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Kotak Mahindra Bank credit cards: 18 you can apply for

The best one for most people is Kotak Air+ Prime.

₹15,100a year after fees, at ₹75,000 a month

Kotak Air+ Prime

₹15,100 a year, after fees

₹3,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 2%–5%

Ranked higher: its bonus category adds ₹4,100 a year

Keep

It pays back the most of the 16 Kotak Mahindra Bank cards open to apply that we can value.

Rank all 18 at your own spend in the card finder

Verified 13 sources

Points and where they go

Kotak Mahindra Bank's main points currency is Kotak Air Miles, worth ₹1.00 a point: 10 airline and hotel programmes take them. Its cards earn 4 kinds of points in all.

What Kotak Mahindra Bank cards earn
ProgrammeWorth a pointCardsPartners
Kotak Air Miles₹1.00410
Kotak Reward Points₹0.2524none
Kotak White Pass₹1.002none
IndiGo BluChipevery way to earn them ₹0.502none

7 more cards pay cash back. Values are what we think a point is worth in India.

Every Kotak Mahindra Bank transfer partner 11 routes
Kotak Air Miles: where they transfer
Transfer toRatioOne point becomesTime
Air India Maharaja Club1:1₹1.00not published
Etihad Guest2:1₹0.50not published
Qatar Airways Privilege Club (Avios)2:1₹0.50not published
The British Airways Club (Avios)2:1₹0.50not published
United MileagePlus2:1₹0.50not published
Cathay Pacific Asia Miles2:1₹0.50not published
Air France-KLM Flying Blue2:1₹0.50not published
ALL - Accor Live Limitless2:1₹1.07not published
Air Canada Aeroplan2:1₹0.50not published
Marriott Bonvoy3:1₹0.17not published

Ratios read Kotak Air Miles : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

IndiGo BluChip: where they transfer
Transfer toRatioOne point becomesTime
ALL - Accor Live LimitlessIndiGo BluChip is itself a programme: a move between programmes 6:1₹0.36not published

Ratios read IndiGo BluChip : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 9 Kotak Mahindra Bank changes since 2022

All 58 Kotak Mahindra Bank cards

Fees run ₹0 to ₹49,000, and 14 of them are genuinely free for life; 2 charge nothing a year but a joining fee to get in. We cannot value 20 of them: Kotak Mahindra Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 40 keep, 9 downgrade, 9 cancel.

Open to apply 18

  1. Kotak Air+ Prime

    ₹15,100 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 2%–5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  2. Kotak Air+

    ₹15,100 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 2%–5%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  3. Kotak Zen Signature

    ₹10,800 a year, after fees

    ₹1,500 fee · Lounges in India and abroad · Reward rate 0.8%–1.7%

    Keep

  4. IndiGo Kotak Premium Credit Card

    IndiGo Kotak Premium Credit Card

    ₹10,600 a year, after fees

    ₹3,000 fee · Lounges in India · Reward rate 1%–2.5%

    Ranked higher: its bonus category adds ₹1,600 a year

    Keep

  5. Kotak Cashback+ Prime

    ₹4,100 a year, after fees

    ₹750 fee · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹7,300 a year

    Keep

  6. Kotak Cashback+

    ₹4,100 a year, after fees

    ₹750 fee · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹6,700 a year

    Keep

  7. Kotak Air credit card

    Kotak Air

    ₹7,600 a year, after fees

    ₹999 fee · Lounges in India · 8 transfer partners · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  8. IndianOil Kotak Credit Card

    ₹3,800 a year, after fees

    ₹449 fee · Reward rate 0.5%–4%

    Ranked higher: its bonus category adds ₹2,900 a year

    Keep

10 more open to apply by value

  1. Kotak White

    ₹12,000 a year, after fees

    ₹3,000 fee · Lounges in India and abroad

    Ranked lower: includes ₹12,000 in vouchers

    Keep

  2. Kotak NRI Royale Signature

    ₹3,200 a year, after fees

    ₹1,000 fee · Lounges in India · Reward rate 0.5%–1%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  3. PVR INOX Kotak

    ₹3,100 a year, after fees

    ₹0 joining + ₹499/yr

    Keep

  4. Kotak White Reserve credit card

    Kotak White Reserve

    −₹7,500 a year, after fees

    ₹12,500 fee · Lounges in India and abroad · 2% forex markup

    Ranked lower: includes ₹5,000 in vouchers

    Keep

  5. IndiGo Kotak Credit Card

    ₹7,300 a year, after fees

    ₹1,500 fee · Reward rate 0.5%–1.5%

    Ranked higher: its bonus category adds ₹1,100 a year

    Downgrade

  6. Kotak League Platinum

    ₹4,300 a year, after fees

    ₹499 fee · Reward rate 0.3%–0.5%

    Downgrade

  7. Kotak 811 Credit Card

    ₹3,300 a year, after fees

    ₹500 fee · Reward rate 0.3%–0.5%

    Downgrade

  8. Kotak UPI RuPay

    ₹2,500 a year, after fees

    ₹0 fee · Reward rate 0.3%

    Downgrade

  9. Kotak811 Super Money Card

    Not valued fee or rewards not published

    ₹249 joining · 2% forex markup

    Keep

  10. Kotak811 Dream Different

    Not valued fee or rewards not published

    ₹424 joining · 2% forex markup

    Keep

Invite only 2

  1. Kotak Solitaire

    −₹2,300 a year, after fees

    ₹0 joining + ₹25,000/yr · Lounges in India and abroad · No forex markup · Reward rate 3%–10%

    Ranked higher: its bonus category adds ₹9,500 a year

    Keep Invite only

  2. Kotak Private Credit Card

    Not valued fee or rewards not published

    ₹0 joining + ₹49,000/yr · No forex markup

    Keep Invite only

Not confirmed on sale 1 card

  1. Kotak Delight Platinum

    −₹300 a year, after fees

    ₹1,999 joining + ₹299/yr · Reward rate 0%–10%

    Ranked higher: its bonus category adds ₹5,400 a year

    Downgrade

Business cards 15 cards

  1. Amazon Pay Kotak Business Credit Card

    ₹9,000 a year, after fees

    ₹0 joining + ₹499/yr · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹7,200 a year

    Keep

  2. Kotak BizEdge Credit Card

    ₹3,000 a year, after fees

    ₹999 fee · Reward rate 0.3%–1.7%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  3. Kotak Biz

    ₹1,600 a year, after fees

    ₹299 joining + ₹499/yr · Lounges in India · Reward rate 0.3%–1%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  4. Kotak Solitaire Business

    ₹6,000 a year, after fees

    ₹0 joining + ₹3,499/yr · Lounges in India and abroad · Reward rate 0.7%–4.7%

    Ranked higher: its bonus category adds ₹5,400 a year

    Keep

  5. Kotak Corporate Platinum

    Not valued fee or rewards not published

    ₹0 joining + ₹999/yr · Lounges in India

    Keep

  7. Kotak Travel Agent

    Not valued fee or rewards not published

    ₹0 joining + ₹999/yr

    Keep

  9. Kotak Corporate Gold

    Not valued fee or rewards not published

    Fee not published

    Keep

  10. Kotak Corporate Classic

    Not valued fee or rewards not published

    ₹0 joining + ₹1,000/yr

    Keep

  11. Kotak Corporate Basic

    Not valued fee or rewards not published

    ₹0 fee

    Keep

Closed or paused 22 cards

  1. Kotak Infinite

    ₹27,600 a year, after fees

    ₹0 fee · Lounges in India · 2% forex markup · Reward rate 2%–5%

    Keep Closed

  2. Kotak Essentia Platinum

    ₹5,300 a year, after fees

    ₹1,499 joining + ₹749/yr · Reward rate 0.4%–10%

    Ranked higher: its bonus category adds ₹4,300 a year

    Keep Closed

  3. Kotak Royale Signature

    ₹10,300 a year, after fees

    ₹1,499 joining + ₹999/yr · Lounges in India · Reward rate 0.3%–0.7%

    Its milestone pays only from ₹8 lakh a year — the low end of this range

    Keep Closed

  4. METRO Kotak

    ₹4,500 a year, after fees

    ₹0 fee · Reward rate 0.5%–1%

    Keep Closed

  5. Kotak Veer Select

    ₹3,400 a year, after fees

    ₹0 joining + ₹599/yr · Lounges in India · Reward rate 0.4%–1.1%

    Ranked higher: its bonus category adds ₹1,700 a year

    Keep Closed

  6. Kotak Veer Platinum

    ₹2,300 a year, after fees

    ₹0 joining + ₹299/yr · Reward rate 0.3%–0.8%

    Ranked higher: its bonus category adds ₹1,100 a year

    Keep Closed

  7. Kotak Privy League Signature credit card

    Kotak Privy League Signature

    ₹11,700 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 2% forex markup · Reward rate 0.5%–1.3%

    Its milestone pays only from ₹8 lakh a year — the low end of this range

    Downgrade Closed

  8. PVR Kotak Gold

    ₹4,300 a year, after fees

    ₹0 joining + ₹499/yr

    Downgrade Closed

  9. Kotak Urbane Gold

    ₹4,300 a year, after fees

    ₹0 joining + ₹199/yr · Reward rate 0.3%

    Downgrade Closed

  10. Kotak Mojo Platinum

    ₹2,100 a year, after fees

    ₹1,000 fee · Lounges in India · Reward rate 0.3%–0.6%

    Ranked higher: its bonus category adds ₹1,200 a year

    Downgrade Closed

  11. Myntra Kotak

    ₹12,600 a year, after fees

    ₹500 fee · Lounges in India · Reward rate 1.3%–7.5%

    Ranked higher: its bonus category adds ₹7,300 a year

    Cancel Closed

  12. PVR Kotak Platinum

    ₹8,600 a year, after fees

    ₹0 joining + ₹999/yr

    Cancel Closed

  13. Kotak Solaris Platinum

    ₹5,500 a year, after fees

    ₹500 fee · Reward rate 0.3%–0.8%

    Ranked higher: its bonus category adds ₹1,300 a year

    Cancel Closed

  14. Easyday Kotak Titanium Card

    ₹4,500 a year, after fees

    ₹0 joining + ₹499/yr · Reward rate 0.5%–1%

    Ranked higher: its bonus category adds ₹1,400 a year

    Cancel Closed

  15. Easyday Kotak Silver Card

    ₹4,500 a year, after fees

    ₹0 fee · Reward rate 0.5%–1%

    Ranked higher: its bonus category adds ₹1,400 a year

    Cancel Closed

  16. Kotak Feast Gold

    −₹500 a year, after fees

    ₹0 joining + ₹499/yr · Reward rate 0%–10%

    Ranked higher: its bonus category adds ₹5,400 a year

    Cancel Closed

  17. Kotak IndiGo 6E Rewards

    Not valued fee or rewards not published

    ₹700 fee

    Cancel Closed

  18. Kotak IndiGo 6E Rewards XL

    Not valued fee or rewards not published

    ₹1,500 fee · Lounges in India

    Cancel Closed

  19. Kotak Fortune Gold

    Not valued fee or rewards not published

    ₹0 fee

    Keep Closed

  20. Kotak Best Price Business

    Not valued fee or rewards not published

    ₹0 fee

    Cancel Closed

  21. Kotak Aqua Gold

    Not valued fee or rewards not published

    ₹0 fee

    Keep Closed

  22. Kotak Silk Inspire Platinum

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.5%–5%

    Keep Closed

Filter Kotak Mahindra Bank cards by fee, lounges or forex

Standard charges

The charges Kotak Mahindra Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

Kotak Mahindra Bank's standard charges
ChargeWhat the bank saysOur readCards
Late payment feeNil ≤₹100; ₹100 (₹101–500); ₹500 (₹501–1,000); ₹600 (₹1,001–5,000); ₹750 (₹5,001–10,000); ₹900 (₹10,001–25,000); ₹1,100 (₹25,001–50,000); ₹1,300 (>₹50,000)12 of 18

Cards counts the Kotak Mahindra Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

Kotak Mahindra Bank in RBI's figures

Cards in force
48,86,234
3.9% of India's cards
Spent in August 2026
₹6,791 crore
50% of it online
Spend per card
₹13,898
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Kotak Mahindra Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Revised Cardholder Agreement & Schedule of Charges (updated 31 July 2026) — §10.1 reproduces the White milestone grid and §10.4(a) caps White Pass at ₹27,000 a year read
  2. Official Fees & charges page — joining Nil, annual "Nil (₹2,500 for Paid Variant)", waived on ₹5,00,000 annual retail spends or a Black/Platinum banking relationship read
  3. Official Key Fact Statement — "Kotak UPI Rupay Credit Card: Joining Fee NA, Annual Fee NA", 3.75% a month interest, 3.5% forex and 3.5% dynamic currency conversion read
  4. Official Key Fact Statement — ₹49,000 annual fee waived for eligible Kotak Private clients, NIL joining and add-on fees, NIL forex markup and DCC fee, and the full charge schedule read
  5. Official Key Fact Statement — Indian Oil Kotak Credit Card at ₹449 joining and ₹449 annual, waived on ₹50,000 of retail spend, forex 3.50% read
  6. Official Key Fact Statement — IndiGo Kotak XL Credit Card (version KFSIKXL12032026) — joining ₹3,000, annual ₹3,000, add-on NA read
  7. Official Key Fact Statement — Joining Fee ₹750 and Annual Fee ₹750 in two separately labelled columns, waived at ₹2 lakh of retail spend read
  8. Official Key Fact Statement — Joining Fee ₹750 and Annual Fee ₹750 in two separately labelled columns, waived at ₹2 lakh of retail spend read
  9. Official Key Fact Statement — Kotak Air+ Prime Credit Card (version KFSA+P24042026) — joining ₹3,000, annual ₹3,000, joining-fee waiver NA, annual fee waived at ₹4,00,000 retail spend read
  10. Official Key Fact Statement — Kotak811 Super Money Credit Card: joining ₹249 waived on a ₹5,000 fixed deposit, annual fee NIL, foreign-currency markup 2% read
  11. Official Key Fact Statement PDF (version KFSWR12032026) — joining ₹12,500, annual ₹12,500, add-on waived, annual-fee waiver at ₹10 lakh retail spends a year read
  12. Official Kotak Air official product page — feature list carries welcome/renewal Air Miles, accelerated + base earn, lounge, fuel-surcharge waiver and redemption values read
  13. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read