Are you in search of the best Kotak credit card that suits your financial needs and lifestyle? With a wide range of options available, it can be overwhelming to find the one that offers the best rewards, benefits, and features. To help you make an informed decision, we have compiled a list of the top 10 Kotak credit cards based on their unique features and advantages.
Best Kotak Credit Card
- Myntra Kotak Credit Card
- Kotak 811 Credit Card
- IndianOil Kotak Credit Card
- PVR Kotak Gold Credit Card
- 811 #DreamDifferent Credit Card
- Urbane Gold Credit Card
- Royale Signature Credit Card
- Biz Credit Card
- Privy League Signature Credit Card
- Mojo Platinum Credit Card
Myntra Kotak Credit Card
- Joining Fee: INR 500
- Annual Fee: INR 500
Are you an avid shopper at Myntra? The Myntra Kotak Credit Card is designed to enhance your shopping experience. With an instant discount of 7.5% on Myntra, you can save big on your fashion purchases. Additionally, you can enjoy a cashback of 5% on exclusive partners like Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company. For all other spends, you earn an unlimited cashback of 1.25%. This card is perfect for fashion enthusiasts who want to make the most out of their shopping sprees.
Kotak 811 Credit Card
- Joining Fee: INR 500
- Annual Fee: INR 500
The Kotak 811 Credit Card is designed for the digital-savvy generation. With this card, you can earn 2 Reward Points for every Rs. 100 spent online. Moreover, you can avail yourself of a cashback of Rs. 750 on crossing Rs. 75,000 spends every year. The annual fee is waived on retail spends of Rs. 50,000 in the previous anniversary year. If you’re someone who frequently shops online, this credit card offers great rewards and benefits.
IndianOil Kotak Credit Card
- Joining Fee: INR 449
- Annual Fee: INR 449
For those who spend a significant amount on fuel, the IndianOil Kotak Credit Card is the perfect choice. With this card, you can save 5% on fuel spends at IndianOil fuel pumps. Additionally, you earn 2% back as Reward Points on grocery and dining spends. The annual fee is waived on retail spends of INR 50,000 in the previous anniversary year. If you’re a frequent traveler and spend a considerable amount on fuel, this card offers excellent benefits.
PVR Kotak Gold Credit Card
- Joining Fee: INR 0
- Annual Fee: INR 499
Movie buffs, rejoice! The PVR Kotak Gold Credit Card is tailored to enhance your cinematic experience. With this card, you get one free PVR ticket every month on spends of ₹10,000 (each ticket up to Rs. 400). Furthermore, you can avail yourself of two free PVR tickets every month on spends of ₹15,000 (each ticket up to Rs. 400). Additionally, you get a 15% cashback on food and beverages at PVR. If you love watching movies, this card is a must-have.
811 #DreamDifferent Credit Card
- Joining Fee: INR 0
- Annual Fee: INR 0
The 811 #DreamDifferent Credit Card is designed for the dreamers and achievers. With this card, you earn 500 bonus reward points on activation + Rs. 5,000 spends in the first 45 days of card setup. For every Rs. 100 spent online, you earn 2 reward points. For other spends, you earn 1 reward point against every Rs. 100 spent. This card is perfect for those who want to be rewarded for their everyday purchases.
Urbane Gold Credit Card
- Joining Fee: INR 0
- Annual Fee: INR 199 (waived at an annual spend of Rs 15,000)
The Urbane Gold Credit Card offers a host of benefits to enhance your lifestyle. With this card, you earn 3 Reward Points against retail spends of Rs. 100. On annual spends of Rs. 1 lakh, you can get 4 PVR tickets or 10,000 Reward Points. The annual fee is waived on annual spends of Rs. 15,000. If you’re looking for a card that offers great rewards and lifestyle benefits, the Urbane Gold Credit Card is worth considering.
Royale Signature Credit Card
- Joining Fee: INR NIL
- Annual Fee: INR 999 (waived at an annual retail spend of Rs. 1 lakh)
The Royale Signature Credit Card is designed for those who enjoy a luxurious lifestyle. With this card, you can earn up to 30,000 Bonus Reward Points on annual retail spends of Rs. 8 lakhs. Additionally, you get 2 complimentary visits to airport lounges in India in a calendar quarter. The annual fee is waived on annual retail spends of Rs. 1 lakh. If you’re someone who values luxury and premium benefits, this card is perfect for you.
Biz Credit Card
- Joining Fee: INR 299
- Annual Fee: INR 499
The Biz Credit Card is an invite-only credit card designed for business owners and entrepreneurs. With this card, you can earn up to 4 Reward Points on every Rs. 100 spent. Additionally, you get a comprehensive insurance program worth 50 lakhs. If you are a business owner looking for a credit card that offers exclusive benefits and rewards, the Biz Credit Card is the right choice for you.
Privy League Signature Credit Card
- Joining Fee: Nil
- Annual Fee: INR 2,500
The Privy League Signature Credit Card offers premium benefits and rewards to high-net-worth individuals. With this card, you get 4 complimentary Priority Pass visits, 16 PVR tickets, and much more. You also enjoy low forex markup fees of 2% for all your international spends. Additionally, you can earn up to 30,000 bonus reward points on annual retail spends of Rs. 8 lakhs. If you are someone who values exclusivity and premium benefits, this card is tailored for you.
Mojo Platinum Credit Card
- Joining Fee: INR 1000
- Annual Fee: INR 1000
The Mojo Platinum Credit Card offers a unique set of rewards and benefits. With this card, you can earn unlimited 2.5 Mojo points for every Rs. 100 on online spends and 1 Mojo point for every Rs. 100 on other spends. Additionally, you get 2500 Mojo points every quarter on spends of 75000. If you’re looking for a credit card that provides flexible rewards and a straightforward redemption process, the Mojo Platinum Credit Card is worth considering.
Choosing the right credit card can make a significant difference in your financial journey. The 10 best Kotak credit card mentioned above cater to various needs and preferences.
FAQ
Can I apply for multiple Kotak credit cards?
Yes, you can apply for multiple Kotak credit cards as long as you meet the eligibility criteria for each card.
How can I apply for a Kotak credit card?
You can apply for a Kotak credit card online through the Kotak Mahindra Bank website or by visiting a Kotak Mahindra Bank branch.
What is the eligibility criteria for Kotak credit cards?
The eligibility criteria vary for each Kotak credit card. Generally, you need to meet certain age, income, and credit score requirements.
How long does it take to get approved for a Kotak credit card?
The approval process for a Kotak credit card can take 5-7 days, depending on the verification process and documentation requirements.
What should I do if my Kotak credit card is lost or stolen?
If your Kotak credit card is lost or stolen, you should immediately contact Kotak Mahindra Bank customer care helpline and block your credit card.
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