proof of Address |
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| Proof of Income |
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How to Apply for Kotak Mahindra Bank Credit Card
One can apply for Kotak Mahindra Bank’s credit card catering to all the financial needs with the below-mentioned steps:
Step 1 – Click here to begin with your credit card application
Step 2 – Fill the basic information like your name, address, date of birth, monthly income etc.
Step 3 – List of credit cards matching your eligibility will be shown to you.
Step 4- Select the card that suits your financial requirement. The bank will then go through the credit card application and if your application is approved, the bank will dispatch your card, which will be delivered to you within a few working days.
Already applied for Kotak Credit Card?
Kotak Credit Card Reward Points
With Kotak Mahindra Bank credit cards, the user can get reward points on every purchase. Some credit cards also offer accelerated rewards on certain spending categories. Given below is the rate of reward earning on some popular Kotak credit cards:
| Credit Card | Reward Points | Accelerated Rewards |
| Kotak Essentia Platinum Credit Card | 1 SP for every Rs. 250 spent | 10 SP per ₹ 100 spent at departmental or grocery stores |
| Kotak Delight Platinum Credit Card | N/A | N/A |
| Urbane Gold Credit Card | 3 RP on every Rs. 100 spent | N/A |
| Royale Signature Credit Card | 2 RP on every Rs. 150 spent | 4 RP per Rs. 150 spent internationally, on hotels, restaurants & travel agencies |
| Kotak League Platinum Credit Card | 4 RP on every Rs. 150 spent up to Rs. 2.00 Lakh | 8 RP per Rs. 150 spent internationally, on hotels, restaurants & travel agencies |
| Solaris Platinum Credit Card | 2 RP on every Rs. 150 spent | 5 RP on every Rs. 150 spent online |
Kotak Mahindra Bank Credit Card Customer Care
Kotak Bank credit card holders can contact the Kotak Bank credit card customer care for any unresolved query via call, email and SMS. Here are the details:
Kotak credit card customer care number: 1860 266 2666 (local call rates applied)
Kotak credit card customer care Email ID: Kotak credit card holders can submit their grievances or queries through a complaint form given on Kotak official website. Customers need to mention their registered email ID.
Kotak credit card customer care SMS: SMS to 9971056767 or 5676788 for knowing your credit card balance, due amount, last payment, etc.
Kotak Mahindra Bank Credit Card FAQs
What can I do if my credit card is stolen or lost?
In case you lose your credit card, you can contact the customer care of Kotak Mahindra Bank at 1860-266-2666 and for 811 customers at 1860-266-0811
What are the preferred credit cards for shopping?
Credit Cards that are ideal for the purpose of shopping are – Essentia Platinum credit card, League Platinum credit card, Urbane Gold credit card, Silk Inspire credit card and Solaris Platinum credit card
Which credit card is best suitable for women?
Kotak Silk Inspire Platinum credit card is designed specifically for women. Be it shopping or travel, women can avail reward points and benefits on this card.
What are the eligibility criteria to apply for credit cards from Kotak Mahindra Bank?
Below are the basic eligibility criteria:
• The cardholder should be in the age bracket of 21-65 years
• Should be an Indian citizen with a stable income
• The minimum income requirement and the location of the cardholder varies for different cards
Which are the best Kotak Mahindra credit cards for movie buffs?
The bank offers PVR Platinum credit card and PVR Gold credit card for individuals who love to watch movies
What is the annual fee of Kotak Mahindra credit cards?
The annual fee starts from Rs.199 onwards.
