Kotak Mahindra Bank
An entry-level rewards card whose real draw is the PVR milestone, not its reward rate.
One-time
Waived on ₹50,000/yr
Uncapped rewards
Score 700+
Applying takes you to Kotak Mahindra Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from Kotak Mahindra Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 1 Jun 2025.
See where each figure came fromFlights
No published ceiling on this tier · nothing under ₹150
Travel
No published ceiling on this tier · nothing under ₹150
Groceries
No published ceiling on this tier · nothing under ₹150
Everything else
No published ceiling on this tier · nothing under ₹150
Fuel All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
8% on Flights — 8 Reward Points per ₹150 (2X) on airlines and air carriers. Kotak publishes no cap on this rate., with no stated cap.
Biggest limitation
A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the value back.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
8 pts
uncappedFlights
8 Reward Points per ₹150 (2X) on airlines and air carriers. Kotak publishes no cap on this rate.
8 pts
uncappedTravel
8 Reward Points per ₹150 (2X) on travel agencies, tour operators and package tours.
8 pts
uncappedGroceries
8 Reward Points per ₹150 (2X) on departmental stores and durable goods.
4 pts
uncappedEverything else
4 Reward Points per ₹150 on everything else not excluded, rising to 8 once annual spend passes ₹2,00,000.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | Renewal fee waived on ₹50,000 or more of spend in the card year. |
| Add-on card | Add-on cards available for family members; cardholders can set individual spending limits and track spends on each add-on card — confirm current add-on fee/waiver on kotak.bank.in | — |
| Cash withdrawal | 3%, min ₹300 | ₹300 per ₹10,000 (or part thereof) withdrawn via ATM cash withdrawal/fund transfer/cash advance/call-a-draft, plus applicable finance charges from the transaction date |
| Late payment | Nil up to ₹100; ₹100 for ₹100–₹500; ₹500 for ₹500–₹1,000; ₹600 for ₹1,000–₹5,000; ₹750 for ₹5,000–₹10,000; ₹900 for ₹10,000–₹25,000; ₹1,100 for ₹25,000–₹50,000; ₹1,300 above ₹50,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹5,000
of one-time welcome value, on top of what you earn
Every year after
₹50,000 a year
is what it takes to keep the ₹499 fee off — about ₹4,167 a month
Not offered — this card carries no complimentary domestic lounge access.
1% waiver. 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000. The ₹3,500 cap is ANNUAL, not per statement cycle (revised 1 June 2025). Fuel spend earns no Reward Points.
Linkable to UPI. Available on both the Visa and RuPay (UPI-linked) variants.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹5,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
5,000 bonus Reward Points after the joining fee is paid — worth ₹350 as cashback, up to ₹500 via the catalogue. Paid variant only.
Spend ₹1,25,000 a quarter
4 free PVR tickets (max ₹400 each) or 10,000 bonus Reward Points, on ₹1,25,000 of spend every SIX months. Claim within 3 months of the period ending.
Spend ₹50,000 a year — about ₹4,167 a month
Renewal fee of ₹499 waived on ₹50,000 of spend in the card year.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Axis BankIndiGo Axis Bank Premium Credit Card BK₹5,000
Axis BankIndiGo Axis Bank Credit Card BKLifetime free
Federal BankScapia Credit Card BKLifetime free
Punjab National BankKiwi PNB Credit Card BK₹750
Axis BankFlipkart Axis Bank Super Elite BK₹500
HDFC BankHDFC Pixel Credit Card BKSee fees| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak League Platinum Credit Card · this card | ₹499 | 8% flights | No |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | See card | Included |
| IndiGo Axis Bank Credit Card BK | Lifetime free | See card | Included |
| Scapia Credit Card BK | Lifetime free | Up to 4% rewards | Included |
| Kiwi PNB Credit Card BK | ₹750 | Up to 1.5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹50,000 of annual spend.
The strongest published rate is 8% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. Available on both the Visa and RuPay (UPI-linked) variants.
Fuel Rent Education Insurance Government payments Wallet loads Online skill-based gaming Utility spends above ₹35,000 in a month The 2X accelerated rate (8 points/₹150) applies specifically to Airlines & Air Carriers, Travel Agencies & Tour Operators, Package Tour Operators, Electric Sales, Departmental Stores and Durable Goods; other categories earn 4 points/₹150 until ₹2 lakh annual spend, after which they also earn 8 points/₹150 No reward points on wallet loads, online skill-based gaming, insurance, government payments, rent, education and fuel spends; no reward points on utility spends exceeding ₹35,000 per month; a 1% transaction fee applies on wallet loading/online gaming beyond ₹10,000 cumulative, utility spends beyond ₹35,000, and fuel spends beyond ₹25,000 per month
Kotak Mahindra Bank publishes about ₹41,667 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Cashback as statement credit — 1 RP = ₹0.07, Rewards catalogue: products, vouchers, mobile recharge — 1 RP = up to ₹0.10
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary domestic or international airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Kotak League Platinum Credit Card — 8% on flights. ₹499 a year.
