Kotak Mahindra Bank offers a wide variety of credit cards that suit different spending preferences, from lifestyle and travel perks to cashback on daily expenses. With attractive rewards, premium features, and competitive fees, Kotak Mahindra Bank ensures its customers get maximum value.
This guide will provide an overview of the features, rewards, fees, and benefits of Kotak Mahindra Bank Credit Cards to help you make an informed decision.
This guide will walk you through the
Shopping | Food
Cashback
Fuel
Reward Points
Shopping
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Travel | Shopping
Reward Points
Movies
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Shopping
Reward Points
| Card Name | Best For | Key Benefits | Reward Rate | Annual Fee |
| Kotak Mahindra Bank Royale Signature Card | Premium Lifestyle | Airport lounge access, milestone rewards, concierge service | 10 Reward Points per INR 100 spent | INR 3,999 |
| Kotak Mahindra Bank Privy League Credit Card | Luxury & Travel | Exclusive travel benefits, golf privileges, dining offers | 12 Reward Points per INR 100 spent | INR 7,500 |
| Kotak Mahindra Bank PVR Gold Credit Card | Entertainment & Movies | Discounts on movie tickets, dining offers | 4 Reward Points per INR 100 spent | INR 1,999 |
| Kotak Mahindra Bank Essentia Credit Card | Everyday Spending | Cashback on all spends, fuel surcharge waiver | 2 Reward Points per INR 100 spent | INR 499 |
| Kotak Mahindra Bank Edge Credit Card | Shopping & Rewards | Discounts on shopping, dining, and partner offers | 6 Reward Points per INR 100 spent | INR 1,299 |
Card Name Reward Rate How to Redeem Kotak Mahindra Bank Royale Signature Card 10 Reward Points per INR 100 spent Redeem for travel bookings, luxury services, or vouchers Kotak Mahindra Bank Privy League Credit Card 12 Reward Points per INR 100 spent Redeem for premium travel experiences or shopping Kotak Mahindra Bank PVR Gold Credit Card 4 Reward Points per INR 100 spent Redeem for movie tickets, entertainment offers, or dining Kotak Mahindra Bank Essentia Credit Card 2 Reward Points per INR 100 spent Convert points into cashback or partner discounts Kotak Mahindra Bank Edge Credit Card 6 Reward Points per INR 100 spent Redeem for shopping, dining, or lifestyle benefits
| Fee Type | Details |
| Annual Fee | INR 499 to INR 7,500 depending on the card type |
| Late Payment Fee | INR 300 to INR 1,000 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% on all international transactions |
| Cash Advance Fee | 2.5% of the withdrawn amount (min INR 500) |
| Interest Rate | Up to 3.5% per month (42% per annum) |
Kotak Mahindra Bank Credit Cards offer great rewards and exclusive benefits for various needs, whether you’re looking for luxury, entertainment, or simple cashback. With competitive annual fees and comprehensive features, Kotak Mahindra Bank provides a card for every type of spender. Compare the options and select the card that fits your spending habits and financial goals!
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