Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 6 Kotak Mahindra Bank Credit Cards
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    Kotak Mahindra Bank Credit Cards is Rated as "Great!" by 3190 Users

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    Kotak Mahindra Bank Credit Cards

    If you are looking for a credit card that offers premium benefits and distinct advantages on multiple categories, the cards offered by the Kotak Mahindra Bank need to be explored. They offer features that suit the needs of a wide spectrum of customers.

    Each of these cards has been specially designed to deliver a superior experience of financial freedom alongside the associated perks.

    Top 5 Kotak Mahindra Credit Cards In 2019

    Although it's not that easy to filter the top cards from multiple tempting options, we have curated a list of the top 5 Kotak Mahindra credit cards and each card would certainly prove to be a highly wonderful financial tool for you.

    (*You can apply for any of these cards on the BankBazaar website since it is an official partner of the Kotak Mahindra Bank for offering these cards)

    Kotak Mahindra Credit Card Variant Annual Fee Suitable For
    Kotak Royale Signature Credit Card Rs.999 Travel/Lifestyle
    Kotak Essentia Platinum Credit Card Rs.749 Shopping (Everyday)
    Kotak PVR Gold Credit Card Rs.499 Entertainment (Movies)
    Kotak PVR Platinum Credit Card Rs.999 Entertainment (Movies)
    Kotak Delight Platinum Credit Card Rs.299 Lifestyle

    Features and Benefits Of The Top 5 Kotak Mahindra Credit Cards

    Kotak Royale Signature Credit Card

    Key Highlights: Enjoy features like fuel surcharge waiver, access to premium airport lounges, customizable reward options, and priority assistance. Additional benefits include add-on cards and an insurance cover against fraudulent transactions.

    Joining Fee: NIL

    Renewal Fee: Rs.999

    Joining Bonus: Up to 30,000 bonus points on annual spends of Rs.8 Lakhs.

    Features and benefits:

    • 4X reward points for every Rs.150 spent on special categories. 2X reward points on all other categories.
    • 10,000 reward points on annual spends of Rs.4 lakh and 30,000 reward points on annual spends of Rs.8 lakh.
    • 2 complimentary access per quarter to airport lounges within India and unlimited paid access to all the participating lounges.
    • Contactless and therefore a faster and safer way of payment through the Visa payWave technology.
    • A cover of Rs.2.5 lakh against fraudulent usage of the card.

    Rewards redemption option: A host of redemption options like air tickets, merchandise products, and mobile recharge with auto redemption facility that makes every purchase more rewarding.

    Suitable for: Those who want to experience premium privileges on day-to-day transactions as well as on domestic and international journeys.

    Kotak Essentia Platinum Credit Card

    Key Highlights: Enables you to earn some of the best rewards in daily spends. It also gives you 10% savings on all your swipes at departmental and grocery stores.

    Joining Fee: Rs.1499

    Renewal Fee: Rs.749

    Joining Bonus: 2 BookMyShow vouchers on the 1st swipe.

    Features and benefits:

    • 10 saving points for every Rs.100 spent at grocery and departmental stores. Each point is valued at Rs.1.
    • The option to earn 1 saving point for every Rs.250 spent on other categories (non-departmental and non-grocery).
    • Access to priority customer service with KASSIST by simply sending SMS KASSIST to 5676788 from your registered mobile number.
    • Add-on cards are provided with the same benefits and features as the primary card. You may also set individual limits on each card and track spends on them.
    • Under the Milestone Feature, you are eligible to get 6 free tickets from PVR or 1200 reward points for spends over Rs.1.25 lakh in 6 months.

    Rewards redemption option: The accumulated saving points can be redeemed for cash, airline tickets, Air Miles, movie tickets, mobile recharge, and branded merchandise.

    Suitable for: Frequent shoppers - both online and offline.

    Kotak PVR Gold Credit Card

    Key Highlights: It's loaded with special benefits and rewards for individuals who frequent multiplexes. Along with other rewarding offers, it gives you up to 24 complimentary movie tickets per year.

    Joining Fee: NIL

    Renewal Fee: Rs.499

    Joining Bonus: 1 PVR voucher code on your first swipe.

    Features and benefits:

    • 1 complimentary PVR movie ticket on monthly spends of Rs.10,000 and 2 complimentary PVR movie tickets on monthly spends of Rs.15,000.
    • An annual insurance cover of up to Rs.50,000 through PVR Shield.
    • The option of add-on cards and the flexibility of fixing the spending limit accordingly.
    • Shop anywhere in the country and get free PVR movie tickets.

    Using the Kotak PVR coupon: Visit https://www.pvrcinemas.com to use the coupon code and get your free movie tickets.

    Suitable for: Movie buffs.

    Kotak PVR Platinum Credit Card

    Key Highlights: This card gives you as many as 24 free PVR tickets to your favourite blockbuster movies every year along with offer exclusive benefits.

    Joining Fee: NIL

    Renewal Fee: Rs.999

    Joining Bonus: 1 PVR voucher code on your first swipe.

    Features and benefits:

    • 2 complimentary movie tickets every month on monthly spends of Rs.10,000.
    • An annual insurance cover of up to Rs.75,000 through PVR Shield.
    • The option of add-on cards and the flexibility of fixing the spending limit accordingly.
    • Shop anywhere in the country and get free PVR movie tickets
    • Contactless payment facility at merchant locations for a safer transaction.

    Using the Kotak PVR coupon: Visit https://www.pvrcinemas.com t o use the coupon code and get your free movie tickets.

    Suitable for: Movie buffs.

    Kotak Delight Platinum Credit Card

    Key Highlights: It acts as a key for you to access a wide range of discounts, exclusive deals, and waivers. It also enables you to avail cashback offers on dining out and travel.

    Joining Fee: Rs.1,999

    Renewal Fee: Rs.299

    Joining Bonus: 2 BookMyShow vouchers on the 1st swipe

    Features and benefits:

    • 10% cashback on dining and movie tickets on spends of Rs.10,000 for transactions excluding dining and entertainment.
    • Fuel surcharge waiver on transactions in between Rs.400 and Rs.4000.
    • Annual insurance cover of up to Rs.1.25 lakhs through Delight Shield.
    • The option of add-on card and the flexibility of fixing the spending limit accordingly.
    • Contactless payment facility at merchant locations for a safer transaction.

    Suitable for: People using their credit card for daily expenses.

    Eligibility To Apply For Kotak Mahindra Credit Cards

    Although the application criteria depend on the card that you want to apply for, there are certain common factors that the bank checks to decide on your application. These include your income, credit score, and the income to expense ratio.

    Some of the common eligibility criteria are listed below

    Criteria Salaried Individuals Self-employed
    Age 21 to 65 years 21 to 65 years
    Resident Indian Indian
    Age of add-on cardholder 18 years
    For the Royale Signature Credit Card, the minimum annual income is Rs.24 lakhs. For the other cards, check it on the eligibility section on the BankBazaar website. Also, most of these cards are available only in select major cities in India .

    You can check with the bank for the precise set of the required documents to apply for the card.

    Check Your Eligibility For the Kotak Mahindra Credit Cards Online

    Do the following for checking the eligibility for your desired Kotak Mahindra credit card on BankBazaar.com

    Documents Required To Apply For Kotak Mahindra Credit Cards

    You will have to submit documents like your identity proof, address proof, income proof, etc. as asked by the bank. You will be informed about the exact list at the time of applying for the card.

    How To Apply For Kotak Mahindra Credit Cards Online?

    You can apply for your desired Kotak credit card directly here on the BankBazaar website. It's a paperless and fast process that also allows you to upload the necessary documents. You also get other benefits like checking your credit score for free, instant approval of your application, free gifts, etc.

    Just follow the steps to apply for Kotak Mahindra credit cards

    • Because you are on already on the Kotak credit card page, click on 'Eligibility' against the card that you want.
    • Answer the set of questions that appears
    • If it's established that you are eligible for the card, you would automatically land on the online card application page.
    • Here, you have to enter the correct details in the appropriate fields and click 'Submit'.
    • Next, you will need to upload all the documents that you are asked for and click 'Submit'.

    Once you successfully perform the above steps, you would get an 'Application ID' using which you can track your application by visiting the ' Track Application ' page.

    Why Apply For Kotak Credit Cards via BankBazaar?

    Applying for a credit card can be a stressful and often, confusing process. But, there is an easy way to simplify that. All you need to do is go to Bankbazaar, a unique platform which consolidates all information related to your preferred Kotak Mahindra credit cards in one place. Right from researching about all the different credit cards offered by Kotak Mahindra, you can also compare different cards and pick the one which suits your requirements. Furthermore, you can easily check your eligibility for your preferred card and apply directly through the website. Bid goodbye to the hassle of having to run to the bank and having to go to multiple bank representatives, just to get the simple process of applying for a credit card in motion.

    How to Apply For Kotak Credit Cards Via BankBazaar?

    It is incredibly easy to apply for your preferred Kotak Mahindra credit card via Bankbazaar. Following are the simple steps involved.

    • Head over to the BankBazaar website and click on the tab labelled ‘Credit Cards’.
    • Once you click on that, you will re-directed to a page which displays a list of credit cards
    • classified bank-wise. Once you have selected your preferred Kotak Mahindra credit card, you need to check whether or not you’re eligible to apply for it. For this, simply click on the tab labelled ‘Check Eligibility’.
    • Having checked your eligibility for the chosen Kotak Bank credit card, you can choose to apply for the card by clicking on the ‘Apply Now’ tab. And that’s all it takes!

    Reward Points On The Top Kotak Mahindra Credit Cards

    The credit cards mentioned above offer some of the best and most tempting reward points programs to their users. The points can be accumulated on various popular categories and redeemed for attractive and useful options.

    Below are some of the best regular and accelerated reward points program offered by the Kotak credit cards.

    Kotak Mahindra Credit Card Variant Regular reward/saving points/ other rewards Accelerated reward points
    Kotak Royale Signature Credit Card For every Rs.150 spent, you get 2X reward points For every Rs.150 spent on special categories, you get 4X reward points
    Kotak Essentia Platinum Credit Card For every Rs.250 spent, you get 1 saving point For every Rs.100 spent at departmental and grocery stores, you get 10 saving points
    Kotak PVR Gold Credit Card 1 PVR movie ticket for free on monthly spends of Rs.10000 2 PVR movie tickets for free on monthly spends of Rs.15000
    Kotak PVR Platinum Credit Card 2 PVR movie tickets for free on monthly spends of Rs.10000

    Beside these reward points, you can also avail milestone bonus rewards, annual bonus rewards and other such offers on the Kotak credit cards.

    Other Kotak Mahindra Credit Cards

    Apart from the cards listed above, there are other credit cards offered by the Kotak Mahindra Bank. Some of them are listed below. Also, since BankBazaar doesn't offer these cards, you need to visit the official Kotak Mahindra credit cards website to apply for them.

    Kotak Mahindra Credit Card Variant Annual Fee Category
    Kotak Urbane Gold Credit Card Rs.199 Shopping (Everyday)
    Kotak League Platinum Credit Card Rs.499 Lifestyle
    Kotak Aqua Gold Credit Card NIL Regular (with high credit limit)
    Kotak Solaris Platinum Credit Card Rs.500 Online shopping
    Kotak Fortune Gold Credit Card NIL Regular
    Kotak Privy League Signature Credit Card (Optima) Rs.5,000 Premium Lifestyle
    Kotak Privy League Signature Credit Card (Prima) Rs.5,000 Premium Lifestyle
    Kotak Silk Inspire Credit Card Rs.599 Shopping
    Kotak NRI Royale Signature Credit Card Rs.1,000 NRI card
    Kotak Privy League Signature Credit Card (Insignia) Rs.2,500 Lifestyle
    Kotak Feast Gold Credit Card Rs.499 Dining and movies

    Kotak Mahindra Bank Credit Card FAQs:

    1. What is the minimum term deposit amount required in order to apply for a Silk Inspire credit card?

      Applicants must have a minimum term deposit amount of Rs 50,000.

    2. What is the annual fee for the Kotak Silk Inspire credit card?

      An annual fee of Rs 599 + GST shall be charged on the Kotak Silk Inspire credit card for women.

    3. Can I track the spends Add-on cards associated to any Kotak Bank credit cards separately?

      Yes, you may track the spends on all add-on cards separately for easy expense management.

    4. What is Smart Pay?

      Smart Pay is a facility offered by Kotak Mahindra bank which allows Kotak credit card holders to pay for any transaction above the value Rs 3000 in easy installments / EMIs. Customers can choose from 3, 6, 9, 12 and 24 months.

    5. Does the Wealth Management Infinite Credit Card carry any Golf benefits?

      Yes, this card does carry golf benefits which allows cardholders to tee off at some of the finest golf courses around the world.

    6. What is the minimum income requirement in order to apply for a Royal Signature credit card ?

      Applicant must have a minimum income of Rs 25 lakh or above, per annum.

    Bankbazaar facilitates you to check your eligibility for top credit cards

    *GST rate of 18% applicable for all financial services effective July 1, 2017

    Kotak Mahindra Bank Credit Cards Reviews

    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Kotak mahindra bank credit card long time, there service is not up to the mark. Their credit limit is good, they have given me . And they have not annual fee they have charge in this card as it is life time free credit card, and they did not provid any offers or discount, and there service is okay.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak mahindra League platinum credit card for long time.They have given me good credit limit in this card ,And they have not charged me annual fee in this card, as it is life time free credit card ,And there support team is too good, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card was good and the card on time. I am happy with the credit limit which they had given with this card and they had explained me with the benefits and the features with this card as well. There is some annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the Kotak mahindra credit card service, there service is not up to the mark . And i will not recommend this card to any one . Because of there service and even they charged me high interest rate in this card . If i pay one day late they use to charged me high,and they have charged me annual fee in this card . But there is waived off option available in this card, and i am happy with the limit, but not with there service. I am thinking to close this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the Kotak mahindra credit card service, there service is not up to the mark . And i will not recommend this card to any one . Because of there service and even they charged me high interest rate in this card . If i pay one day late they use to charged me high,and they have charged me annual fee in this card . But there is waived off option available in this card, and i am happy with the limit, but not with there service. I am thinking to close this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I hold a Kotak credit card and i am using it from long. The limit given on my card is good and i am happy with services till date. I never had any issue while carrying any transaction, every transaction happens smooth . Kotak card is a good card to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • Kotak Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card was approved with KMB and the experience was good, i received my credit card within 1 week. Rs 499 has to be paid for this credit card as an annual fee. I have taken this credit card mainly for movie ticket offer. Credit limit is fine in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My experience was not up to the mark with KMB credit card, the process was very long and it took more than 3 months to receive the credit card. They collected documents on time but the customer service was not good. Credit limit is less in this card and they charged Rs 2000 as an annual fee for this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Looking for better credit limit"
      0.5 4.0/5 "Great!"
      My experience was good with KMB credit card, i received my credit card within 2 months, the credit limit is very less in this credit card. Annual fee of Rs 590 has to be paid for this credit card and i use this card for multipurpose. Customer service was good and they responded on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Needs to improve on process"
      0.5 3.5/5 "Pretty good"
      My experience was not up to the mark with KMB credit card, the process was long and it took more than 50 days to receive the credit card. There was no annual fee charged for this credit card and the credit limit is fine in KMB credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Looking for better credit limit"
      0.5 4.0/5 "Great!"
      It was a good experience with KMB credit card, the process took 2 days to complete. Rs 500 has to be paid for this credit card and the credit limit is less in this card. Customer service was good and they collected documents on time. I have not use this credit card so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using KMB credit card from last 6 months, there was no annual fee charged for this credit card. It is a PVR credit card where i get good offers on movie tickets. The credit limit is fine in this credit card and the payment options are easy in this card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I took Kotak mahindra bank credit card,they have not give me good credit limit, like i use to get lot of remained call from them,like for 3-4 time they use to call me in a day,like 10 days before they start call me frequently, from morning they start call for 3-4 time in an day.and i have no time to talk to them ,or complain them,if they continue doing the same thing that i will be stop use this card, one i have complain them they said it is predictive call i use to get ,and the said will clear it soon, but still they have not done it , i use to get irritated so badly,they have charged annual fee or may be not ,like from past 2-3 years ,i am using this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak mahindra credit card recently from past 3-4 months ago i got this card, and there service is good, they have charged me annual fee in this card, and there is waived off option available in this card, and there mobile application is good, like i can check and do payment with that, they provide me good offers in maximum products.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Kotak mahindra bank credit card, there service is not up to the mark, i have been using this credit card for a long time,the credit limit is okay they have given me. and there is no annual fee they have charge in this card ,and they did not provided any offers or discount, and there service is okay
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Since this is a good credit card, i have chosen the KOTAK ESSENTIA PLATINUM Credit card. They have provided me a credit limit of Rs. 75000 and I'm happy about it. There is no annual fee in this card. Two times, i spoke with the customer care service for the general enquiry and the response was good.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Satisfied Credit card"
      0.5 5.0/5 "Blown Away!"
      I am holding Kotak Mahindra delight credit card, the bank offered me good limit. Even it has the emi option and the interest rate is nominal. I got the card on time, I think within ten days of time I received the card. The documentation process is good and my due date falls on 12th of every month.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I have taken Kotak Mahindra credit card, I felt the interest rate is higher side for the emi conversion on the purchasing amount. However the credit limit is good around Rs. 90,000 its satisfactory for me. Reason to chose this card because of the movie tickets at PVR malls.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Good for Entertainment"
      0.5 5.0/5 "Blown Away!"
      I am getting movie ticket on monthly basis on Kotak Mahindra, the credit limit is good for me. I got the credit card from the bank within 15 days of time, the entire documentation process was easy, the representative came to my place and gave me door step service for paper collection.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Good for Movie Ticket"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Pvr platinum credit card, specialty about the credit card they two free movie tickets at every month. There was no joining fee and yearly fee, I done Rs. 70,000 spends but I didn't get any reward points. May be after my first bill generation I will come to know the offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
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