Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Kotak Bank Fortune Gold Credit Card

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    Kotak Bank Fortune Gold Credit Card

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    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Kotak Mahindra bank, India’s leading private sector bank offers a wide range of credit card products in the country to suit the needs of various kinds of customers. The bank extends a plethora of card options in categories such as Shopping, Lifestyle, Corporate, Dining/Entertainment and NRI. It also offers cards like the Kotak Fortune Gold Card, rich on benefits and helps you save on fees and charges for specific transactions.

    The Fortune Gold Card offers a basket of benefits such as cash withdrawals without interest charges, fuel surcharge waiver, 0% balance transfer and no annual fees. If you’re someone who makes frequent cash advances or tanks up frequently with credit cards, this card is custom made for you.

    Kotak Fortune Gold Credit Card Benefits:

    • The cardholder can not only make cash withdrawals at Kotak and other Visa ATMs, but can also get cash and initiate funds transfer at branches, request for a Demand Draft online and offline. With so many options, you will never run out of choices to get cash.
    • The cash withdrawn is interest free up to 48 days, which implies you’ve ample time to repay and save on interest charges. Also, you just pay Rs.199 per Rs.10,000 withdrawn as cash advance fee. These facilities are available all round the year.
    • If you frequently purchase fuel with credit cards, enjoy maximum savings with the Kotak Fortune Gold card. Fuel Surcharge is waived for transactions between Rs.500 to Rs.3,000. The maximum waiver allowed in a calendar year is Rs.3,500.
    • Transfer balances from other credit cards at a processing fee of just Rs.349 per 10,000. At nominal interest charges, you end up saving a considerable amount. The balance transfer option is instant & easy, just a call away.

    Kotak Fortune Gold Credit Card Features:

    • Add On or Supplementary cards are available for your loved ones. Freeze limits on each card and track spends separately for each card using netbanking. The benefits and features remain the same as the Primary card.
    • The Fortune Shield insurance cover option from Kotak ensures protection against fraudulent transactions. Get a cover of Rs.50,000 against fraudulent usage, up to 7 days pre- reporting.
    • The cardholder also qualifies for 4 free tickets from PVR or Rs.750 as cash back if the total spends in a calendar year exceed Rs.1,50,000.

    Eligibility and Documentation:

    This card is only available for Businessmen from Ahmedabad, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Chandigarh, Navi Mumbai, Pune and Bengaluru.

    • The primary card applicant should be atleast 18 years and not above 65 years.
    • The credit card aspirant should be a resident of India.
    • Minimum annual income from business should be atleast Rs.3 lakhs.

    Fees and Charges:

    Joining Fee Waived
    Annual Fee Nil
    Late Payment ChargesRs.100 to 700, depending on the O.S balance
    Over limit FeeRs.500
    Cash Withdrawal Fee Rs.199 for every Rs.10,000 withdrawn
    Add On cardRs.299 per card

    Kotak Fortune Gold Credit Card FAQs:

    1. Is the Kotak Fortune Gold card available for salaried individuals?

      No. This card is tailor made and available only to self employed businessmen. You can look at other card options from Kotak available in various categories such as Shopping, Dining and Entertainment, Lifestyle etc.

    2. I am a businessman and would like to apply for the Kotak Fortune Gold card for my daily procurement expenses. How much is the Annual fee?

      As the card is designed to meet the daily needs of businessmen, there is no Joining or Annual fee billed on this card for a lifetime. Plus, Supplementary cards are available at an Annual fee of just Rs.299.

    3. How do I transfer funds online from my Fortune Gold Card account?

      The bank gives you an exclusive option of transferring funds from your credit card account into any of the existing Kotak Mahindra bank accounts. Simply walk into the nearest banking branch with your credit card, provide a valid ID proof and request for a funds transfer by filling up the relevant forms.

      You can also log on to KotakCards.com to initiate a funds transfer online, by using your login credentials. The transfer can only be made into a Kotak bank account in your name.

    4. What type of card is the Fortune Gold Card?

      This card is categorised as Visa Gold, accepted internationally.

    5. Is there an interest free period for retail purchases?

      Yes. Retail purchases are not billed interest charges for up to 48 days from the time of successful transaction.

    6. What is the transaction limit to qualify for fuel surcharge waiver?

      The minimum amount is Rs.500 with an upper cap of Rs.3,000 for a single swipe to qualify for the waiver.

    7. Can I earn reward points for purchases and other transactions?

      The reward points program is not available for this card.

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  • Kotak Bank Fortune Gold Credit Card Reviews

    • Kotak Credit Card
      "Very worst service"
      0.5 0.5/5 "Unacceptable"
      I am using urbane Kotak credit card but very pathetic customer service from Kotak ... wrong charges up to 3000 for my card also no fuel surcharge & offers. I want to use another banks credit card like hdfc,icici. Customer service is very bad as no one hears customer problems.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 18, 2017
    • Kotak Credit Card
      "Very worst service "
      0.5 0.5/5 "Unacceptable"
      I am using Urbane Kotak credit card but very pathetic customer service from Kotak ... wrong charges up to 3000 for my card also no fuel surcharge & offers. I want to use another banks credit card like HDFC,ICICI. Customer service is very bad, as no one hears customer problems.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 16, 2017
    • Kotak Credit Card
      "Its Fine"
      0.5 4.0/5 "Great!"
      I use Kotak Mahindra urban credit card, they not taking any annual fee. Since I am a privilege customer of Kotak mahindra, they gave many offers in hotel, flight booking etc. Credit limit is also good but it was not as per my expection but looking some more enhancement on card.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 10, 2017
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a platinum visa credit card with Kotak Mahindra. They are pretty good in their services.I like the visibility of my card the credit limit they have offered is 15000 rupees and its been more than a year and its a life time free card and I often use this card for online shopping purposes
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 10, 2017
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for a credit card and the services has been good till date. There has good offers given to me on a regular basis and it is a life time free card. They have offered me this card like 1.5 years back but I have not used this card that much and the credit limit they have offered is 35k
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 07, 2017
    • Kotak Credit Card
      "Wonderful "
      0.5 5.0/5 "Blown Away!"
      I would like to say , Kotak mahindra bank credit card is best one like its a flexible one to dealt with. Customer service and other things with them was really very good and am using this credit card from the last two years of time. I am happy with this Kotak mahindra bank credit card.
      Was this review helpful? 0
      , mysore
      Reviewed on Jul 06, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good. When ever I use my card I earn points and the points can be redeemed as well. There are a lot of discounts online. The EMI features are flexible and the most of Kotak Mahindra Bank has given me a decent credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 06, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with Kotak Mahindra bank and the customer services are good. The card has a decent credit limit and it is accessible all over. The bank is responsive when ever I reach out to to them to clarify the details. There are no extra charges taken and the statements are clear.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 05, 2017
    • Kotak Credit Card
      "No Response"
      0.5 3.0/5 "Satisfactory"
      Recently, I had applied for the credit card of Kotak Mahindra bank. But the bank did not say anything about my loan application. I do not know the status of my application. Though I am an existing customer of Kotak Mahindra bank, my application was ignored by the bank. It would be better if the bank is more responsive on the customers application.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak Mahindra Bank and the deals on the card are nice. I was constantly informed about it through calls and emails. There are no charges and the statements were sent to me on time which in turn enabled me to make the payment on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 30, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      The credit card experience has been good from Kotak Mahindra bank. The offers and the credit limit is up to my expectations. There has not been any inconvenience till date and my card is acceptable at all outlets and online as well. There are no extra charges.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 25, 2017
    • Kotak Credit Card
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 1.0/5 "Really Bad"
      I got Visa credit card with Kotak Mahindra. I hold this card for past 1 year. I don't get credit points, reward points,cash back offers with this card. I don't use this card even for shopping as well. The rate of interest is high when compared with others. The credit limit can be increased in future. The banking and the customer service need to be improved with Kotak Mahindra bank.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 22, 2017
    • Kotak Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the Kotak Mahindra bank because it provides more benefits like cash backs while swiping for movie tickets and fuel purchase in outlets. As far, I have experienced the response is fine one with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • Kotak Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Kotak mahindra bank credit card is good one and am using it from the last four years of time. Credit limit value is good one with them, also I have not faced any issues with them, also I used to get the offers like PVR tickets for movies, also they have credit limit up to 1.1 lakh Rupees.
      Was this review helpful? 1
      , thane
      Reviewed on Jun 21, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      This is a chargeable credit card with Kotak Mahindra Bank. The bank offered good credit limit and they promised me to increase the limit in another two months of time. I did not have any problem with the bank. I am quite happy with the bank especially when it comes to credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 20, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The line of credit on my KOTAK credit card is satisfactory, but the bankers have called to enhance the limit, I don't require much. Services are very good with them and the response too. I am having this credit card from the last two year of time, also I have not found any drawback with them till date.
      Was this review helpful? 0
      , surat
      Reviewed on Jun 19, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.5/5 "Pretty good"
      I have very less credit limit with the Kotak mahindra bank credit card and I got it when I have started my career. Service aspects and other aspects are nominal one. I am using this credit card from the last three years of time. Payment option and other things are good one.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 17, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.0/5 "Satisfactory"
      I do hvae credit card with the Kotak mahindra bank and the cooling period is around a month of time to make the premium. I have got the PVR credit card and I used to get the movie ticket as two for every month. Credit limit value is around 35000 Rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Not Responsive"
      0.5 1.0/5 "Really Bad"
      I am not at all happy with Kotak Mahindra Bank in terms of credit card. Even I hold savings account with the same bank, that is also not satisfactory. The annual fee is 500 rupees but there is no reward points and cash back offers on my card. Actually I was not in a need of credit card but the bankers forced me to get the card. Recently I faced some problem with the bank, due to which my credit card been blocked.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
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