Kotak Feast Gold
CancelTable for two, bill for one — and nothing at all on the rest of your life.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Still costs ₹500 a year at ₹5,00,000 a month
At ₹5,00,000 a month, the top of the ladder we scan, on the everyday mix this card returns ₹0 gross against its ₹499 fee = −₹500 net — still under water, and nothing lower on the ladder does better. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #813
Why #813 A dining card that pays nothing on anything else. Ten percent on restaurants and cinemas, and a flat zero on groceries, fuel, travel, bills and every other rupee — against a ₹499 fee that no spend waives.
A Dining Point is worth ₹1 on the catalogue — four Kotak Rewards, the top of Kotak's per-point range. Redeem for statement credit instead and you get 70 paise, cut from ₹1 on 1 June 2025, with a 2,000-point minimum.
The take
Feast Gold is the narrowest card Kotak has ever sold, and it is honest about it. Ten Dining Points per ₹100 at restaurants and cinemas, a Dining Point worth a full rupee, so 10% back at the table and the multiplex. On everything else — groceries, fuel, flights, bills, insurance, a laptop — Kotak's own accrual table prints a single word in the other-category row: None. Four gates stand between the headline and the money, and all four are published. You have to put ₹5,000 of dining and movie spend through the card inside the billing cycle before any point is earned. Only the first five dining or movie transactions in the cycle count. No single transaction above ₹4,000 qualifies. And the whole thing stops at 600 Dining Points a cycle — ₹600 of value a month, ₹7,200 a year, and that is the card's entire earning capacity. The outlet has to be stand-alone too: a restaurant inside a hotel, a mall or a department store is excluded by Kotak's own clause 4.3, which is most of the good ones. Set that against ₹499 a year that no spend waives — Kotak prints NA in both waiver columns — and against a card that also has no fuel surcharge waiver, no railway surcharge waiver and no lounge access of any kind. It was called Trump Gold before Kotak renamed it; the schedule of charges still footnotes the change. It is discontinued for new sourcing, and if you are still holding one, the arithmetic is simple: unless you spend ₹6,000 a month at stand-alone restaurants and cinemas in five transactions or fewer, this card costs more than it pays.
Your renewal — keep, downgrade or cancel
On everyday spend, nothing we model covers this card’s fee — whatever it is worth, it is not worth it for swiping.
Keep, downgrade or cancel
₹499/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹499/yr
Break-even Nothing up to ₹5,00,000 a month covers this card's fee on everyday spend — at that ceiling it is still ₹499 a year under water. This model credits everyday earn and milestones, never the accelerator — on a card that pays mostly in dining & cinema at stand-alone outlets, that category is where any case for keeping it has to come from.
At your spend
−₹500 a year, net of the fee, at ₹3,00,000 of annual spend
−₹500 a year, net of the fee, at ₹6,00,000 of annual spend
−₹500 a year, net of the fee, at ₹12,00,000 of annual spend
−₹500 a year, net of the fee, at ₹36,00,000 of annual spend
−₹500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Kotak Mahindra Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
- 1 Jun 2025 Kotak's June-2025 fee wave washes over the premium deck issuer-wide
- 12 Feb 2025 RBI lifts Kotak's ten-month card-issuance ban issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 10 Dining Points per ₹100 at stand-alone restaurants and cinemas — 10% at ₹1 a point
- A Dining Point is worth a full rupee on the catalogue, four Kotak Rewards
- Nothing to join — Kotak prints NIL against the joining line beside the ₹499 renewal
- Add-on cards carry the same benefits, with per-card spend limits and separate tracking
- Balance transfer at a ₹349 processing fee per ₹10,000, with the interest-free period preserved on fresh purchases
Watch out
- Every rupee outside dining and cinema earns NOTHING — Kotak's accrual table prints "None" in the other-category row
- Four gates on the 10%: ₹5,000 of dining/movie spend in the cycle first, only the first five such transactions, nothing above ₹4,000 a transaction, and a hard 600-point cycle cap
- Restaurants inside hotels, malls and department stores are excluded — the outlet must be stand-alone
- The ₹499 never waives: Kotak prints NA in both waiver columns
- No fuel surcharge waiver and no railway surcharge waiver — Kotak names this card in both exclusion lists
- No lounge access: Kotak's India lounge programme lists its eligible variants set by set and Feast is in none of them
- Statement credit pays 70 paise a point since 1 June 2025, down from ₹1, with a 2,000-point minimum
- Discontinued for new sourcing — Kotak services existing holders and sells no more
What these points actually fly
No live transfer route takes Kotak Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Kotak's product page carries the disclaimer: "we have discontinued this product for new sourcing, and same is only displayed for existing Feast cardholders". Existing holders keep the card, and it is still priced in the current retail schedule of charges, which is why it is carried here. The card was sold as Trump Gold before the rename — the schedule of charges still footnotes it, "1Trump is now called as Feast."
Kotak Mahindra Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 30 Sept 2026Dream Different's unredeemed reward points expire after 30 September 2026Reward points accrued on the Dream Different Credit Card up to 31 March 2026 sitting in the account with no stated expiry date → A hard forfeiture date — "After 30th September, 2026, any unredeemed Reward Points will automatically expire"
The second half of the note that closed the programme is the part holders can still act on. Kotak's cardholder agreement gives every Dream Different point accrued up to 31 March 2026 a six-month redemption window that shuts on 30 September 2026, after which unredeemed points are forfeited outright. At the agreement's own conversion rate of 25 paise per point, a year of the card's headline 4-points-per-₹100 online earn on ₹1 lakh of online spend is roughly 4,000 points, about ₹1,000 — small money, but money that becomes zero on 1 October. Points redeem against the Kotak catalogue (flights, hotels, vouchers, merchandise) or as a statement credit through the rewards portal or the contact centre, each with its own minimum, so a last-week redemption risks missing the date on processing alone.
- 8 Sept 2026Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product
- 1 Sept 2026Kotak's Dream Different joining fee goes ₹250 → ₹424 and the waiver disappears
- 1 Sept 2026Kotak halves dynamic currency conversion on Dream Different, 3.5% to 2%
- 1 Apr 2026Kotak discontinues the reward points programme on Dream Different
- 1 Jun 2025Kotak guts Privy League Signature and pulls it from sale
- 1 Jun 2025Kotak's June-2025 fee wave washes over the premium deck
- 12 Feb 2025RBI lifts Kotak's ten-month card-issuance ban
Every Kotak Mahindra Bank change we've dated → 8 events since 2022, 5 of them nerfs — worst year 2026.
Verified against Kotak Mahindra Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Feast Gold product page — the 10-Dining-Point rate, the ₹5,000 cycle gate, the first-five-transactions rule, the 600-point cap and Kotak's discontinuation notice
- official Retail Credit Card Agreement & Schedule of charges (31-Jul-2026) — Feast Gold at nil joining and ₹499 annual, the "None" in its other-category row, and the 1-June-2025 cut to 70 paise
- official Kotak Credit Cards India Lounge Programme — the three enumerated sets of lounges and the card variants entitled to each, none of which is Feast