Best Credit Card of Kotak Mahindra Bank 2022
List of Best Kotak Mahindra Bank Credit Cards Category wise
- Kotak Royale Signature Credit Card
- Indigo Kotak Bank Credit Card–6E Rewards XL
- Kotak 811 DreamDifferent Credit Card
- Kotak Fortune Gold Credit Card
Kotak Bank Credit Card | Category | Annual Fee (INR) | Best Features |
---|---|---|---|
Royale Signature Credit Card | Lifestyle/ Travel/ Shopping | NIL | 4X reward points on every Rs. 150 spent, 4X reward points of Special Categories, Complimentary Airport Lounges |
Indigo-6E Rewards XL Credit Card | Travel/ Dining | 1500 | 6% Rewards on IndiGo Spends, 3% Rewards on Dining, Grocery & Entertainment, Free Air Ticket- ₹3000 |
811 DreamDifferent Credit Card | Shopping/ Reward | NIL | 2 reward points against every Rs. 100 of online spends, 500 bonus reward points on Activation and Rs. 5000 spends, withdraw cash up to 90% of your total credit limit |
Fortune Gold Credit Card | Shopping/ Movie | NIL | Easy Cash Access Kotak and other VISA ATMs, Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets |
4. Kotak Fortune Gold Credit Card

Fortune Gold Credit Card
No joining and annual fees.
Easy Cash Access
-
- Kotak and other VISA ATMs
- Cash and fund transfer at branch
- Call for a demand draft
- Fund transfer and demand draft online
Interest Free Cash
-
- Enjoy higher cash limit: 50% of your credit limit
- Cash Advance fee of Rs. 199 per Rs. 10,000 or part thereof
- Available all year around Up to 48 days
Fuel Surcharge Waiver
-
- Applicable on Transactions between Rs. 500and Rs. 3000
- Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500
Kotak Fortune Shield
-
- In case your Credit Card is stolen, you get a cover of Rs. 50,000 against fraudulent usage up to 7 days pre-reporting
- In case your Credit Card is stolen, you get a cover of Rs. 50,000 against fraudulent usage up to 7 days pre-reporting
Add-on Card
-
- Your Add-on Card will have all the benefits that you enjoy on your Card
- Your Add-on Card will have all the benefits that you enjoy on your Card
Extra Benefits
- Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets OR Cash back of Rs. 750
- You must be age between 21 to 65 years
- Income Rs. 3 Lakhs or above per annum
- Applicant should be a resident of India
- For Businessmen only
- Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
-
No Joining and Annual Fees
3. Kotak 811 DreamDifferent Credit Card

811 DreamDifferent Credit Card
No joining and annual fees.
Reward Points
-
- Earn 2 reward points against every Rs. 100 of online spends
- Earn 1 reward point against every Rs. 100 of other spends
Welcome Benefits
-
- Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
- Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
Interest free cash withdrawal
-
- You can withdraw cash up to 90% of your total credit limit
- You can withdraw cash up to 90% of your total credit limit
Fuel & Railway Surcharge waiver
-
- 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000 (max. Rs. 3500/year)
- 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year)
811 DreamDifferent Shield
-
- In case your Credit Card is stolen, you get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre reporting
- You must be age between 18 to 75
- Minimum FD Amount - Rs. 10,000
- Only Individual TDs are allowed
- Applicant should be a resident of India
- NRI customer can only apply via offline process
- No Joining and Annual Fees
- Against FD Amount - Rs. 10,000
2. Indigo Kotak Bank Credit Card–6E Rewards XL

Indigo Kotak Bank Credit Card
Joining & Annual fees- ₹1500
Reward points
- 6E Rewards can be earned on every INR 100 spends and no earnings will be applicable on IndiGo for group, corporate, SME and agent bookings
- Bonus 6E Rewards will be valid for 6 months from the date of issuance
-
Rewards on IndiGo Spends 6% Rewards on Merchant Spends (Includes Dining, Grocery & Entertainment) 3% Rewards on Other Category spends 2%
Lounge access
- Complimentary Domestic Airport Lounge access is permitted twice in every quarter at select airports
- 8 Lounge access per year with every quarter
Fuel Surcharge Waiver
- 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 500 to Rs. 4,000
Welcome Gift
- Free Air Ticket- ₹3000
- Free 6E Prime addon- ₹899
- Accor hotels stay voucher- ₹5000
- Accor hotels dining voucher- ₹1000
- Budweiser gift voucher- ₹250
- You should be age between 21 to 65 years
- Should be a resident of India
- Salaried or self-employed both are eligible
- Joining and Renewal Fee Rs. 1500
1. Kotak Royale Signature Credit Card

Royale Signature Credit Card
No joining and annual fees.
Reward Points
-
- 4X reward points on every Rs. 150 spent
- 4X reward points of Special Categories (Hotels, Restaurants , Travel Agencies & Tour Operators, Package Tour Operators, Airlines and Air Carriers,International Spends)
- 2X reward points of Other Categories
Travel Benefits
-
- Complimentary Airport Lounges in India and enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
- Complimentary Airport Lounges in India and enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
Fuel & Railway Surcharge waiver
-
- 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000 (max. Rs. 3500/year)
- Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
Extra Benefits
- Card stolen cover of Rs. 2,50,000
- Safe and Secure Contactless payments
- Visa payWave Credit Card and pay for transactions up to Rs. 5000 without a PIN
- You must be age between 21 to 65
- Gross Income Rs. 24 Lakhs or above per annum
- Only Individual TDs are allowed
- Applicant should be a resident of India
- Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- No Joining and Annual Fees
- Against FD Amount - Rs. 10,000