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Kotak Privy League Signature

Kotak Mahindra Bank
|
Lifestyle Lounge Access Premium Rewards Travel

Annual Fee

₹10,000

Rewards/₹100 ⓘ

₹1.00 - ₹4.00

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

750+

At a Glance

Key Benefits

4X rewards on travel and dining, golf access, concierge service

Lounge Access

12 domestic + 4 international lounges per year

Eligibility

Privy League customers only, Income: Rs 12L+/year, CIBIL: 750+

Quick Details

Annual Fee
₹10,000 #277
Joining Fee
₹10,000 #275
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹1.00 - ₹4.00 #91
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
12/year #23
International Lounge Visits
4/year #29
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹750
Over Limit Fee ₹500
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹4,00,000/yr

Reward Structure

Base

All Spends

₹1.00 /₹100
Cat

Travel

₹4.00 /₹100
Cat

Dining

₹4.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Travel
8.0 pts
50% ₹0
Dining
8.0 pts
30% ₹0
Other Spends
2.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Airport Lounge Access

Domestic Free
12

visits per year

12 domestic lounge visits per year.

International Free
4

visits per year

4 international lounge visits per year via Priority Pass.

Insurance Coverage

Air Accident

₹2,00,00,000

Rs 2 Cr air accident cover.

Lost Card

₹0

Zero liability on unauthorized transactions.

Purchase Protection

₹2,00,000

Purchase protection within 90 days.

Quick Analysis

The Kotak Mahindra Bank Kotak Privy League Signature is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.

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

Frequently Asked Questions

Who can apply for Kotak Privy League Signature?
This card is available exclusively for Kotak Privy League banking customers with a relationship value of Rs 30 lakhs or more.
What is the annual fee for Kotak Privy League Signature?
Annual fee is Rs 10,000 which can be waived on spending Rs 4 lakhs annually.
What rewards does this card offer?
4X reward points on travel and dining spends, 2X on other categories. Points can be redeemed for flights, hotels, or gift cards.
Does this card offer lounge access?
Yes, 12 domestic and 4 international lounge visits per year are complimentary.
What lifestyle benefits are included?
Complimentary golf rounds, spa access, 24x7 concierge service, and priority customer support.

User Reviews

Our Rating

3.2
APPLY NOW

on Kotak Mahindra Bank's website

Rating Breakdown

Rewards
3.6/5 Top 33%
Benefits
3.7/5 Top 84%
Fees
2.0/5 Top 93%
Value for Money
3.4/5 Top 44%
User Reviews
3.0/5 Top 50%

Important Links

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