Kotak Mahindra Bank Credit Cards – Best Offers

Why Choose a Kotak Mahindra Bank Credit Card?

Kotak Mahindra Bank credit cards are known for their simple rewards structure, co-branded partnerships, and easy eligibility criteria. As one of India’s leading private banks, Kotak combines its banking expertise with innovative credit card features.

The bank’s credit card portfolio includes options for online shoppers, fuel users, and entertainment enthusiasts. Many cards offer attractive welcome benefits that provide immediate value. The variety of Kotak card deals available ensures that students, working professionals, and budget-conscious spenders can all find the right option. With partnerships with Myntra, IndianOil, and entertainment platforms, Kotak continues to enhance its credit card offerings.

Entry-Level Kotak Mahindra Bank Credit Cards

Entry-level Kotak Mahindra Bank credit cards are perfect for first-time users. Enjoy low joining fees, easy approval, rewards, cashback, and benefits on your everyday spending. Apply online today.

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card targets first-time cardholders seeking minimal fees with basic rewards. Kotak Urbane card features include reward points on all purchases. This entry-level card provides foundational credit access at India’s lowest annual fee.

Key Features:

• Joining Fee: ₹199 + GST
• Annual Fee: ₹199 + GST
• Welcome Benefit: N/A
• Reward Earning: Reward points on all eligible purchases
• Shopping Benefits: Standard rewards on retail transactions
• Fuel Surcharge Waiver: 1% on eligible fuel transactions
• Insurance Coverage: Personal accident cover
• EMV Chip Security: Enhanced fraud protection
• Zero Liability: Protection against fraudulent transactions

Urbane Gold charges a minimal fee of ₹199, making it India’s most affordable credit card. Kotak Urbane rewards accumulate on everyday spending. For someone spending ₹20,000 per month across categories, this card earns ₹400-₹600 in reward points annually while costing just ₹199.

IndianOil Kotak Credit Card

The IndianOil Kotak Credit Card offers fuel users rewards on IndianOil purchases. IndianOil Kotak fuel benefits include faster reward points on fuel transactions. This co-branded card delivers value for regular drivers.

Key Features:

• Joining Fee: ₹449 + GST
• Annual Fee: ₹449 + GST (waivable on meeting spend threshold)
• Welcome Benefit: 1,000 reward points on spending ₹500 within first 30 days
• IndianOil Fuel: Enhanced reward points per ₹150 spent at IndianOil outlets
• Dining & Grocery: 12 reward points per ₹150 spent (approximately 1.6% return)
• Other Spends: Standard reward points on all other purchases
• Fuel Surcharge Waiver: 1% on transactions between ₹100-₹7,500 (up to ₹10,000 yearly)
• Annual Fee Waiver: Fee waived on achieving the annual spending target
• Insurance: Purchase protection and accident cover

IndianOil Kotak reward points accumulate faster on fuel purchases. The Kotak fuel surcharge waiver, with a ₹10,000 annual limit, provides consistent savings. For someone spending ₹5,000 per month on IndianOil fuel, this card offers substantial rewards that offset the modest fee.

Kotak League Platinum Credit Card

Kotak League Platinum Credit Card caters to movie lovers seeking entertainment rewards. Kotak League movie benefits include free movie vouchers and tickets. This entertainment-focused card delivers value for cinema fans.

Key Features:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST
• Welcome Benefit: Movie voucher worth ₹500 on payment of joining fee
• Travel & Daily Spends: 8 reward points per ₹150 spent on select categories (2× earning rate)
• Other Spends: 4 reward points per ₹150 spent on remaining categories
• Milestone Benefits: Up to 8 free movie tickets annually on achieving spending milestones
• Assistant Services: Exclusive services for League Platinum cardholders
• Fuel Surcharge Waiver: Available on eligible transactions
• Insurance: Purchase protection cover

The League Platinum movie voucher, worth ₹500, fully offsets the joining fee. Kotak League free tickets, which include eight annual movie tickets valued at ₹2,000-₹3,200, provide exceptional entertainment value. For movie fans who watch 1-2 films per month, this card delivers ₹3,000-₹4,000 in annual value, far exceeding the ₹499 fee.

Mid-Tier Kotak Mahindra Bank Credit Cards

Compare mid-tier Kotak Mahindra Bank credit cards with rewards, cashback, and travel benefits to find the right one for you.

Kotak 811 Credit Card

Kotak 811 Credit Card serves existing Kotak 811 account holders seeking shopping rewards. Kotak 811 card benefits include bonus reward points and shopping perks. This card targets digital banking customers.

Key Features:

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST (waivable on meeting spend threshold)
• Welcome Benefit: 500 bonus reward points on spending ₹5,000 within 45 days of card issuance
• Reward Earning: Reward points on all eligible purchases
• Shopping Benefits: Enhanced points on retail and online shopping
• Fuel Surcharge Waiver: 1% on eligible fuel transactions
• Digital Integration: Seamless integration with Kotak 811 digital banking
• Insurance: Purchase protection and accident cover
• Annual Fee Waiver: Fee waived on achieving the annual spending target

Digital features of the 811 card appeal to Kotak 811 account holders. Kotak 811 shopping rewards accumulate on retail purchases. For someone spending ₹30,000 per month on Kotak 811 banking, this card earns reward points worth ₹900- ₹1,200 annually.

Myntra Kotak Credit Card

Myntra Kotak Credit Card targets fashion shoppers seeking instant discounts on Myntra. Myntra Kotak instant discount provides 7.5% off at checkout. This co-branded card delivers exceptional value for online fashion purchases.

Key Features:

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST (waivable on spending ₹2,00,000 annually)
• Welcome Benefit: Myntra voucher worth ₹500 on making 1 transaction above ₹500 within 30 days of card issuance
• Myntra Spends: 7.5% instant discount on all Myntra purchases (capped at ₹750 per transaction)
• Partner Merchants: 5% cashback on Swiggy, Swiggy Instamart, PVR, Cleartrip, Urban Company (capped at ₹1,000 per billing cycle)
• Other Spends: Unlimited 1.25% cashback on all other online and offline spends
• Myntra Insider: Complimentary Myntra Insider program membership
• Lounge Access: 1 complimentary domestic lounge visit per quarter
• Movie Benefits: 2 complimentary PVR tickets worth ₹250 each on spending ₹50,000 per quarter
• Fuel Surcharge Waiver: 1% on transactions between ₹500-₹3,000
• UPI Cashback: 1.25% cashback on UPI transactions of ₹2,000 or more

Myntra card provides a 7.5% discount, which provides instant savings at checkout—higher than the typical 5% cashback cards. Kotak Myntra cashback at 5% on Swiggy and partner merchants delivers dining and entertainment value.

For someone spending ₹20,000 monthly on Myntra (₹2,40,000 annually split across transactions), this generates ₹18,000 savings through 7.5% discount.

An additional 5% cashback on ₹10,000 monthly Swiggy/partner spends adds ₹6,000 annual value. Base 1.25% cashback on remaining ₹20,000 monthly spending contributes ₹3,000 yearly. Total value of ₹27,000+ annually far exceeds the ₹500 fee.

Kotak Mahindra Bank Credit Card Rewards & Redemption

Kotak credit card reward points redemption offers multiple pathways:

Reward Structures

Redemption Options

Kotak reward points can be redeemed through:

• Gift Vouchers: 100+ brands, including Amazon, Flipkart, lifestyle retailers
• Merchandise: Electronics, appliances via rewards catalogue
• Statement Credit: Offset balance with points
• Cashback: Direct cashback credits for the Myntra card
• Instant Discount: Check out the discount on Myntra purchases

Points typically have a value of ₹0.20-₹0.25, and the Myntra card offers direct cashback/discounts.

Eligibility Criteria

Kotak Mahindra credit card eligibility requirements:

Age Requirements:

• Primary cardholder: 21-60 years
• Add-on cardholder: 18+ years

Income Criteria:

• Entry-Level (Urbane Gold, IndianOil, League Platinum): ₹15,000-₹25,000 monthly for salaried; ₹2-₹4 lakh annual ITR for self-employed
• Mid-Tier (811, Myntra): ₹25,000-₹40,000 monthly
• Salaried; ₹4-₹6 lakh annual ITR for self-employed

Credit Score: 700+ recommended; 750+ preferred

Employment: Salaried with 1+ years of employment or self-employed with 2+ years of business experience.

Documents Required

• PAN card (mandatory)
• Aadhaar card
• Recent salary slips (3 months)
• Bank statements (6 months)
• Passport-size photographs

Kotak Mahindra Bank Credit Card Fees & Charges

Additional Charges: Interest 3.5% per month (42% annually), cash advance 2.5%, forex markup 3.5% + GST

Our Top 2 Picks Based on Salary

Find the top 2 credit cards with the best rewards, low fees, and benefits based on your salary.

Best Card for a Monthly Salary Below ₹50,000: Kotak League Platinum Credit Card

Kotak League Platinum delivers exceptional movie value at ₹499 fee, providing ₹500 welcome voucher plus 8 free annual tickets worth ₹3,000–₹4,000 for entertainment lovers.

Best Card for Above ₹50,000 Monthly Salary: Myntra Kotak Credit Card

Myntra Kotak offers an industry-leading 7.5% instant discount on fashion, plus 5% cashback on dining/partners, generating ₹20,000-₹35,000 annual value for online shoppers.

Conclusion

Kotak Mahindra Bank offers a variety of cards for different categories. For example, if you shop online, especially on Myntra, the Myntra Kotak card is a standout option. Here, you get an instant 7.5% discount at checkout.

For lower salaries, such as 20,000 to 25,000, you can apply for the Kotak League Platinum. This is not just a basic card. You will receive eight movie tickets per year with this card.

The conclusion is that you should apply for a credit card that aligns with your shopping habits and spending patterns. Carefully review all cards listed above, and use only after reviewing the full details. The link above will take you directly to the bank’s website, where you can apply.​