Earn up to 8 reward points per ₹150 8 on special categories airlines, travel agencies, tour operators, departmental stores, consumer durables & electronics 4 on other eligible spends, rising to 8 on everything once annual spends cross ₹2 lakh
5,000 point ₹500 joining gift
railway surcharge waiver up to ₹500 year
milestone PVR tickets 10,000 points, and add-on cards
Interest-free period up to 51 days
Fees
Joining Fee5,000 reward points worth ₹500 credited on joining, post realization of the joining fee
₹589
₹499 + GST
Annual FeeThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy
₹589
₹499 + GST
Eligibility
Age
21-60 years
Salary
₹41.7K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% of the transaction amount applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹100 is levied for cash payments made at Kotak Mahindra Bank branch counters
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1,000
₹500
₹1,001 - ₹5000
₹600
₹5001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹900
₹25,001 - ₹50,000
₹1100
₹50,001 and above
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
