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Kotak Mahindra Bank Credit Card

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Kotak Mahindra Bank offers different types of credit cards ranging from basic to premium categories catering to the varying individual requirements such as rewards, cashback, discounts, travel, movies, shopping, and more. You may find a card ranging from zero annual fee to a fee as high as Rs. 12,500. Based on your spending preferences and fee payment ability, choose a card subject to your needs.

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Updated: 21-02-2025 07:28:56 AM

While some Kotak Mahindra credit cards offer all-round or generic benefits across one or multiple lifestyle categories, others are co-branded with leading brands like Myntra, PVR, IndianOil, and IndiGo. Additionally, all cards are feature-loaded with perks like no-cost EMIs, convenient payments, hassle-free rewards tracking, and quick approval. Read on to find out more about features and benefits of Kotak Mahindra Credit Cards.

Note: Kotak Mahindra Bank is not accepting new credit card applications. Content on this page is for information purpose only.

Top 10 Kotak Mahindra Bank Credit Cards in 2025

The bank offers multiple credit card options across varying lifestyle categories—shopping, dining, movies, bill payments, etc. Here we have listed the top 10 recommendations for choosing the best Kotak credit card.

Myntra Kotak Credit Card

myntra-kotak-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% off up to Rs. 750 per transaction on Myntra

Unlimited 1.25% cashback on other spends

Co-branded
Movies
Cashback
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Product Details

  • 7.5% off up to Rs. 750 per transaction on Myntra
  • 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
  • 1.25% cashback across all other transactions
  • 2 complimentary PVR tickets of Rs. 250 each on Rs. 50,000 quarterly spends
  • 1% fuel surcharge waiver of up to Rs. 3,500 in a year on fuel spends of Rs.500 to Rs. 3,000
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Kotak IndiGo 6E Rewards XL Credit Card

kotak-indigo-ka-ching-6e-rewards-xl-credit-card
3.5/5

Joining fee: ₹1500

Annual/Renewal Fee: ₹1500

8 complimentary domestic airport lounge access per year

Up to 6% rewards on spends across different categories

Travel
Co-branded
Reward Points
Check Eligibility

Product Details

  • Rs. 3,000 IndiGo ticket & Rs. 1,099 6E Prime add-ons as welcome gift
  • 6 reward points per Rs. 100 spent on IndiGo flight
  • 3 reward points per Rs. 100 spent on dining, grocery & entertainment
  • 2 reward points per Rs. 100 spent on other categories
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Kotak Zen Signature Credit Card

kotak-zen-signature-credit-card
3.5/5

Joining fee: ₹1500

Annual/Renewal Fee: ₹1500

10 Zen points per Rs. 150 shopping spends, 5 points on others

3 international Priority Pass & 8 domestic Dream Folks lounge visits per year

Shopping
Reward Points
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Product Details

  • 1,500 Zen points as joining bonus
  • 7,500 Zen points on spending more than Rs. 3 lakh in a year
  • 15,000 Zen points on spending more than Rs. 6 lakh in a year
  • Railway surcharge waiver of 1.8% on website & 2.5% on counter bookings, up to Rs. 500 per year
  • 1% fuel surcharge waiver, up to Rs. 3,500 per year, on fuel spends of Rs. 500 to Rs. 3,000
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PVR INOX Kotak Credit Card

pvr-inox-kotak-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

Free movie tickets worth Rs. 300 each every month

Flat 20% off on food & beverages at PVR

Movies
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Product Details

  • Flat 5% off on movie tickets at PVR INOX theatre, app & website
  • Flat 20% on food and beverages at PVR INOX theatre, app & website
  • Complimentary access to premium PVR INOX in-cinema lounges
  • 1 free PVR INOX movie ticket worth Rs. 300 each on every Rs. 10,000 spent in a cycle
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IndianOil Kotak Credit Card

indianoil-kotak-credit-card
3/5

Joining fee: ₹449

Annual/Renewal Fee: ₹449

Up to 5% savings on card spends made on IndianOil fuel

2% back as 12 reward points per Rs. 150 dining and grocery spend

Co-branded
Fuel
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Product Details

  • Save 4% as 24 reward points per Rs. 150 IndianOil fuel spend
  • 1% fuel surcharge waiver of up to Rs. 100 per month on IOCL fuel spends between Rs. 100 to Rs. 5,000
  • 3 reward points per Rs. 150 spent on others; 1,000 reward points on making a spend of min. Rs. 500 in the 1st month
  • 300 Reward Points = 250 IndianOil XTRAREWARDS = Rs. 75 (1 RP = Rs. 0.25; 1 XTRAREWARDS = Rs. 0.30)
  • Annual fee waived off on Rs. 50,000 annual spends
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Kotak IndiGo Ka-ching 6E Rewards Credit Card

indigo-ka-ching-6e-rewards-credit-card
3/5

Joining fee: ₹700

Annual/Renewal Fee: ₹700

Travel benefits with IndiGo airlines

Travel
Co-branded
Reward Points
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Product Details

  • Ticket voucher worth Rs. 1,500 and 6E Prime add-ons worth Rs. 1,099 on card activation
  • 3% rewards on IndiGo spends
  • 2% rewards on merchant spends (including dining, grocery & entertainment)
  • 1% rewards on other categories
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Kotak Mojo Platinum Credit Card

kotak-mojo-platinum-credit-card
3/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

Accelerated rewards on online shopping

Reward Points
Online Shopping
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Product Details

  • 5 Mojo points per Rs. 100 for all online spends
  • 1 Mojo point per Rs. 100 on all other spends
  • Value of 1 reward point = Up to Rs. 0.40
  • Milestone benefits worth Rs. 1,000 on spending Rs. 75000 in a quarter
  • 8 complimentary visits per year to airport lounges within India (both domestic and international terminals)
  • 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000
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Kotak White Signature Credit Card

kotak-white-credit-card
3/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Earn White Pass value of up to Rs. 27,000 annually

4 international & 8 domestic lounge access per year

Reward Points
Check Eligibility

Product Details

  • White Pass value of Rs. 2,000 & Rs. 4,000 on Rs. 2 lakh & Rs. 4 lakh annual spends respectively
  • White Pass value of Rs. 6,000 & Rs. 7,000 on Rs. 6 lakh & Rs. 9 lakh annual spends respectively
  • White Pass value of Rs. 8,000 on reaching Rs. 12 lakh annual spends
  • Up to Rs. 500 railway surcharge waiver on IRCTC ticket bookings via website or counter
  • 1% fuel surcharge waiver, up to Rs. 3,500 per year, on fuel spends of Rs. 500 to Rs. 3,000
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Kotak League Platinum RuPay Credit Card

league-platinum-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

8 rewards per Rs. 150 spent on travel, electric sales, durable goods & departmental stores

8 reward points per Rs. 150 spent post Rs. 2 lakh annual spends

Movies
Reward Points
Check Eligibility

Product Details

  • Annual fee waived on spending Rs. 50,000 in a year
  • 4 PVR tickets or 10,000 reward points on spending Rs. 1.25 lakh every 6 months
  • 4 reward points per Rs. 150 spent on other spending categories
  • Railway surcharge waiver of up to Rs. 500 per year on IRCTC website & counter bookings
  • 1% fuel surcharge waiver, up to Rs. 3,500 per year, on fuel spends of Rs. 500 to Rs. 3,000
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Kotak UPI RuPay Credit Card

upi-rupay-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

UPI linked credit-card benefits

Lifetime Free

Reward Points
Check Eligibility

Product Details

  • 3 reward points per Rs. 100 on UPI linked credit card transactions
  • 3 reward points per Rs. 100 on other credit card transactions
  • No capping on reward points
  • Minimum 1,000 points required for redemption
  • Value of 1,000 reward points = Rs. 100
Know More

Video: Myntra Kotak Credit Card Review

Note: Details mentioned in the video have been sourced from the issuer’s website as of May 2024.

Other Popular Kotak Mahindra Credit Cards
Kotak Mahindra Credit Cards: Fees & Charges
Eligibility Criteria
How to Apply Online for Kotak Mahindra Bank Credit Cards?
Quick Links to Manage your Kotak Credit Card
Frequently Asked Questions

Other Popular Kotak Mahindra Credit Cards

In addition to the top credit cards mentioned above, Kotak Mahindra Bank also offers some other cards:

Credit Card Annual Fee Best Suited For
Kotak 811#DreamDifferent Credit Card Nil Rewards (secured card)
Kotak Infinite Credit Card Nil Rewards
Metro Kotak Credit Card Nil Travel
Kotak Urbane Gold Credit Card Rs. 199 Rewards, Movies
PVR Kotak Gold Credit Card Rs. 499 Movies
Kotak 811 Credit card Rs. 500 Rewards
PVR Kotak Platinum Credit Card Rs. 999 Movies
Kotak  Royale Signature Credit Card Rs. 999 Rewards
Kotak Privy League Signature Credit Card Rs. 2,500 Travel,, Movies
Kotak White Reserve Credit Card Rs. 12,500 Premium Lifestyle

Suggested Read: Check 25 Best Credit Cards in India for 2025 and find the right card as per your spending habits.

Kotak Mahindra Credit Cards: Fees & Charges

Some common fees and charges associated with Kotak Credit Cards are listed below:

Fee Type Amount
Joining/Annual Fee Depends on the credit card variant
Finance Charges Up to 3.70% p.m. or 44.40% p.a.
Late Payment Fee For Outstanding Balance of –
Less than Rs. 100: Nil
From Rs. 100 to Rs. 500: Rs. 100*
From Rs. 501 to Rs. 1,000: Rs. 500
From Rs. 1,001 to Rs. 5,000: Rs. 500
From Rs. 5,001 to Rs. 10,000: Rs. 600
From Rs. 10,001 to Rs. 25,000: Rs. 800
From Rs. 25,001 to Rs. 50,000: Rs. 1,000
More than Rs. 50,000: Rs. 1,200

*For 811 #DreamDifferent Credit Card, late payment fee of Rs. 500 is charged for outstanding balance equal to or more than Rs. 100. Click here for other fees & charges and detailed terms & conditions related to Kotak Mahindra Credit Cards.

Eligibility Criteria

In addition to having a good credit score (preferably above 750), most cards come with their own eligibility criteria which may include the age bracket and employment type with minimum income required that you must meet in order to be eligible for them. Here is the basic eligibility criteria and documents required from the applicant for Kotak Mahindra Bank Credit Cards:

  • Age: Between 18 years and 65 years
  • Employment: Salaried or Self-employed
  • Documents Required: Click here for the list of acceptable documents for Kotak Mahindra Bank Credit Card application.

In addition to the above mentioned parameters, there are several other internal policies of Kotak Mahindra Bank which determine your eligibility.

How to Apply Online for Kotak Mahindra Bank Credit Cards?

Kotak Mahindra Bank is not a credit card partner with Paisabazaar.com. But, you can apply for top credit cards from other issuers by following the below-mentioned steps:

Step 1: Click here to go to the form on top of this page and provide your mobile number.
Step 2: Verify by entering the OTP sent to your mobile number to see the pre-qualified credit card offers that you are eligible for.
Step 3: Select your preferred credit card after comparing the offers.
Step 4: Complete the application process by filling the detailed form and providing the documents, as asked.

If you are unable to view the offer for a card of your choice on our platform, you may visit the respective bank’s website to apply there directly. Kotak Mahindra Bank is not accepting new credit card applications.

Frequently Asked Questions

Q. How to increase the Kotak Credit Card limit?

A. Kotak Mahindra Credit Card limit is increased automatically. The issuer reviews your spending patterns and other factors like unpaid balances, credit utilisation ratio, credit history etc and then decides whether to offer an increase or not. Besides this, you can also contact customer care of Kotak Mahindra Bank and make a request to enhance your credit limit.

Q. How to generate a PIN for Kotak Mahindra Bank Credit Card?

A. You can generate the PIN for your Kotak Credit Card through net banking or mobile banking. All you need to do is log in to your account and navigate to the “Credit Card” section to generate the PIN. To generate your credit card PIN offline, you can contact the customer care of the bank and request for the same.

Q. How to close a Kotak Credit Card?

A. You can close your Kotak Credit Card by writing an application and submitting it at the nearest branch, emailing or contacting the customer care service. Before closing your credit card, make sure that all your dues are clear, all reward points are redeemed, and auto payments are cancelled.

Q. What can I do if my Kotak Mahindra Bank Credit Card is stolen or lost?

A. In case you lose your Kotak Mahindra Bank Credit Card, you can contact the customer care of the bank at 1860-266-2666 and for Kotak 811 card at 1860-266-0811. It is important to report the loss of your credit card as soon as you notice it. The bank representative will ask for a few details and block your credit card to save you from any kind of fraud.

Q. What is the eligibility criteria to apply for credit cards from Kotak Mahindra Bank?

A. To apply for any of the Kotak Mahindra Bank Credit Cards, the cardholder should be in the age bracket of 18-65 years. The cardholder should also be an Indian citizen with a stable income or a Non-Resident Indian in the case of an NRI credit card. Some requirements like minimum income and the location of the cardholder vary as per the variant of the credit card.

Q. How to pay Kotak Credit Card bills online?

A. You can make Kotak Credit Card payments via net banking by logging in to the online portal of the bank. All you need to do is log in using your customer ID and password and then go to the ‘Credit Cards’ section. After this, you have to select ‘Payments’ from the menu, select the amount (total due, minimum due or custom) and click on ‘Make Payment’ to initiate the payment.

Q. How to check Kotak Credit Card application status?

A. To enquire about the Kotak Credit Card application status, you would require the application reference number or application form number which is provided by the bank to you at the time of the application. You can visit the official website of the bank and track your application status by entering that number.

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