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Credit Card

Live Better with KOTAK Credit Card

Kotak Mahindra Bank offers customers a range of credit cards, which can be used as economic tools. The bank provides credit cards with attractive features such as travel benefits, discounts, and cashback mechanisms, which act as rewards for spending money. Different types of credit cards from Kotak Mahindra Bank are available for different purposes and to meet the needs of every kind of customer.

Live Life to the Fullest with Kotak Mahindra Credit Card!

Credit Cards that cater to every need of every individual
Kotak 811 Credit card

Reward Type

2 RP on every 100 spend
750 cash back

Joining Fee

INR 500

Annual Charge

INR 500

Features

Offers for First Time Card Holders
  • 2 RP on every 100 spend & 750 cash back if annual spend > Rs.75000
  • Earn 1 reward points for every Rs. 100 spent offline
  • Spend Rs. 5000 within the first 45 days of card issuance and receive 500 bonus reward points
  • 1% Fuel Surcharge Waiver
  • Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters.

Conditions for Annual Card Fee waiver

  • For 1st year fee waiver : INR 1,25,000 retail spends done within 90 days of card set up
  • For 2nd year onwards fee waiver : INR 5,00,000 retail spends done in previous card anniversary year

Eligibility:

Salaried:

  • Card to card = 9 Month old Card with 50k credit limit with 30% available limit
  • Salaried- 30K Gross Monthly Salary for CAT A, B, C & Govt Employee for Others 40K
  • Age required = Salaried 21-65 year
  • The applicant’s Location must be - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
  • Should be a resident of India

Self-employed:

  • Indian nationality. Age: Self employed 23-65 year , Income: ITR > ₹6.0 Lakhs per annum
Indian Oil Credit card

Reward Type

Save 4% as RP on Fuel

Joining Fee

INR 449

Annual Charge

INR 449

Features

  • Save 4% as Reward Points on IndianOil Fuel Spends.
  • Save 2% back as Reward Points on Grocery and Dining spending.
  • On all other spends, save 0.5% back as Reward Points
  • Earn 3 Reward Points on every INR 150 spent
  • Get 1000 Reward points as a welcome benefit on spending INR 500 within 30 days of card issuance
  • Annual fee of INR 449 waived on spending INR 50,000 in the previous anniversary year
  • Personal accident insurance cover of INR 2,00,000

Fees & Charges applicable

  • Annual Card Membership fee – INR 449

Eligibility:

Salaried:

  • Primary Credit Card holders should be in the age bracket of 18 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Should be a resident of India
Kotak 811 Credit Card

Reward Type

Cashback and Reward

Joining Fee

500

Annual Charge

500

Features

  • Annual Fees 500 (waived if annual retain spend in previous year>50000 )
  • 500 bonus reward points on spending Rs. 5000 within 45 days of card set up
  • Earn 2 reward points against every Rs. 100/- of online spends
  • Earn 1 reward point against every Rs. 100/- of other* spends
  • Interest-free cash withdrawal
  • 1% fuel surcharge waiver across all petrol pumps for transactions between Rs. 500/- and Rs. 3000/- (max. Rs. 3500/year)
  • 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters

Eligibility:

Salaried:

  • Primary Cardholder should be in the age bracket of 18 years to 75 years.
  • Add-on Cardholders should be 18 years and above.
  • Minimum credit limit amount (for Non-811 savings account customers) – Rs. 9,000
  • Minimum credit limit amount (for 811 savings account customers) – Rs. 5,000
  • Only Individual TDs are allowed
  • Should be a resident of India
  • NRI customers can only apply via offline process
Urbane Gold Credit Card

Reward Type

Free PVR tickets
Reward points

Joining Fee

INR 0

Annual Charge

INR 199

Benefits

  • Earn 3 reward points against every Rs. 100/- of retail spends
  • Your Add-on Card will have all the benefits that you enjoy on your Card
  • Every 1000 reward points have a redeemable worth of Rs. 100/-
  • Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points

Eligibility:

  • Primary Cardholder should be in the age bracket of 21 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Applicant’s Location must be – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • Income – Rs. 3 lac and above per annum
  • Should be a resident of India
Veer Platinum Credit card

Reward Type

Cashback and Reward

Joining Fee

NA

Annual Charge

Rs 299

Features

  • Earn 6 Reward Points for every 200 spent on Dining, Movies, Departmental stores and Grocery
  • Earn 2 Reward Points for every Rs. 200 spent on other categories
  • Spend Rs. 500 within the first 30 days of card issuance and receive 500 Reward Points
  • Fuel surcharge waiver of 1% across Fuel Stations
  • Railway surcharge waiver of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters
  • Free Add-on card which will have all the benefits that you enjoy on your primary credit card

Eligibility:

  • Applicable for armed forces officials only
  • Primary Credit Card holders should be in the age bracket of 18 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
  • Applicant must be a resident of India
Kotak Infinite Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 0

Features

  • 2 complimentary round of golf in a month for the cardholder
  • 800 Reward points worth Rs 800 free every month
  • 4 complimentary visits every quarter to Dream Folks Lounges only in India
  • Instant Assistance through premium concierge services
  • 1% fuel surcharge across all petrol pumps in India*
  • 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter

Eligibility:

  • Primary cardholder needs to have Kotak Private Banking clients
  • Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
  • Applicant must be a resident of India
League Platinum Credit Card

Reward Type

4 PVR ticket
8X RP - Rs.150

Joining Fee

INR 499

Annual Charge

INR 499

Features

  • 4 PVR ticket or 10000 RP on every 125000 spent in 6 month
  • Earn 8X reward point on spend of Rs.150 on all category
  • Reward points worth Rs. 500, post realization of joining fee
  • Fuel Surcharge Waiver on transactions between Rs. 500 and Rs. 3000

Eligibility:

  • Applicant’s Income must be Rs.5 Lakhs and above per annum
  • Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
  • Applicant must be a resident of India
Corporate Wealth Signature Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 0

Features

  • Interest-free funds for up to a period of 48 days similar to an overdraft facility on credit cards
  • Fuel Surcharge Waiver on transactions between Rs. 500 and Rs. 3000
  • Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
  • 2 complimentary visits every quarter to Dream Folks Lounges only in India
  • Feel safe and secure with free SMS and e-mail alerts on all transactions

Eligibility:

  • Discussed at the time of sourcing
Mojo Platinum Credit Card

Reward Type

2.50 mojo point - online
2.50 mojo point - offline

Joining Fee

INR 1000

Annual Charge

INR 1000

Features

  • 2.50 mojo point on every Rs.100 spend online
  • 2mojo point on every 100 spend offline
  • Earn unlimited 1 Mojo point for every Rs. 100 on all other spends.
  • Earn 1 Mojo point for every Rs. 100 spent on all the other categories ( except fuel and cash withdrawal)
  • 2500* Mojo points every quarter on spending Rs. 75,000 (Valid for the first year only)
  • 8 complimentary Dream Folks Airport Lounge visits annually within India
  • Joining fees of Rs. 1,000 waived on spending Rs.30,000* in the first 90 days after card issuance
  • Annual fees waived on spending Rs. 1 lakh annually
  • 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000

Eligibility:

  • Primary Credit Card holders should be in the age bracket of 21 to 65 years.
  • The add-on Cardholder should be 18 years and above
  • Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The Income of the Applicant must be Rs. 4 lacks and above per annum
  • The applicant should be a resident of India
White Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 3000

Annual Charge

INR 3000

Features

  • Primary Credit Card holder’s age: 28 to 65 years
  • Add-on Card holder’s age: 18 years or above
  • Applicnts’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • Applicant’s Income must be ₹25 lakh and above per annum

Eligibility:

  • Primary Credit Card holders should be in the age bracket of 21 to 65 years.
  • The add-on Cardholder should be 18 years and above
  • Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The Income of the Applicant must be Rs. 4 lacks and above per annum
  • The applicant should be a resident of India
White Reserve Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 12,500

Annual Charge

INR 12,500

Features

  • Earn direct White Pass value on crossing spend milestones
  • Earn White Pass Value up to 2.5 lakh annually
  • Get access to some of the most sought after events in the world
  • Up to 25% off on the food bills in India and up to 206 off across Asia Pacific
  • Unlimited lounge access* at 1000+ airports across the world
  • 2 Free golf rounds each month at select golf courses across the world

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant should have a stable source of income
  • The applicant’s CIBIL Score should be more than 750
Corporate Platinum Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 0

Features

  • 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
  • Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
  • Get 2 Airport lounge accesses per calendar quarter (for primary cardholder only)
  • Accepted by over 10 million merchants across the globe
  • Up to 48 days interest-free credit period

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant should have a stable source of income
  • The applicant’s CIBIL Score should be more than 750
Royale Signature Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 999

Features

  • 2 complimentary visits every quarter to Dream Folks Lounges only in India
  • Up to 4 reward points on every Rs. 150 spent across all Special category and 2 reward points on other categories
  • Redeem your reward points for options on easyrewardz or other attractive redemption options
  • 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
  • Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking
  • Add-on Card will have all the benefits that you enjoy on your credit card

Eligibility:

  • Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant’s Income must be Rs. 24 Lakhs and above per annum
  • The applicant must be a resident of India
Zen Signature Credit Card

Reward Type

10 Zen point - shopping
5 zen point for other spend

Joining Fee

INR 1500

Annual Charge

INR 1500

Features

  • 10 Zen point on every 100 spend on shopping
  • 5 zen point for other spend
  • 15000 bonus ZEN Points on crossing annual spends of 6,00,000 - every year
  • Avail of a welcome gift of 1500 Zen points (only be realized upon paying the joining fees of Rs. 1500/-)
  • 8 complimentary visits (2 every quarter) to Dream Folks Lounges only in India
  • Complimentary Priority Pass Membership along with 3 complimentary Priority Pass International Lounge access in a year across 1300+ Lounges

Eligibility:

  • Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
  • Add-on Cardholder should be 18 years and above
  • Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant’s Income must be Rs. 4.8 Lakhs and above per annum
  • The applicant must be a resident of India
Veer Select Credit card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 599

Features

  • Earn 9 Reward Points for every 200 spent on Dining, Movies, Departmental stores and Grocery
  • Earn 3 Reward Points for every Rs. 200 spent on other categories
  • Spend Rs. 500 within the first 30 days of card issuance and receive complimentary IHO membership worth Rs. 8,500
  • 8 Complimentary Airport Lounge access annually
  • Fuel surcharge waiver of 1% across Fuel Stations
  • Railway surcharge waiver of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters
  • Free Add-on card which will have all the benefits that you enjoy on your primary credit card

Eligibility:

  • Primary Credit Card holder should be in the age bracket of 18 years to 65 years.
  • Applicable for armed forces officials only
  • Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant’s Income must be Rs. 4.8 Lakhs and above per annum
  • The applicant must be a resident of India
Kotak IndiGo Ka-ching 6E Rewards XL Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 2500

Annual Charge

INR 2500

Features

  • Get a welcome ticket* worth Rs. 3,000
  • 6E Prime add-ons worth Rs. 899 - Get priority check-in, choice of seat, complimentary meal and quicker baggage assistance
  • 8 lounge access per year with 2 every quarter

Eligibility:

  • Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
  • Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant must be a resident of India
NRI Royale Signature Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 1000

Features

  • Earn 2 rewards on spends outside India; i.e. earn 2 rewards points for every Rs. 200/- spent
  • Earn 1 reward point for every Rs. 200/- spent within India
  • 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
  • Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
  • 2 complimentary visits every quarter to Dream Folks Lounges only in India

Eligibility:

  • Primary Credit Card holder’s age must be 18 – 75 years
  • Add-on Cardholder should be 18 years and above
  • Only NRE/NRO account holders are eligible for the Credit Card
  • The credit limit offered can be as high as 80% of your Fixed Deposit(FD) amount
  • Minimum FD Amount od the applicant should be Rs. 1 lac
  • Only Individual FDs are allowed
  • The applicant must be an NRI having an Indian residential address
PVR Kotak Platinum Credit Card

Reward Type

2 free PVR tickets
5% cashback on movie ticket

Joining Fee

Nil

Annual Charge

INR 999

Features

  • 2 free PVR tickets every month on spend of 10000,
  • 15% Cashback on Food and Beverages at PVR
  • 5% Cashback on Movie tickets at PVR Box Office
  • Add-on Card with all the benefits that you enjoy on your Card

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • The applicant should have a stable source of income
  • The applicant’s CIBIL Score should be more than 750
Kotak IndiGo Ka-ching 6E Rewards Credit Card

Reward Type

Welcome ticket of 3000
6E Prime add one worth 899

Joining Fee

INR 2500

Annual Charge

INR 2500

Features

  • Get a welcome ticket worth Rs. 1,500
  • 6E Prime add-ons worth Rs. 899 - Get priority check-in, choice of seat, complimentary meal, and quicker baggage assistance
  • A discounted convenience fee of Rs.150 per pax on indigo tickets

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • The applicant should have a stable source of income
Best Price Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 0

Features

  • 14-day Credit Cycle that starts afresh on every transaction
  • Make purchases at the Best Price Modern Wholesale store with the two free Add-On cards
  • Freedom of No Joining Fee
  • Set the spending limit on your Add-on Card as you desire

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • The applicant should have a stable source of income
Privy League Signature Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 2,500*

Features

  • For every Rs. 100 spent on credit card 5 reward points are earned for special categories
  • Earn 5 Reward Points on select categories like airlines, hotels, duty-free, international spends and travel agencies
  • Earn 2 reward points under other categories
  • VIP access* to over 1300 VIP lounges in more than 148 countries and 600 cities worldwide
  • Save 1% fuel surcharge across all petrol pumps in India*
  • Get 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter*
  • Enjoy a low monthly interest rate of 2.49%

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • The applicant should have a stable source of income
  • Primary cardholder needs to have Privy league Banking Relationship
  • Applicant’s location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
PVR Kotak Gold Credit Card

Reward Type

Cashback and Reward

Joining Fee

INR 0

Annual Charge

INR 499

Features

  • Get free PVR Movie Tickets depending on your monthly spends
  • Get 1 free PVR movie ticket* every month when you spend ₹ 10,000 and above in a monthly billing cycle
  • Get 2 free PVR movie tickets* every month when you spend ₹ 15,000 and above in a monthly billing cycle
  • Get 15%# Cashback on Food and Beverages at PVR
  • Get 5%#Cashback on Movie tickets at PVR Box Office
  • No Joining Fee for the first year
  • Add-on Card with all the benefits that you enjoy on your Card

Eligibility:

  • The applicant should be a resident of India
  • The applicant should be between 21 years to 65 years of age
  • The applicant should have a stable source of income
01
Visit Our Website

For the first step, you will have to visit our website to explore the options that fit your needs.

02
Select and Apply

Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Credit Card!

Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.

Always Be Prepared with the Right Document

Required Documents for Kotak Mahindra Credit Card

PAN Card

Aadhaar Card

Driving Licence

Voter ID

Passport

Registered rent agreement

Current passport size photograph

Salaried income documents

Self Employed person documents

Salaried income documents

  • Last 3 months' salary slip
  • Form 16 of last 2 years
  • Income Tax Return if any of last 2 Years
  • Last 3 months' bank statement if the salary directly credited in the bank account
  • Certificate of employment from current employer

Self Employed person documents

  • Income tax returns of previous 2 years
  • Statement of finances with a proper balance sheet with profit and loss in that sheet
  • Bank statement with continuity of business
  • GST registration evidence of business

Card to Card Documents

The documents required for a card-to-card application vary, but common documents include:

  • Government Issued Photo ID
  • Proof of Residency
  • Proof of Income
  • Applcation Form
  • Authorization to run a Credit Check (if required)

Note : Kotak may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.

Easily Apply for a Kotak Mahindra Credit Card Through ReferLoan

How to Apply for Kotak Mahindra Credit Card?

Follow the steps to apply for Kotak Credit Cards through ReferLoan:

  • On the ReferLoan Credit Card page, you will find the list of credit cards on the top.
  • Choose the Kotak card you want and click on the 'Check Eligibility' button
  • Here you will be introduced to a list of eligibility questions
  • Answer these questions to know your eligibility.
  • If you fulfill the eligibility criteria, you will be redirected to the online application page.
  • Fill in all the required fields on the page before clicking on ‘Submit’.
  • Now you will be asked to upload the required documents - upload them and click on 'Submit'
Redeem Your Reward Points to get Exciting Gifts

How to Redeem Reward Points on Kotak Mahindra Credit Card?

  • Choose the category you want to redeem your points in
  • Add the selected items to your cart
  • Now check out making payment using your reward points
  • Your order will be placed the further details will be sent to your registered mail ID and contact number
  • To proceed further, please read the Terms & Conditions and click on the check box confirming that you have read them.
Access Your Card Easily from Anywhere Through Net Banking

Kotak Credit Card Registration for Net Banking

  • Click on “ Register for Net Banking”
  • Once you have completed the online registration process, you will be redirected to a page for generating your Online Net Banking password.
  • Enter your CRN number/Customer ID and click Continue
  • You will need to answer a few personal questions to confirm your identity
  • You will be redirected to the next step, where you will have to select the “ Generate password via Credit Card Details” and continue
  • In the next step, you will enter your credit card number, expiry date, CVV, and card PIN and click on Continue
  • As per the guidance choose a 6-digit password, re-enter it and submit
  • Once you set your password, you'll receive a one-time password on your registered mobile number and e-mail ID. You will need to combine this password with your new six-character password to create a new password for your account.

In Case of Any Query

Kotak Mahindra Bank Ltd. P.O. Box:16344, Mumbai-400013.

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