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Kotak Mahindra Bank
Kotak Infinite Credit Card
Travel
Golf
Rewards
1st Year Fee: ₹ 0
Travel Benefit
Low foreign exchange markup fee of 2%
Fuel Benefit
Up to Rs. 4,500 savings every year
Lounge Access
16 domestic lounge visits per year
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About Kotak Infinite Credit Card
Kotak Infinite is an invite-only credit card that is exclusively offered to Kotak Private Banking customers. This card offers a personalized card design along with basic rewards, travel & golf benefits. For frequent travellers, it charges a low forex markup fee of 2% along with complimentary domestic lounge visits. Besides travel, the card offers moderate golf benefits, including up to 24 free golf rounds every year, along with 2 guest visits per year. Cardholders can earn 1 point per Rs. 125 spent across all categories, which can later be redeemed against recharges, products & vouchers, and more through the rewards catalogue.
However, despite being an invite-only card, it offers limited benefits and comes with a very low reward rate. Whereas other invite-only cards like HDFC Infinia and ICICI Emeralde Private offer higher reward rates along with better travel and lifestyle benefits. Overall, this credit card may be a suitable option for Kotak Private Banking customers seeking a card with basic benefits without paying any annual fee.
Note: Kotak Mahindra Bank has discontinued this card for new customers. The features and benefits available on this page apply only to existing credit cardholders.
Travel & Golf Benefits
Travel Benefits
- Low forex markup fee of 2%
- 4 complimentary domestic airport lounge visits every quarter
- 1.8% to 2.5% railway surcharge waiver on booking via www.irctc.co.in or through an Indian Railways booking counter, capped Rs. 500 per year
Golf Benefits
- 2 complimentary golf rounds per month
- Free tee-offs at some of the finest golf courses worldwide
- Invite up to 2 friends for a complimentary golf round once every quarter
Other Features & Benefits
Rewards Program
- 1 reward point for every Rs. 125 spent
- Redeem reward points against products & items, vouchers, recharges, and more via the rewards catalogue
Bonus Rewards
- 800 reward points worth Rs. 800 every month1
Fuel Benefit
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 7,500, up to Rs. 4,500 per year
Kotak Infinite Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||
| Annual Fee | Nil | ||||||||||||||
| Finance Charges | 3.50% p.m. (42% p.a.) | ||||||||||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if:
You are looking for a credit card with a low forex markup fee to save on international spends
You want to earn the same reward rate across all categories
You are a frequent domestic traveller looking for a card with basic lounge access benefits
You are seeking a card with complimentary golf games, along with free guest visits
Other similar cards:
Paisabazaar Review
What do we like about this card?
Kotak Infinite Credit Card is a suitable option for consumers seeking a card with basic travel & golf benefits. With no joining & annual fee, this credit card comes with a low forex markup fee of 2%, which makes it a better fit for international spends. Additionally, complimentary domestic lounge visits, free golf rounds, and bonus rewards add to its value. However, despite being an invite-only card, it comes with a low reward rate of 1 point per Rs. 125 spent and limited benefits around travel & lifestyle categories.
Pros
- No joining and annual fees
- Low forex markup fee of 2%
- 4 complimentary domestic airport lounge access per quarter
- Up to 24 free golf rounds every year
- Up to Rs. 4,500 savings every year on fuel spends
Cons
- No international airport lounge access
- Low reward rate of 1 point per Rs. 125 spent
- Limited value for consumers looking for lifestyle, dining, or shopping benefits
Frequently Asked Questions
Everything you need to know about this credit card
Kotak Infinite Credit Card is an invite-only card, primarily for Kotak Private Banking customers. Invitations are extended to select customers based on their profile and banking relationship with Kotak.
Kotak Infinite Credit Card offers a low forex markup fee of 2%, making international transactions cost-effective. Additionally, the card provides 4 complimentary domestic airport lounge visits every quarter.
Cardholders can avail 2 complimentary rounds of golf per month and free tee-offs at select premium golf courses. Cardholders can also invite up to 2 guests for a complimentary round once every quarter.
Cardholders can earn 1 reward point for every Rs. 125 spent on all purchases. Reward points can be redeemed through the Kotak rewards catalogue for products, gift vouchers, mobile/DTH recharges, and other available redemption options.
Kotak Infinite Credit Card comes with no joining or annual fee. Finance charges are 3.50% per month (42% p.a.), and late payment fees vary based on the outstanding amount, ranging from Rs. 100 to Rs. 1,200.
Yes, but they are limited. Benefits include a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 7,500 (capped at Rs. 4,500/year) and a railway surcharge waiver for bookings via IRCTC or Indian Railways (capped at Rs. 500/year).
Footnotes
- Reward points are credited in place of 2 free PVR tickets as a temporary feature change
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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