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Top & Best Kotak Credit Cards 2024

Updated on July 14, 2024 , 39240 views

Kotak credit cards come in wide varieties with great benefits. If used wisely, credit cards are a convenient tool to manage your short-term financing goals & needs. You borrow a certain amount of money and repay it back later in instalments. An interest is charged only if the credit amount is not repaid within the grace period. Besides lending you money, Kotak credit cards offer a host of benefits such as reward points, cashbacks, frequent flyer miles, etc. They credit cards offered by Kotak as worth looking at.

Kotak Credit Card

Top Kotak Credit Cards

Card Name Annual Fee Benefits
Kotak Corporate Wealth Signature Credit Card Nil Shopping & Lifestyle
Kotak Corporate Gold Credit Card Rs. 1000 Rewards & Shopping
Kotak Corporate Platinum Credit Card Rs. 1000 Shopping & Lifestyle
Kotak Royale Signature Credit Card Rs. 1000 Fuel & Rewards
Kotak Privy League Signature Credit Card Rs. 5000 premium & Lifestyle

Best Kotak Fuel Credit Card

1. Kotak Royale Signature Credit Card

  • Earn 4x reward points on every Rs. 150
  • 10000 bonus reward points on spending Rs.4,00,000
  • Maximum fuel surcharge waiver is Rs 3,500 per the calendar year
  • Complimentary access to airport lounges in India
  • Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi at the airport
  • If your credit card is stolen, you get a cover of Rs. 2,50,000 against fraudulent usage up to 7 days pre-reporting

Best Kotak Rewards Credit Card

1. Kotak Corporate Gold Credit Card

  • This card is specifically designed for Corporates to help them manage their expenses better
  • Get 1% fuel surcharge waiver on a minimum spend of Rs. 500
  • Don’t have to worry about late payments as the corporate will pay for you
  • Reward points to cash conversion
  • Monitor spending patterns of employees

2. Kotak Essentia Platinum Credit Card

  • If you are a smart shopper, then this credit card is for you. It helps you earn Savings Points on all your essential purchases, you can redeem whenever you want to shop
  • Get 10% discount for shopping at selected grocery stores
  • 10 saving points for every Rs.100 spent
  • 6 PVR tickets if you spend Rs. 1,25,000 every 6 months
  • Discount vouchers for online shopping

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Best Kotak Premium Credit Card

1. Kotak Privy League Signature Card

  • Earn 5x reward points on every Rs 100 spent
  • Get access to airport lounges through Priority Pass membership card
  • Get 4 complimentary movie tickets from PVR every quarter
  • Get fuel surcharge waiver of 1% at all the gas stations in India

2. NRI Royale Signature Credit Card

  • This card gives a biggest return as an NRI. With a host of customised features, you can enjoy benefits that are tailor-made for Indians abroad
  • Earn 2x rewards on international spends
  • The card gives you the freedom to purchase and pay in INR
  • Get gift on Add-on card
  • If your credit card is lost, you get a cover of Rs. 2,50,000 against fraudulent usage up to 7 days pre-reporting
  • Complimentary access to airport lounges in India and enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi, etc.

How to Apply for Kotak Credit Card?

There are two modes of application for a Kotak Credit Card-


  • Go to the company’s official website
  • Choose the type of credit card you wish to apply based on your requirement after going through its features
  • Click on the ‘Apply Online’ option
  • An OTP (One Time Password) is sent to your registered mobile phone. Use this OTP to proceed
  • Enter your personal details
  • Select Apply, and proceed further


You can apply offline by simply visiting the nearest Kotak Mahindra Bank and meeting the credit card representative. The representative will help you complete the application and choose the appropriate card. Your eligibility is checked based on which you will receive your credit card.

Documents Required

Following are the documents required to get a Kotak credit card-

  • An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
  • Proof of Income
  • Address proof
  • PAN Card
  • Passport size photograph

Eligibility Criteria

In order to be eligible for a Kotak Mahindra credit card, you must be-

  • Between 18 years to 70 years of age
  • A resident of India or Non-Resident Indian (NRI)
  • Earning a stable income
  • 750+ credit card

Kotak Credit Card Statement

Every month you will receive a credit card statement. This will contain all the records and transactions of your previous month. You will receive the statement either via courier or through an email based on the option you’ve chosen. You need to check and read the statement thoroughly.

Kotak Credit Card Customer Care Number

Kotak Mahindra provides 24x7 Helpline. If you have any queries, you can contact customer care @1860 266 0811 .

All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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