Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Mahindra Bank Lifetime Free Credit Card

    Kotak Mahindra Bank offers many credit cards which are curated to cater for the needs of all types of customers. Among these many credit cards, they are some Kotak credit cards which come with zero annual fees or joining fees and are lifetime free.

    Kotak Mahindra Lifetime Free Credit Card

    • 811 #DreamDifferent Credit Card
    • Fortune Gold Credit Card
    • Best Price Credit Card
    • Wealth Management Infinite Credit Card
    • Corporate Wealth Signature Credit Card

    Kotak 811 #DreamDifferent Credit Card

    The Kotak 811 #DreamDifferent Credit Card is a lifetime free credit card that offers various benefits across categories such as reward points and cashback.

    Features and Benefits of the 811 #DreamDifferent Credit Card

    • Earn 2x reward points on online spends.
    • Get 500 reward points as a welcome benefit on activation.
    • Interest free cash withdrawal.
    • Cashback of Rs.750 on annual spends of Rs.75,000.

    Reward Points of the 811 #DreamDifferent Credit Card

    • 1 reward point for every Rs.100 spent on other spends.
    • 2x reward points for every Rs.100 spent on online spends.

    Fees and Charges of the 811 #DreamDifferent Credit Card

    Type of Charge Fee
    Annual fee Nil
    Joining fee Nil
    Add-on card fee Nil
    Interest rate on outstanding balance 2.99%
    Minimum amount due 5% or 10%
    Overlimit charge Rs.500
    Late payment charge
    • If the outstanding balance is less than or equal to Rs.500 - Rs.100
    • Between Rs.501 and Rs.10,000 – Rs.500
    • More than Rs.10,000 – Rs.700
    Cheque bounce charge Rs.500

    Kotak Mahindra Bank Fortune Gold Credit Card

    The Kotak Fortune Gold Credit Card offers many benefits such as interest-free cash withdrawals, fuel and railway surcharge waiver, and more.

    Features and Benefits of the Fortune Gold Credit Card

    • Simple cash access.
    • Interest-free cash withdrawals.
    • Balance transfer facility.
    • Insurance cover of Rs.50,000 in case of theft of card.
    • Spend-based free movie tickets from PVR Cinemas.

    Fees and Charges of the Kotak Fortune Gold Credit Card

    Type of Charge Fee
    Annual fee Nil
    Joining fee Nil
    Add-on card fee Rs.299 per card
    Interest rate on outstanding balance 3.50%
    Minimum amount due 5% or 10%
    Foreign Currency Mark-up 3.5%
    Overlimit charge Rs.500
    Late payment charge
    • If the outstanding balance is less than or equal to Rs.500 - Rs.100
    • Between Rs.501 and Rs.10,000 – Rs.500
    • More than Rs.10,000 – Rs.700
    Cheque bounce charge Rs.500

    Kotak Best Price Credit Card

    The Kotak Best Price Credit Card is a co-branded credit card in partnership with Wal-Mart and offers benefits that would give a boost to your business. The card has been exclusively curated for Best Price Modern Wholesale stores.

    Features and Benefits of the Best Price Credit Card

    • 14-day credit cycle which refreshes on every transaction.
    • 2 free add-on credit cards.
    • No joining or annual fee.
    • Add-on cards offer the same benefits as the primary credit card.

    Fees and Charges of the Kotak Best Price Credit Card

    Type of Charge Fee
    Annual fee Nil
    Joining fee Nil
    Interest rate on outstanding balance 3.40%
    Cheque bounce charge Rs.500
    Add-on card fee Nil
    Minimum amount due NA
    Foreign Currency Mark-up N/A
    Overlimit charge Rs.500
    Fee of for cash payment at bank Rs.100

    Kotak Wealth Management Infinite Credit Card

    The Kotak Wealth Management Infinite Credit Card offers a wide range of benefits that are specifically curated to fit the needs of the cardholder. Customers can personalise their credit cards, get access to international events and avail gold privileges as well.

    Features and Benefits of the Wealth Management Infinite Credit Card

    • Personalised design for the card.
    • Credit limit of up to Rs.10 lakh.
    • Access to prestigious international events.
    • Complimentary access to golf courses around the world.

    Fees and Charges of the Kotak Wealth Management Infinite Credit Card

    Type of Charge Fee
    Annual fee Nil
    Minimum amount due 5% or 10%
    Joining fee Nil
    Interest rate on outstanding balance 3.10%
    Cheque bounce charge Rs.500
    Late Payment charges
    • If the outstanding balance is less than or equal to Rs.500 - Rs.100
    • Between Rs.501 and Rs.10,000 – Rs.500
    • More than Rs.10,000 – Rs.700
    ATM cash withdrawal Rs.300
    Add-on card fee Nil
    Foreign Currency Mark-up N/A
    Overlimit charge Rs.500
    Fee of for cash payment at bank Rs.100

    How to Apply for Kotak Mahindra Banks Credit Cards Online

    To apply for the Kotak Mahindra Bank Lifetime Free Credit Cards, here are the steps you can follow:

    • Step 1: Visit the official website of Kotak Mahindra Bank.
    • Step 2: Click on the ‘credit card’ section.
    • Step 3: Browse from a range of credit cards and select the card suitable for you.
    • Step 4: Click on ‘Apply Now’.
    • Step 5: Fill in the required details.
    • Step 6: Once submitted, a representative of the bank will get in touch with you.

    Kotak Mahindra Lifetime Free Credit Card FAQs

    1. Will Kotak Mahindra Bank charge any annual fee from the second year for the credit cards?

      For the above list of Lifetime Free Credit Cards, Kotak Mahindra Bank will not charge any annual fee.

    2. How long does it take for the credit card application to be verified?

      It may take up to 7 working days for your credit card application to be verified by the bank once you have submitted all the required documents.

    3. Are all add-on credit cards given free of cost?

      No, for some credit cards, such as the Fortune Gold Credit Card, add-on credit cards will come at a nominal fee of Rs.299.

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