Reward points

• 4X Reward Points on select merchant categories (1 reward point = ₹ 0.50)
  

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Savings points

• 4 savings points per Rs. 100 spent at departmental stores and grocery
• 2.5 savings points per Rs. 100 spent on cellphone and electricity bills
• 2 savings points per Rs. 100 spent on consumer durables or electronic items
• 1.5 savings points per Rs. 100 spent on books, restaurant bills, insurance premium and medical bills
• 0.5 savings points per Rs. 100 on all other spends
  

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Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations
  

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Welcome gift

• EazyDiner Gift Voucher
  

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Extra Benefits

• Redeemed against dues on your card or airline miles

Reward Points

• 5x Reward Points on every Rs. 100 spent on groceries, movies, and departmental stores
• 1 Reward point for every Rs. 100 spent on other categories
  

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Earn Cashback

• 0.5% cashback on payment of card bill
  

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Fuel surcharge waiver

• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000
  

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Extra Benefits

• 3 lifetime free add-on cards
• Report loss of card immediately to ensure zero liability on any fraudulent transactions
• Up to 50 days of interest free credit from the date of any purchase

Reward points

• 4 reward points on every Rs 100 spent
• 1% cashback on all spends
  

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Fuel surcharge waiver

• 1% fuel surcharge waived for all fuel transactions between  Rs. 400 to Rs. 5,000
  

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Extra Benefit

• 3 lifetime free add-on cards
• Report loss of card immediately to ensure zero liability on any fraudulent transactions
• Up to 50 days of interest free credit from the date of any purchase

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
    

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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
    

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Fuel Surcharge Waiver

• • Applicable on Transactions between Rs. 500and Rs. 3000
  • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500
    

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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
    

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Add-on Card

• • Your Add-on Card will have all the benefits that you enjoy on your Card
    

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Extra Benefits

• Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets OR Cash back of Rs. 750

Reward Points

• • Earn 2 reward points against every Rs. 100 of online spends
  • Earn 1 reward point against every Rs. 100 of other spends
    

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Welcome Benefits

• • Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
    

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Interest free cash withdrawal

• • You can withdraw cash up to 90% of your total credit limit
    

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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)
    

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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

Reward Points

• • 10X Reward Points on incremental spends above ₹20,000 per month
  • 10X Reward Points on your Birthday
  • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
  • Reward points that never expire
    

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Welcome Gift

• • Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
  • 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance
    

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Fuel Surcharge Waiver

• • 1%, at all fuel stations across India, up to ₹ 200/month
    

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Railway Surcharge Waiver

• • 4 complimentary Railway lounge visits per quarter
    

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IDFC FIRST Millennia Shield

• • Personal Accident Cover of ₹ 2 lakhs
    
  • Lost Card Liability Cover of ₹ 25, 000
  • Complimentary Roadside Assistance Rs. 1,399
    

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Extra Benefits

• 25% discount on movie tickets up to ₹ 100 (valid once per month)
• 50+ in-App discount offers
• Up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets

Earn Reward Points

• • 10X Reward Points on incremental spends above ₹20,000 per month
  • 10X Reward Points on your Birthday
  • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
  • Unlimited Reward points that never expire
    

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Welcome Gift

• • Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
  • 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance
    

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Fuel Surcharge Waiver

• • 1%, at all fuel stations across India, up to ₹ 3oo/month
    

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Lounge access

• 4 complimentary Railway lounge visits per quarter
• 4 complimentary Domestic airport lounge visits per quarter

Insurance and Road Assistance

• Travel Insurance Cover of ₹ 22,500
• Air Accident Cover of  ₹ 1 crore
• Personal Accident Cover of ₹ 5 lakhs
• Lost Card Liability Cover of ₹ 50,000

Extra Benefits

• 25% discount on movie tickets up to ₹ 250 on Paytm mobile app (valid once per month)
• 50+ in-App discount offers
• Up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets

Earn Reward Points

• • 10X Reward Points on incremental spends above ₹20,000 per month
  • 10X Reward Points on your Birthday
  • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
  • Unlimited Reward points that never expire
    

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Welcome Gift

• Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
• 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance
  

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Fuel Surcharge Waiver

• • 1%, at all fuel stations across India, up to ₹ 4oo/month
    

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Lounge access

• • 4 complimentary Domestic & International airport lounge visits per quarter
    

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IDFC FIRST Wealth Benefits

• 2 complimentary Golf rounds per month
  

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Insurance and Road Assistance

• Air Accident Cover of ₹ 1 cr
• Personal Accident Cover of ₹ 10 lakhs
• Travel Insurance Cover of Rs. 22,500
• Complimentary Roadside Assistance Rs. 1,399

Extra Benefits

• 25% discount on movie tickets up to ₹ 500 Paytm mobile app (valid once per month)
• 50+ in-App discount offers
• Up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets

Reward points

• 5x rewards on subsequent purchases made after crossing spend amount of INR 400,000 with a max 15,000 accelerated (reward points in an anniversary year)

Earn Cashback

• Get cashback worth INR250 on spending over INR50,000 in a month
  

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Lounge Access

• Introductory benefits up to INR 2,250 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine (meal) vouchers
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
  

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Fuel Surcharge Waiver

• Up to INR3,000 annual savings on fuel surcharge
  

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Welcome privileges (minimum transaction INR1,000 within 30 days of card issuance)

Earn Cashback

• 5% cashback on your purchases through Amazon for prime users
• 3% cashback on purchases through Amazon for non-prime users
• 2% cashback on all transactions using Amazon Pay at partner merchants
• 1% cashback on all other transactions
  

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Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations
  

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Dining Benefits

• 15% on your dining bill at participating restaurants