Kotak Lifetime Free Credit Cards

The card-wise features and benefits of lifetime free credit cards offered by Kotak Mahindra Bank are as follows:

1. Kotak League Platinum Credit Card

Kotak League Platinum Credit Card is designed for cardholders who want to earn reward points on everyday purchases and avail benefits on eligible milestone spends. It offers accelerated rewards on select categories, along with basic benefits like free movie tickets, fuel and railway surcharge waivers. Its key features and benefits include:

• 8 reward points per Rs. 150 spent on Airlines and Air Carriers, Travel Agencies & Tour Operators, Package Tour Operators, Electric Sales, Departmental Stores and Durable Goods
• 8 reward points per Rs. 150 spent on other categories on reaching annual spends of Rs. 2 Lakh
• 4 reward points per Rs. 150 on other categories on annual spends up to Rs. 2 Lakh
• 5,000 reward points worth Rs. 500 after the payment of joining fee
• 4 free PVR tickets or 10,000 bonus reward points on spending Rs. 1.25 Lakh every 6 months
• Exclusive assistant services for League Platinum cardholders

2. Kotak UPI RuPay Credit Card

Kotak UPI RuPay Credit Card is a virtual credit card designed for consumers who want to make UPI payments using their credit card while earning reward points on eligible transactions. It is a lifetime free card with no joining or annual fee and can be linked to supported UPI apps. Its key features and benefits include:

• Uncapped 3 reward points on every Rs. 100 spent, including UPI, online and international transactions made virtually
• 1 Reward Point = Rs. 0.07
• Accrued reward points are redeemable against the Kotak Rewards catalogue across varied categories, like travel, shopping, e-vouchers, recharges, movies and many more

3. Kotak811 Super Money Credit Card

Kotak811 Super Money Credit Card is an FD-backed credit card that offers cashback along with the convenience of UPI payments. It is suitable for consumers who want to build their credit history while earning cashback on eligible online purchases and UPI transactions. Its key features and benefits include:

• FD starting at a minimum of Rs. 1,000
• Flat 5% cashback on non-UPI spends on Myntra
• Flat 3% cashback on non-UPI spends on Cleartrip
• Flat 2% cashback on non-UPI spends on Flipkart
• Flat 1% cashback on all UPI spends
• Low forex markup fee of 2%

Below mentioned are some of the common fees and charge of Kotak lifetime free credit cards:

The eligibility criteria for a Kotak lifetime free credit card vary by card variant. Applicants generally need to meet the following requirements:

• Age: Meet the minimum age requirement for the selected card. The Kotak UPI RuPay Credit Card requires applicants to be at least 18 years old, while the standard Kotak League Platinum Credit Card specifies an age range of 21–60 years for primary cardholders.
• Residency: Be an eligible Indian resident.
• Income: Meet the bank's income requirements, wherever applicable. The Kotak League Platinum Credit Card specifies an annual income of at least Rs. 5 Lakh.
• Fixed deposit: Applicants for Kotak811 Super Money Credit Card need to open or hold a Kotak811 savings account and book a fixed deposit of at least Rs. 1,000.

Applicants can apply for a Kotak credit card through the bank's official website or the designated application platform. The general process is as follows:

1. Visit the official website: Open Kotak Mahindra Bank's credit card section or the relevant card application page.

2. Select a credit card: Compare the benefits, fees, eligibility criteria and applicable lifetime free offers.

3. Enter personal details: Provide the requested information, such as name, mobile number, PAN and other required details.

4. Complete verification: Submit the required documents and complete the applicable KYC process.

5. Review the fee terms: Confirm whether the joining and annual fees are nil and check for any conditions attached to the offer.

6. Submit the application: Complete the application and wait for the bank to assess eligibility and approve the card.