Kotak Mahindra Bank Credit Cards 2025
Explore all credit cards from Kotak Mahindra Bank. 28 cards ranked by our experts.
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Kotak Privy League Signature
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹10,000
Rewards rate
₹1.00 - ₹4.00/₹100
Joining fee
₹10,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹400000
- 4 complimentary international lounge visits per year
- Generous 12 domestic lounge visits per year
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹100K per month
Kotak Zen Signature
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on Kotak Mahindra Bank's website
Annual fee
₹3,000
Rewards rate
₹0.70 - ₹2.10/₹100
Joining fee
₹3,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
811 #DreamDifferent
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹1.00/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Premium lifestyle seekers with balanced reward structure
Kotak Royale Signature
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on Kotak Mahindra Bank's website
Annual fee
₹1,999
Rewards rate
₹0.50 - ₹1.50/₹100
Joining fee
₹1,999
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Premium
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Generous 8 domestic lounge visits per year
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
Best for: Mid-tier lifestyle card, movie and dining offers
Kotak League Platinum
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on Kotak Mahindra Bank's website
Annual fee
₹999
Rewards rate
₹0.25/₹100
Joining fee
₹999
Interest rate
40.80%
Card details
Forex Markup
3.50%
Categories Entertainment, Lifestyle
CardNitty's take
Pros
- Reasonable fee, movie discounts, fuel surcharge waiver
Cons
- Basic reward rate, limited lounge access
Kotak Veer Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
Rewards rate
₹0.33 - ₹0.67/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Silk Inspire
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹999
Rewards rate
₹0.33 - ₹0.83/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Cashback
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹0.50 - ₹5.00/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Cashback, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Mojo Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
Rewards rate
₹0.50/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Essentia Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
Rewards rate
₹0.25/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Myntra Kotak
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹1.00 - ₹6.25/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lifetime Free, Rewards, Shopping
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Metro
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Cashback, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak 811
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹1.00/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
IndiGo 6E Rewards
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
Rewards rate
₹0.50 - ₹3.00/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
IndiGo 6E Rewards XL
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹2,500
Rewards rate
₹1.00 - ₹5.50/₹100
Joining fee
₹2,500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
PVR Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
Rewards rate
₹0.33 - ₹1.67/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Rewards, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
PVR Kotak Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
Rewards rate
₹0.33 - ₹1.67/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
IndianOil Kotak
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹500
Rewards rate
₹0.25 - ₹1.00/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Entry Level, Fuel
CardNitty's take
Pros
- Low annual fee of just ₹500
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Air
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹999
Rewards rate
₹0.33 - ₹0.83/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Diners and movie lovers with Rs 10K+ monthly spend
Delight Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
Rewards rate
₹0.33/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Users needing high cash withdrawal access
Fortune Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹0.10/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Online shoppers with moderate spending
Solaris Platinum
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
Rewards rate
₹0.33/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Veer Select
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹499
Rewards rate
₹0.33/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Aqua Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹0.07/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Kotak Solitaire
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹25,000
Rewards rate
₹2.67 - ₹5.17/₹100
Joining fee
₹25,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1500000
- Comprehensive insurance coverage up to ₹2 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹25000 may not suit everyone
- Significant joining fee of ₹25000
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Travelers, high spenders seeking luxury vouchers
Kotak White
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹3,000
Rewards rate
₹1.00/₹100
Joining fee
₹3,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- 8 domestic + 4 intl lounge visits. White Pass rewards up to Rs 27K. National Geographic travel experiences. Rs 3,500 fuel waiver/year. Rs 1,500 welcome voucher
Cons
- Rewards only after Rs 2L spend. Not accepting new applications. Complex redemption. 2% rent fee
Best for: Beginners wanting simple reward structure
Urbane Gold
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
FREE
Rewards rate
₹0.07/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Ultra-HNI customers seeking premium metal card with exclusive experiences
Kotak White Reserve
APPLY NOW
on Kotak Mahindra Bank's website
Annual fee
₹15,000
Rewards rate
₹3.00 - ₹5.00/₹100
Joining fee
₹15,000
Interest rate
N/A
Card details
Forex Markup
2.00%
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1500000
- Good reward rate of up to ₹5.00 per ₹100
- Comprehensive insurance coverage up to ₹2 crore
- Complimentary golf privileges
- Spa and wellness benefits
- Low forex markup of 2.00% - great for international spends
Cons
- High annual fee of ₹15000 may not suit everyone
- Significant joining fee of ₹15000
- High income requirement of ₹4200K per month
About Kotak Mahindra Bank
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