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    Kotak Bank Fortune Gold Credit Card

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    Kotak Bank Fortune Gold Credit Card

    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    • The cash withdrawn is interest free up to 48 days, which implies you’ve ample time to repay and save on interest charges. Also, you just pay Rs.199 per Rs.10,000 withdrawn as cash advance fee.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
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      I have got the KOTAK PVR GOLD CREDIT CARD within a week time. The customer support service and the response is good with the kotak mahindra bank. the credit limit value is good with this card and I am satisfied with it. I get the benefits reward points and the cash back offers from this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The service is good with the kotak mahindra bank and I use the Kotak urbane gold credit card for the past 5 years. The benefits and the offers are not up to the mark with the Kotak mahindra bank , but their customer support service and the response is good with the kotak mahindra bank.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak bank were i am happy with the limit. I have received reward points and cash back after the purchases. I have not used the points till now.The customer service is good. EMI option are available with Kotak credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 20, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The kotak mahindra bank gave me good service in regards to my credit card application. They have delivered the credit card within 15days of time. The customer support service and the response is good with the Kotak mahindra bank .I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra and i am satisfied with the current limit.For the purchases i get reward points and cash back . And i have redeemed my reward points. The mobile banking is comfortable . The customer service and response is fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. I am satisfied by the credit limit which is Rs. 33,000/-. I didn't faced any online issues like otp issues when i tried to make online payments and funds transfer by net banking.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "best product"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. The application process very simple and easy. I am totally satisfied by their credit limit which is Rs. 45,000. The customer support is good and well response.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. There is a annual fee of 2500. The customer services and response is excellent. Though the fee is high. There are good deals on the card. There is a cash back of 10% on dining and restaurant and movie tickets and also on shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have a Kotak Mahindra PVR gold card from last 1 year, i get offers like movie tickets on this credit card and they did not charge any annual fee at the time of getting this credit card. I am happy with the credit limit in this card and i use mobile banking for making bill payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "service is good"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. The application process very simple and easy. I had mobile application to monitor my credit card history. Even i can check my available credit limit and un billed amount too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Kotak Visa credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a VIsa credit card with Kotak and for EMI conversion the rate of interest is 14%. I used to get reward points and cash back with the card. There is an annual charge and will be reversed if the purchase is above 30000. I am comfortable with mobile banking.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using Kotak Mahindra credit card from last 2 years, the credit card services are not up to the mark with Kotak. Net banking is easy to make bill payments and this is a lifetime free credit card. I did not find any offers so far with this card and the credit limit is sufficient in this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      I have been using the kotak essentia platinum credit card for more than 2months the credit card is very good in service and customer service is also very good the cooperation with the banking is very good this is excellent credit card to use all the time.
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      When I got call from the kotak , the card which they were about to offer me was life time free, but when I got the : KOTAK PVR GOLD CREDIT CARD they have charged me Rs,499 as annual fee to this card. The promises need to be fulfilled by the Kotak mahindra bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with Kotak Mahindra bank. The service is good with Kotak Mahindra bank. The rate of interest and charges are good with Kotak. The credit limit of Kotak is nominal compared to others in the market. I uses Kotak Mahindra online net banking which is easy to use. It was an fine experience with Kotak Mahindra credit card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      The credit card service was good and I have got the KOTAK PVR GOLD CREDIT CARD in 45 days of time. They took higher than normal time to deliver the credit card. The credit limit value is average with this card and I had applied for the different card but the card which I got is different.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Better service"
      0.5 5.0/5 "Blown Away!"
      The Kotak mahindra bank credit card service is good and I have got the kotak credit card in a month time ,Kotak took higher than normal time. The credit limit value is low with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • Kotak Credit Card
      "Average service"
      0.5 5.0/5 "Blown Away!"
      The credit card process was good quite good with the Kotak mahindra bank. I have got the KOTAK PVR GOLD CREDIT CARD in 10 to 15days of time. The credit limit value is low with this card, when compared with the other credit cards. The customer support service need to be focused with the Kotak mahindra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. The customer services and response is good and there are no hassles in the process. I am also happy with the credit card offers and the credit limit. I also get the statements on time. Overall no issues.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 14, 2018
    • Kotak Credit Card
      "Can be more responsive"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Kotak Mahindra bank. The offers and credit limit is good. But there is no proper response. They need to work on that, and be more responsive when I approach them with a query. The statements and limit is good and there are no hassles in that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 14, 2018
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