Kotak Mahindra Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 9 Kotak Mahindra Bank credit cards, including Privy League Signature Credit Card, Zen Signature Credit Card, 811 #DreamDifferent Credit Card, IndianOil Kotak Credit Card, White Reserve Credit Card, Kotak White Credit Card and 3 more.

Cards from the same bank can look alike but differ in what they reward. Compare each Kotak Mahindra Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

Kotak Mahindra Bank credit cards and their terms

Privy League Signature Credit Card (Kotak Mahindra Bank): no joining fee · annual fee ₹2,500, waived on ₹5,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 2% · credit score 750+. A premium lifestyle credit card for Kotak Privy League customers, offering flexible reward plans, global lounge access, and a low forex markup. Perks: Priority Pass Membership with 4 complimentary international lounge visits per year; 2 complimentary domestic airport lounge visits per quarter; Flexibility to choose between Shopper's and Traveller's reward plans.
Zen Signature Credit Card (Kotak Mahindra Bank): joining fee ₹1,500 · annual fee ₹1,500, waived on ₹1,50,000 yearly spend · base reward 0.67% of spend · lounge visits per year: 8 domestic, 3 international · forex markup 3.5% · income guide ₹4,80,000 a year · credit score 750+. A mid-tier shopping and lifestyle card offering bonus points on departmental stores and apparel, alongside decent airport lounge benefits. Perks: Welcome benefit of 1,500 Zen Points upon joining fee payment; 2 complimentary domestic airport lounge visits per quarter (spend-based); 3 complimentary international Priority Pass lounge visits per year.
811 #DreamDifferent Credit Card (Kotak Mahindra Bank): no joining fee · no annual fee · base reward 0.2% of spend · forex markup 3.5%. A lifetime-free, FD-backed credit card perfect for beginners to build credit via UPI without income proof. Perks: Interest-free cash withdrawals for up to 48 days; 1% fuel surcharge waiver up to ₹3,500 per year; 1.8% to 2.5% railway surcharge waiver up to ₹500 per year.
IndianOil Kotak Credit Card (Kotak Mahindra Bank): joining fee ₹449 · annual fee ₹449, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 3.5% · credit score 720+. An entry-level co-branded fuel card offering 4% rewards at IndianOil pumps and RuPay UPI functionality. Perks: 1,000 Reward Points as welcome benefit on spending ₹500 within 30 days; 4% value back as Reward Points at IndianOil (IOCL) fuel outlets; 2% value back as Reward Points on grocery and dining spends.
White Reserve Credit Card (Kotak Mahindra Bank): joining fee ₹12,500 · annual fee ₹12,500, waived on ₹10,00,000 yearly spend · forex markup 2% · credit score 750+. An ultra-premium metal card rewarding heavy spenders exclusively through high-value milestones, complete with unlimited global lounge access. Perks: Exquisitely crafted Metal Card; Complimentary Club Marriott Membership (20% off F&B across Asia Pacific); Unlimited complimentary domestic and international airport lounge access (includes add-on cardholders).
Kotak White Credit Card (Kotak Mahindra Bank): joining fee ₹3,000 · annual fee ₹3,000, waived on ₹5,00,000 yearly spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹25,00,000 a year. A premium lifestyle card for high spenders, offering zero regular reward points but lucrative White Pass values upon reaching annual spend milestones. Perks: Earn up to ₹27,000 in White Pass value annually via milestone spends; 4 complimentary international lounge visits annually via Priority Pass; 8 complimentary domestic lounge visits annually (2 per quarter).
PVR INOX Kotak Credit Card (Kotak Mahindra Bank): no joining fee · annual fee ₹499 · forex markup 3.5%. A co-branded entertainment card offering movie ticket discounts, F&B savings, and free ticket milestones for frequent PVR INOX visitors. Perks: Flat 5% instant discount on movie tickets at PVR INOX; Flat 20% instant discount on food and beverages at PVR INOX; 1 free PVR INOX movie ticket (M-Coupon worth up to ₹300) on every ₹10,000 spent in a monthly billing cycle.
League Platinum Credit Card (Kotak Mahindra Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.67% of spend · forex markup 3.5%. An entry-level card offering enhanced reward points on online shopping with a low annual fee waiver threshold. Perks: Earn 8 Reward Points for every Rs 150 spent on online shopping; Earn 4 Reward Points for every Rs 150 spent on other categories; Annual fee waiver on spending Rs 50,000 or more in an anniversary year.
Kotak Myntra Credit Card (Kotak Bank): joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1.25% of spend · forex markup 3.5%. A co-branded credit card designed for online shoppers with elevated cashback and discounts on Myntra and partner brands. Perks: 7.5% savings on Myntra purchases; 5% cashback on preferred partner brands (Swiggy, PVR, Cleartrip); 1.25% cashback on all other general retail spends.

Guides · How we rank · About · FAQ · Contact · Editorial policy · Disclaimer · Privacy · Terms

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.

Kotak Mahindra Bank credit cards: fees, rewards and eligibility compared

Kotak Mahindra Bank credit cards and their terms

Privy League Signature Credit Card (Kotak Mahindra Bank): no joining fee · annual fee ₹2,500, waived on ₹5,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 2% · credit score 750+. A premium lifestyle credit card for Kotak Privy League customers, offering flexible reward plans, global lounge access, and a low forex markup. Perks: Priority Pass Membership with 4 complimentary international lounge visits per year; 2 complimentary domestic airport lounge visits per quarter; Flexibility to choose between Shopper's and Traveller's reward plans.
Zen Signature Credit Card (Kotak Mahindra Bank): joining fee ₹1,500 · annual fee ₹1,500, waived on ₹1,50,000 yearly spend · base reward 0.67% of spend · lounge visits per year: 8 domestic, 3 international · forex markup 3.5% · income guide ₹4,80,000 a year · credit score 750+. A mid-tier shopping and lifestyle card offering bonus points on departmental stores and apparel, alongside decent airport lounge benefits. Perks: Welcome benefit of 1,500 Zen Points upon joining fee payment; 2 complimentary domestic airport lounge visits per quarter (spend-based); 3 complimentary international Priority Pass lounge visits per year.
811 #DreamDifferent Credit Card (Kotak Mahindra Bank): no joining fee · no annual fee · base reward 0.2% of spend · forex markup 3.5%. A lifetime-free, FD-backed credit card perfect for beginners to build credit via UPI without income proof. Perks: Interest-free cash withdrawals for up to 48 days; 1% fuel surcharge waiver up to ₹3,500 per year; 1.8% to 2.5% railway surcharge waiver up to ₹500 per year.
IndianOil Kotak Credit Card (Kotak Mahindra Bank): joining fee ₹449 · annual fee ₹449, waived on ₹50,000 yearly spend · base reward 0.5% of spend · forex markup 3.5% · credit score 720+. An entry-level co-branded fuel card offering 4% rewards at IndianOil pumps and RuPay UPI functionality. Perks: 1,000 Reward Points as welcome benefit on spending ₹500 within 30 days; 4% value back as Reward Points at IndianOil (IOCL) fuel outlets; 2% value back as Reward Points on grocery and dining spends.
White Reserve Credit Card (Kotak Mahindra Bank): joining fee ₹12,500 · annual fee ₹12,500, waived on ₹10,00,000 yearly spend · forex markup 2% · credit score 750+. An ultra-premium metal card rewarding heavy spenders exclusively through high-value milestones, complete with unlimited global lounge access. Perks: Exquisitely crafted Metal Card; Complimentary Club Marriott Membership (20% off F&B across Asia Pacific); Unlimited complimentary domestic and international airport lounge access (includes add-on cardholders).
Kotak White Credit Card (Kotak Mahindra Bank): joining fee ₹3,000 · annual fee ₹3,000, waived on ₹5,00,000 yearly spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹25,00,000 a year. A premium lifestyle card for high spenders, offering zero regular reward points but lucrative White Pass values upon reaching annual spend milestones. Perks: Earn up to ₹27,000 in White Pass value annually via milestone spends; 4 complimentary international lounge visits annually via Priority Pass; 8 complimentary domestic lounge visits annually (2 per quarter).
PVR INOX Kotak Credit Card (Kotak Mahindra Bank): no joining fee · annual fee ₹499 · forex markup 3.5%. A co-branded entertainment card offering movie ticket discounts, F&B savings, and free ticket milestones for frequent PVR INOX visitors. Perks: Flat 5% instant discount on movie tickets at PVR INOX; Flat 20% instant discount on food and beverages at PVR INOX; 1 free PVR INOX movie ticket (M-Coupon worth up to ₹300) on every ₹10,000 spent in a monthly billing cycle.
League Platinum Credit Card (Kotak Mahindra Bank): joining fee ₹500 · annual fee ₹500, waived on ₹50,000 yearly spend · base reward 0.67% of spend · forex markup 3.5%. An entry-level card offering enhanced reward points on online shopping with a low annual fee waiver threshold. Perks: Earn 8 Reward Points for every Rs 150 spent on online shopping; Earn 4 Reward Points for every Rs 150 spent on other categories; Annual fee waiver on spending Rs 50,000 or more in an anniversary year.
Kotak Myntra Credit Card (Kotak Bank): joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1.25% of spend · forex markup 3.5%. A co-branded credit card designed for online shoppers with elevated cashback and discounts on Myntra and partner brands. Perks: 7.5% savings on Myntra purchases; 5% cashback on preferred partner brands (Swiggy, PVR, Cleartrip); 1.25% cashback on all other general retail spends.

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.