Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Bank Privy League Visa Signature Credit Card

    Kotak Bank Privy League takes the concept of Priority Banking a step higher where a select few can avail a wide array of services and products, specially designed to suit their requirements. Coming from the same section, Kotak Privy League Visa Signature credit card will set you a league apart by offering exclusive features. Privy League Signature credit card customers are offered by flexibility to select customized reward schemes and between complimentary and paid cards.

    Build your own financial world and customize features according to your spending pattern with the Privy league credit card.

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    Features of Kotak Privy League Visa Signature Credit Card

    • Flexibility to Choose your own Reward Scheme:

      Depending on if you spend frequently for travel or for shopping, choose your own reward scheme and maximize the reward points that you earn. You can choose between the Traveller's Plan and Shopper's Plan.

    • Traveller's Plan:

      If you choose the Traveller's Plan, you will earn up to 10x reward points for every Rs.100 spent on airlines, travel agencies and hotel. Also, for every Rs.100 spent on retail purchases, you will get 5x reward points.

    • Shopper's Plan:

      For every Rs.100 spent on jewellery, departmental stores, restaurants, apparels and consumer durables, cardholders will be offered 10x reward points under this plan. For all other retail spends, 5X reward points will be offered for Rs.100 billed to the card.

    • Taj Epicure Plus Membership:

      With this unique membership scheme, you will be able to save at least 25% on your bills across Taj Restaurants.

    • Taj Benefits:

      With the epicure plus membership, you can not only save on restaurant bills but also on room rates and spends at Taj Coffee Shops. You will be offered epicure points for spends and also earn special vouchers at bars and restaurants.

    • Free PVR Cinema Tickets:

      As a Kotak Privy League credit cardholder, you are entitled for 4 PVR Cinemas complimentary tickets every quarter which can be redeemed online.

    • Concierge Services:

      Cardholders are also eligible for an array of services from Kotak Mahindra Concierge service like assistance for referrals, hotel reservations, ticket booking and flight ticketing.

    Benefits of Kotak Privy League Visa Signature Credit Card

    • Fuel Surcharge Waiver

      Cardholders can get the 2.5% fuel surcharge waived off when they make fuel purchases across petrol pumps in the country for transactions between Rs.400 and Rs.4000. The fuel waiver for a year is capped at Rs.4500.

    • Train Ticket Surcharge Waiver

      When you book train tickets at IRCTC website, avail a railway surcharge waiver of 1.8% or 2.5%.

    • EMI Options for Costly Purchase

      You can convert your purchases to EMI easily by just calling Kotak customer services.

    • Flexible EMI

      All purchases with transaction value equal to or greater than Rs.3000 which is within 75% of prescribed credit limit can be easily converted to EMI.

    • Balance Transfer

      Customers will not be charged any interest on purchases after balance transfers if transaction amount is fully paid before due.

    • Competitive Interest Rates

      Customers also enjoy an attractive monthly interest rate of 2.49%.

    • Quick Customer Service

      Cardholders now don't have to wait to get their queries answered. Just send an SMS and get a call back within 30 minutes.

    • Travel Assistance

      Emergency travel assistance for hotel bill settlement and ticket booking anytime, anywhere across the globe worth Rs.40,000 for domestic travel and Rs.80,000 for international travel.

    • Lost Card Cover against fraudulent transactions

      Lost card cover for fraud protection worth Rs.1 lakh valid for 7 days before reporting and complete cover protection after reporting.

    • Enviable Privy League Benefits

      Access to other Privy league benefits like free membership to Privy League investment reports, minimal documentation for loan products, preferential pricing for a wide variety of products and lifestyle benefits.

    Eligibility for Kotak Privy League Visa Signature Credit Card

    • This card is available only resident Indians.
    • For joining the Privy League Optima Plan, the customer should have an average quarterly balance of Rs.1 lakh and Rs.30 lakh as group relationship value.
    • Privy League Magma Plan is available at an average quarterly balance of Rs.1 lakh and a group relationship value of Rs.15 lakhs.

    Fees and Charges for Kotak Privy League Visa Signature Credit Card

    Joining Fee The card is available in two variants with a joining fee of Rs.7500 and Rs.5000 respectively.
    Late Payment Charges Rs.100 to Rs.700 depending on the pending amount.
    Over Limit Charges Rs.500
    Foreign Transaction Mark-Up 3.50%
    Lost and Damaged card replacement fee Rs.100
    Interest Charges 2.49%
    Cash Withdrawal and Fund Transfer Charges Rs.300

    How to Redeem the Reward Points?

    Customers can redeem their reward points against a host of options like mobile recharges, air tickets and can choose from over 10,000 merchandise. The reward points can be redeemed online easily. Alternatively, you can also contact the customer service centre to get the auto redemption feature.

    FAQs on Kotak Privy League Visa Signature Card

    1. Am I eligible for interest free credit period on retail and cash transactions?

      Yes, you are eligible for an interest free credit period. For retail transactions, the period is up to 48 days starting from beginning of billing cycle till payment due. For cash transactions, there is no facility of interest free credit period and the interest starts accumulating from the date of cash withdrawal.

    2. Am I offered any insurance with Kotak Privy League Credit Cards?

      Yes, Kotak Credit card comes with insurance for lost or stolen cards against fraudulent transactions. For this credit card, the sum insured is Rs.2.5 lakhs.

    3. What is the maximum railway surcharge waiver that I get?

      You get a maximum of Rs.500 annually as Railway Surcharge Waiver.

    4. What advantages do I gain from the Wallet Assist Power Plan that comes with this card?

      With the Wallet Assist Power Plan, you can block lost/stolen cards by calling a 24/7 helpline. You also get emergency travel assistance up to Rs.80,000 (for foreign transactions) and emergency cash up to Rs.25,000 in India. Lost card protection and online locker for storage of important documents at no extra cost are some of the other benefits.


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