Kotak Bank Lifetime Free Credit Cards

1. 811 #DreamDifferent Credit Card

1. Kotak UPI RuPay Credit Card
2. Kotak Corporate Platinum Credit Card
3. Kotak Corporate Wealth Signature Credit Card
4. Metro Kotak 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

Reward Points

1. Earn four reward points for every Rs. 100 spent online
2. Earn one reward point for every Rs. 100 spent on other transactions

Interest-free Cash Withdrawal

1. Withdraw up to 90% of your total credit limit as cash
2. A processing fee of Rs. 100 is charged per ATM withdrawal, and funds transfer
3. Enjoy up to 48 days of interest-free cash advances

Balance Transfer

1. Processing fee of Rs. 349 for every Rs. 10,000 transferred
2. Maintain an interest-free period on new retail purchases
3. Easy and instant balance transfers by simply calling us

Add-on Card

1. Your add-on card offers the same benefits as your primary card
2. Set custom spend limits for each add-on card
3. Track individual spending for all your add-on card

Fuel & Railway Surcharge Waiver

1. Earn a 1% waiver at petrol pumps for transactions between Rs. 500 and Rs. 3,000 (up to Rs. 3,500 annually)
2. 1.8% waiver on irctc.co.in transactions and 2.5% waiver at Indian Railway booking counters (up to Rs. 500 annually)

Eligibility Criteria

1. The primary cardholder must be between 18 and 75 years of age, while add-on cardholders must be 18 or older
2. Minimum Fixed Deposit required: Rs. 5,000
3. Only individual Term Deposits are eligible
4. Applicant must be a resident of India
5. NRI customers can apply only through the offline process

Kotak UPI RuPay Credit Card

Experience seamless UPI transactions using your Kotak UPI RuPay Virtual Credit Card on your preferred UPI apps.

Earn Reward Points

1. Earn three reward points for every Rs. 100 spent
2. No cap on the number of reward points earned per statement cycle
3. Reward points are earned on both UPI and regular credit card transactions
4. A 1,000 reward points equal to Rs. 100
5. A minimum of 1,000 reward points is required for redemption

Eligibility

1. The customer must be at least 18 years old
2. Must be an existing Kotak Credit Cardholder
   

Kotak Corporate Platinum Credit Card

1. High Reward Points: Earn valuable reward points on every transaction, allowing you to make the most of your money
2. Easy Redemption:
   1. Redeem points by contacting customer service
   2. Redeemable every quarter with cash rebates via demand draft
3. Fuel Surcharge Waiver:
   1. Waiver on fuel transactions between Rs. 500 and Rs. 3,000
   2. Maximum waiver of Rs. 3,500 per year
4. Railway Surcharge Waiver:
   1. Waivers for IRCTC and Indian Railways bookings
   2. Maximum waiver of Rs. 500 per year
5. Airport Lounge Access: Earn two lounge visits per quarter with the Visa airport lounge offer (primary cardholder only)
6. Employee Ease: Employees can spend using the corporate card, and the company will settle payments
7. Corporate Control: Track employee spending patterns for better control, budgeting, and savings
8. Global Acceptance: International credit cards are accepted by over 10 million merchants worldwide
9. Interest-free Funds: Up to 48 days of interest-free credit, functioning similarly to an overdraft facility
10. Customisable Limits: Corporates assign card limits for employees, which can vary based on hierarchy or designation
11. Simplified Expense Management:
    1. Use the card for business-related expenses like conferences, meetings, and events
    2. Consolidated payments are made by the employer, with no need for individual payments
12. Email Statements: Monthly email statements for employees' reference and ease of tracking
13. Expense Analysis & Management: Vendor-wise tracking, budgeting, and statistical data were provided for detailed spending analysis
14. Adherence to Travel Policies: Ensures adherence to corporate travel and expense policies, reducing fraudulent claims and slippages
15. Hassle-free Spending: No need for cash advances, eliminating the burden of tracking vouchers or travel tickets
16. Dedicated Service Manager: Personalised service for corporate cardholders, providing quick assistance for lost or stolen cards or account details
17. Program Administrator: A liaison between Kotak and the company, addressing queries on payments, lost cards, or damaged cards
18. Real-time Alerts: Free SMS and email alerts for all transactions
19. Free Card Replacement: Replace damaged or lost cards at no extra charge, anytime

Kotak Corporate Wealth Signature Credit Card

1. Higher Cashback: Earn substantial cashback on your Kotak Corporate Wealth Signature Credit Card transactions
2. Interest-free Funds: Benefit from up to 48 days of interest-free credit, similar to an overdraft facility
3. Hassle-free Spending: No need to carry cash as corporate expenses are directly paid by the company
4. Fuel Surcharge Waiver:
   1. A waiver is applicable on fuel transactions between Rs. 500 and Rs. 3,000
   2. Maximum waiver of Rs. 3,500 per calendar year
5. Railway Surcharge Waiver:
   1. Save on surcharges for railway bookings on IRCTC and Indian Railways counters
   2. Maximum waiver of Rs. 500 per year
6. Easy Redemption: Redeem your reward points every quarter by contacting the Customer Service Desk. Rebates are credited in the next billing cycle
7. Airport Lounge Access: Enjoy two complimentary visits per quarter to Dream Folks Lounges in India, complete with gourmet meals, comfortable seating, free Wi-Fi, and more
8. Universal Acceptance: The card is accepted by over 10 million merchants worldwide, making it ideal for international use
9. Business Expenses Made Easy: Use the card for business-related expenditures, such as conferences, meetings, and sales events
10. Employee Convenience: You can spend with ease without any late fees or dues, as the company handles all corporate expenses
11. Company Control: Gain better control over spending, budgeting, and savings, with full monitoring of employee spending patterns
12. Expense Management via Kotak Visa Intellilink: Track vendor spending and analyse detailed statistical data for budgeting purposes. Retrieve insights on where and how much each employee spends
13. Personalised Company Name: Customise your card with your company's name, differentiating corporate cards from personal ones
14. Set Card Limits: The company receives an overall limit, which can be distributed among employees based on hierarchy, designation, or company policy
15. Consolidated Payment: One simplified payment for all employee corporate cards with no need for individual payments
16. Dedicated Service Manager: Enjoy personalised assistance from a dedicated manager who provides quick access to card details and limits and helps with lost or stolen cards
17. Real-time Alerts: Stay informed with free SMS and email alerts for all transactions

Metro Kotak Credit Card

Save up to 1% on Metro spends, with a cap of Rs. 10,000 per statement cycle.

Cashback Structure:

1. Spend Rs. 10,001 to Rs. 30,000: 0.25% cashback
2. Spend Rs. 30,001 to Rs. 5 lakh: 0.50% cashback
3. Spend above Rs. 5 lakh: 1% cashback

Activation Benefit:

1. Earn up to Rs. 500 cashback on your first swipe within 30 days of card issuance (valid for a transaction of Rs. 10,000 in a day)
2. Simplifies purchasing with easy streamlining options

Eligibility Criteria:

1. Primary cardholder age: 18 to 65 years
2. Must be a resident of India
3. Applicable for self-employed individuals, proprietors, and partners of partnership firms
4. Valid in all credit card sourcing locations
5. Must hold a valid Metro Membership to access this benefit

How to Apply for Kotak Lifetime Free 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

Credit cards make payments easy for all expenses online and offline while offering various benefits

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