Kotak Mahindra Bank Credit Cards

Kotak Mahindra Bank offers a wide range of credit cards that cater to every need of its customers. The features and benefits that each type of credit card brings are unique. Credit cards from this bank come in different categories- for Shopping, for Lifestyle Privileges, for Dining and Entertainment, for NRI citizens, for Corporate Banking, and others.

Types of Credit Cards


  • Urbane Gold Credit Card: Many benefits and reward points on retail spends and movie tickets.
  • Essentia Platinum Credit Card: Savings and discounts in grocery and household shopping.
  • Silk Inspire Credit Card-Essentially for Women: Savings on apparels and fuel expenses.

Lifestyle Privileges:

  • Wealth Management Infinite Credit Card: Extra credit benefits and access to special features.
  • Royale Signature Credit Card: More reward points on spends and annual benefits.
  • League Platinum Credit Card: Access to the Milestone Program and other rewards.
  • Privy League Signature Credit Card: VIP memberships and many luxurious features.

Dining and Entertainment:

  • PVR Gold Credit Card: More entertainment with free movie tickets.
  • PVR Platinum Credit Card: Spend more to get extra free movie tickets.
  • Delight Platinum Credit Card: Cashback and waivers at dining and entertainment hubs.


  • NRI Royale Signature Credit Card: Special rewards on international spending.
  • Corporate Banking:
  • Corporate Gold Credit Card: Transparent and secure account management.
  • Corporate Platinum Credit Card: Higher transaction rewards.
  • Corporate Wealth Signature Credit Card: More cash back and interest-free funds.


  • Aqua Gold Credit Card: Milestone offers and fuel surcharge waiver.
  • Best Price Credit Card: Credit benefits on a 14-day cycle.
  • Fortune Gold Credit Card: Free movie tickets and much more.

Eligibility Criteria

An applicant has to fulfil the minimum criteria below to qualify for the credit card benefits from Kotak Mahindra Bank.

  • Age- More than 18 years, less than 75 years at the time of application. This could vary for different cards.
  • The current residential location should have the services of the bank available.
  • Should be a resident of India unless applying for NRI credit card when an Indian residential address for the Non-Resident Indian is required.
  • Term deposits are required for some Credit Cards.
  • Income per annum has to be above Rs. 3 lakhs.
  • Identification documents and address proofs must be provided as and when asked for.
  • Passport size photographs required for documentation.

  • Features of the Credit Cards

    Credit Cards for Shopping

    • For every Rs. 100 of retail spending get 3X reward points.
    • 1000 reward points are equal to Rs. 75.
    • Minimum 1000 points required to redeem them.
    • Urbane Shield provides a cover of Rs. 50,000 against fraudulent use in case your card gets stolen.
    • Spend Rs. 1,00,000 in one year and get 4 free PVR movie tickets or 1,000 reward points.
    • The PVR tickets can be used for any show any day and are transferable.
    • Enjoy 10% savings on shopping at Grocery and Departmental stores.
    • Earn 10 saving points for every Rs. 100 that you spend.
    • Minimum transaction must be Rs. 1,500 and maximum Rs. 4,000.
    • Maximum Saving Points you can earn in a month is 500 and redeems Rs. 500.
    • You can earn saving points when shopping for other categories. 1 saving point is rewarded for every Rs. 250.
    • Spend Rs. 1,25,000 in 6 months and get 6 PVR movie tickets free or 1200 reward points free.
    • Up to 5x reward points on every Rs. 100 spent on shopping for Apparels.
    • 1 reward point equals Re. 1 and maximum retail spending in a billing cycle are of Rs. 7500.
    • Every Rs 200 spent on other categories gets you 1 reward point.
    • Get many offers on Dining, Shopping, Entertainment, and Travel with this card.
    • Enjoy fuel surcharge waiver at every petrol pump in India.
    • If your credit card gets stolen, the Silk Inspire Shield covers fraudulent usage of up to Rs. 75,000.
    • Spend Rs. 1,25,000 every 6 months and get 4 free PVR movie tickets or 1000 reward points.
    • Enjoy up to 8 PVR tickets in a year and 2000 reward points in a year.

    Credit Cards for Lifestyle Privileges

    • Get a personalised card design that features what you want on the face of the card.
    • Enjoy a higher credit limit as this card comes with a minimum credit of Rs. 10 lakh that can be increased instant through an additional spending limit for your big purchases.
    • Get access to International events for fashion, sports, dining, and entertainment. These great and prestigious events take place all around the world and you deserve to be a part of them.
    • Enjoy privileges all year round with this card and get invites to premium events crafted for you.
    • Escape your busy life with access to the best golf courses in India and the world.
    • Earn up to 4X Reward Points on every Rs. 150 spent across special categories that include hotels, restaurants, package tour operators, travel agencies, tour operators, and much more.
    • Earn 2X reward points on spending in other categories.
    • Accumulate reward points and redeem them for multiple options such as mobile recharge, airline tickets, merchandise shopping, and much more.
    • Travel in comfort by getting access to airport lounges in India with added benefits like widescreen TVs, gourmet meals, comfortable seating, free Wi-Fi, and others.
    • Enjoy an enhanced security with a cover of up to Rs, 2,50,000 against its fraudulent use.
    • The Premier Rewards Program benefits you with this credit card.
    • Earn 8X reward points on spending up to Rs. 2 lakhs and above annually in special categories.
    • Spend up to Rs. 2 lakhs on other categories to earn 4X reward points and more than that to get 8X reward points.
    • Get a movie voucher worth Rs. 500 on joining.
    • Fuel surcharge waiver on transactions between Rs. 500 and Rs. 3000, maximum waiver allowed in a year is Rs. 3500.
    • Save on railway tickets booking with a surcharge waiver up to Rs. 500 in a calendar year.
    • The League Shield protects you if your card gets stolen with a cover of up to Rs. 75,000.
    • This card is offered especially to Insignia and Optima customers and gives them many lifestyle benefits.
    • Earn up to 5X reward points at specific shopping categories.
    • Access to airport lounges through the Priority Pass membership.
    • Protect your card against unauthorised access with a cover of Rs. 2,50,000 per annum.
    • Unlimited access to any Visa ATM globally.
    • Air accident insurance of Rs. 1 lakh.
    • Baggage insurance of Rs. 1 lakh.

    Credit Cards for Dining and Entertainment

    • Spend Rs. 10,000 and above to get 1 free PVR movie ticket every month.
    • Get 2 PVR tickets free on spending Rs. 15,000 and above in a month.
    • Shop anywhere in India to get free PVR movie tickets all year round.
    • Get 2 PVR movie tickets free every month by spending Rs. 10,000 and above in a monthly billing cycle.
    • Use the card all over India and get free movie tickets all year round.
    • Get Insurance cover if the card gets lost or stolen of up to Rs. 75,000 per year.
    • Earn 10 dining points on every Rs. 100 you spend in dining and movies.
    • Transactions of up to Rs. 4000 on dining and movies are eligible for dining points.
    • Easy access to the dining points from anywhere.
    • Spend more at least Rs. 10,000 on other categories to earn a 10% cash back on dining and movies.
    • Redeem this offer at any cafĂ©, restaurant, fast food joints, pizza joints, pubs, movie theatres and play theatres.
    • A maximum cashback of Rs. 600 is allowed on both Dining and Entertainment combined in a monthly billing cycle.
    • 2X reward points on international spends at 2 reward points for every Rs. 200.
    • Earn 1 reward point for every Rs. 200 spent in India.
    • When in India avoid the hassle of currency exchange by saving the mark-up fee charged on your credit card.
    • Enjoy fuel surcharge on transactions from Rs. 500 to Rs. 3000.

    Credit Cards for Corporate Banking

    • Earn higher reward point by spending on Corporate Card.
    • Redeem points easily every quarter.
    • Fuel surcharge waiver is given in any fuel stations across India.
    • Employees can spend easily on corporate cards and not worry about late payments and dues from their company.
    • The company can monitor employees’ spending and save costs.
    • Decide the spending limit for the company and employees conveniently.
    • Earn higher reward point by spending on Corporate Card.
    • Redeem points easily every quarter.
    • Fuel surcharge waiver is given in any fuel stations across India.
    • Get access to airport lounges.
    • Monthly statements help to monitor spending.
    • Earn more reward points with this credit card.
    • Overdraft facility available for over the limit credit spending.
    • Fuel and Railway surcharge waiver.
    • Easily redeemable no matter where you are.
    • vAirport lounge access all over the country.


    • Credit limit of up to 80% of the term deposit.
    • High credit limit of up to Rs. 12 lakhs.
    • Interest-free cash available all year round.
    • Transfer balance from other credit cards easily.
    • 14 days interest-free credit period
    • Add two cards for free
    • No joining fees applicable
    • Easy access to cash and fund transfer.
    • Higher cash limit at 50% of your credit limit.
    • Fuel and Railway Surcharge waiver all year round.