Card Image
Aqua Gold
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.07
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
650+
At a Glance
Key Benefits
Lifetime free, 1 reward point per Rs.150, fuel surcharge waiver
Lounge Access
Not available
Eligibility
Salaried: Rs.15,000+/month, Age: 21-60, CIBIL: 650+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.07
#306
Reward Type Reward Points
Reward Currency Points
Min Credit Score
650+
#13
Min Monthly Income ₹NaN
Network VISA
Cash Advance Fee 2.50% (min ₹500)
Late Payment Fee ₹500
Over Limit Fee 2.50% (min ₹500)
Reward Structure
Base
All Spends
₹0.07 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
The Aqua Gold is a straightforward lifetime free credit card from Kotak Mahindra Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
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
Frequently Asked Questions
What is the annual fee for Aqua Gold?
No, it is a lifetime free card.
Is there a joining fee for Aqua Gold?
No, there is no joining fee.
What rewards does Aqua Gold offer?
You can earn rewards worth up to ₹0.07 per ₹100 spent. The base reward rate is ₹0.07 per ₹100.
Does Aqua Gold offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for Aqua Gold?
To apply for Aqua Gold, you need minimum age of 21 years, minimum monthly income of ₹15000, credit score of 650+.
User Reviews
Ready to Apply for Aqua Gold?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.