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Credit Cards in Kotak- Top 5 Credit Cards of Kotak Mahindra Bank

Kotak Mahindra Bank Top 5 Credit Cards

Choosing the correct credit card might be crucial when it comes to personal money. Your financial journey can be improved in many ways with a carefully selected credit card, from collecting attractive rewards to taking advantage of special perks. Of all the options available, Kotak Mahindra Bank is notable for having a wide range of credit cards that are designed to accommodate a variety of demands and tastes.

We set out to investigate the best of the best—the top 5 credit cards that Kotak Mahindra Bank has to offer—in this blog post. With features, advantages, and rewards tailored to suit varying spending patterns and lifestyles, each card has something special to offer. There is a Kotak Mahindra credit card made specifically for you, whether you're a frequent traveller searching for top travel benefits or a shrewd shopper trying to maximise cashback.

Come explore the unmatched features of Kotak Mahindra Bank's best credit cards, which will enable you to make wise choices and open up a world of financial opportunities. Find out why these cards are so much better than the others, and start along the path to ease and financial success.


Kotak IndiGo 6E Rewards XL Credit Card

  • Joining and Annual Fees: INR 2500 (1500 as an introductory fee). 

  • Interest Rates: 3.50% (Annualized 42%). 

  • Welcome Benefit: Customers get a welcome ticket worth Rs. 3,000. 

  • Rewards System: 6 6E rewards for every INR 100 spent on IndiGo Spends, 3 6E rewards for every INR 100 spent on Merchant Spends (Including Dining, Grocery & Entertainment), and 2 6E rewards on every INR 100 spent on Other Categories. Effective Cashback Rate: 6% (IndiGo Spends), 3% (Dining, Grocery & Entertainment), 2% (Other Spends).

  • Special Feature: 8 lounge access per year with 2 every quarter. 


The Kotak IndiGo 6E Rewards XL Credit Card is a travel-focused credit card that offers a range of benefits for frequent flyers. Cardholders can enjoy double travel rewards, making it an attractive option for those who often fly with IndiGo Airlines. The card provides a welcome ticket worth Rs. 3,000 and 6E Prime add-ons, including priority check-in, seat choice, and a complimentary meal. Additionally, cardholders receive 8 complimentary lounge accesses per year, enhancing the travel experience with a touch of luxury. The card also offers the opportunity to earn rewards on everyday purchases, which can be redeemed for IndiGo flights. It's important to note that the welcome benefits are subject to the payment of a joining fee and are not applicable if the fee is waived. For frequent travelers who prefer IndiGo for their journeys, this card could potentially offer savings and convenience.


Myntra Kotak Credit Card

  • Joining and Annual Fees: INR 500

  • Interest Rate: 3.7% per month, 44.4% per year

  • Welcome Benefit: Kickstart Your Myntra x Kotak Credit Card Experience with a Myntra Voucher worth Rs.500 on activation of the card. Complete 1 transaction worth Rs. 500 or more within 30 days of card issuance to be eligible for the activation benefit.

  • Effective Cashback Rate: 4.5%

  • Special Feature: Instant Discount of 7.5% on Myntra.


The Myntra Kotak Credit Card offers a plethora of benefits designed for the modern shopper. Cardholders can enjoy an instant discount of 7.5% on all purchases made on Myntra's platforms, with a maximum discount of ₹750 per transaction. Additionally, a cashback of 5% is available on spends across preferred partner categories, subject to a maximum cashback of ₹1,000 per statement cycle. For other online and offline purchases, an unlimited 1.25% cashback is earned, excluding spending on rent, wallet top-ups, and fuel.

The card also provides complimentary membership to the Myntra Insider Program. These features make the Myntra Kotak Credit Card a valuable asset for those who frequently shop on Myntra and its partner brands, offering a blend of discounts, cashback, and additional perks that enhance the shopping experience.


IndianOil Kotak Credit Card

  • Joining Fee: INR 449 

  • Interest Rate: 3.5% per month, 42% per year.

  • Welcome Benefit: Get 1000 Reward points as a welcome benefit on spending INR 500 within 30 days of card issuance.

  • Effective Cashback Rate: 0.5% to 5%.

  • Special Feature: Save 4% as Reward Points on IndianOil Fuel Spends. Earn 24 Reward Points on every INR 150 spent, capped at 1200 Reward Points per statement cycle.


The IndianOil Kotak Credit Card is a strategic collaboration between Kotak Mahindra Bank and IndianOil Corporation Limited, designed to offer consumers a range of benefits and savings, particularly on fuel purchases. Cardholders can enjoy up to 5% savings on fuel transactions at IndianOil outlets, which is calculated as 4% in the form of Reward Points and a 1% fuel surcharge waiver. Additionally, the card offers 2% savings on dining and grocery spends in the form of Reward Points. The card is powered by RuPay and comes with an annual fee of INR 449, which can be waived off if the cardholder spends INR 50,000 in the previous anniversary year. As a welcome benefit, new users can earn 1000 Reward Points by spending INR 500 within the first 30 days of card issuance. The card also provides a personal accident insurance cover of INR 2,00,000. For convenience, cardholders have access to concierge services for various bookings and reservations. An add-on card feature is available, allowing cardholders to share the benefits with family members while setting a spend limit and tracking expenses separately. The IndianOil Kotak Credit Card is an attractive option for those who frequently incur fuel expenses and prefer to refuel at IndianOil stations, offering a blend of rewards and convenience.


PVR INOX Kotak Credit Card

  • Joining Fee: Nil

  • Interest Rate: 3.5% p.m. (Annualized 42%).

  • Welcome Benefit: None

  • Effective Cashback Rate: 2.5%

  • Special Feature: Cardholders get 1 free PVR INOX movie ticket worth Rs. 300 each on every Rs. 10,000 spent during a billing cycle.


The PVR INOX Kotak Credit Card is a specialized financial product designed for movie enthusiasts, offering a range of benefits tailored to enhance the cinematic experience. Cardholders can enjoy unlimited movie tickets by spending a certain amount on their card each month. For every INR 10,000 spent, one is eligible to receive a movie ticket, with the potential to earn multiple tickets based on the total monthly expenditure. Additionally, the card offers a flat 20% discount on food and beverages at PVR INOX cinemas, as well as a 5% discount on movie tickets, further enriching the movie-going experience.

To redeem the movie tickets, known as M-Coupons, cardholders can easily claim them through the Kotak Mobile Banking App or Net Banking by following a few simple steps. The PVR INOX Kotak Credit Card also grants access to In-Cinema Lounges without any additional cost for entry, although any purchases within the lounge are the cardholder's responsibility. This feature adds a touch of luxury to the movie-watching journey, allowing one to indulge in a more premium experience.


Kotak 811 Credit Card

  • Joining Fees: INR 500

  • Interest Rate: 3.5% per month, 42% per year.

  • Welcome Benefit: 500 Bonus Reward Points on expenditure of Rs. 5,000 within 45 days of card issuance.

  • Special Feature: Save railway surcharge of 1.8% for transactions on and 2.5% for transactions on Indian Railways Booking Counters.


The Kotak 811 is a credit card that offers a variety of benefits tailored for the savvy spender. With this card, users can enjoy interest-free cash withdrawals, a credit limit up to 90% of their term deposit amount, and rewards on all purchases. Specifically, cardholders earn 2 reward points for every Rs. 100 spent online and 1 reward point for every Rs. 100 spent on other purchases. Additionally, there's an activation offer that grants 500 bonus reward points upon spending Rs. 5000 within the first 45 days of card setup. The card also provides surcharge waivers on fuel and railway bookings, adding to the savings. It's important to note that reward points are not offered on fuel and railway spends due to these waivers, nor on cash withdrawals. For those looking to share the benefits with family, add-on cards are available, which carry the same benefits and allow for separate spend tracking. The card's security features include an embedded EMV chip and a 6-digit PIN for secure transactions.



In the realm of credit cards, Kotak Mahindra Bank has solidified its position as a frontrunner, offering a diverse range of cards designed to cater to the varying needs and preferences of its customers. As we conclude our exploration of the top 5 credit cards from Kotak Mahindra Bank, it's evident that each card brings its own unique blend of benefits, rewards, and privileges to the table.

Whether you're seeking travel perks, cashback rewards, or lifestyle privileges, Kotak Mahindra Bank has a credit card tailored to suit your requirements. From the opulent delights of the Kotak Royale Signature Credit Card to the practical advantages of the Kotak PVR Gold Credit Card, there's something for everyone in their lineup.

As you embark on your journey to select the perfect credit card, we hope that our guide has provided valuable insights to aid you in making an informed decision. Remember to assess your spending habits, lifestyle preferences, and financial goals to determine which Kotak Mahindra Bank credit card aligns best with your needs.

With the right credit card by your side, you can unlock a world of convenience, rewards, and financial empowerment. Whether you're swiping for groceries, booking your dream vacation, or indulging in a shopping spree, let Kotak Mahindra Bank credit cards be your trusted companion on your financial journey.

About Kotak Mahindra Bank Credit Cards

Kotak Mahindra Bank, established in 1985, has grown to become one of India's leading banking and financial services organizations, offering a wide range of financial products and services. Among its diverse offerings, the bank's credit cards stand out for their tailored benefits, catering to various customer needs. The bank's credit card portfolio is designed to enhance the cardholders' experience with features such as cashback rewards, discounts on partner brands, and travel benefits.


The credit cards from Kotak Mahindra Bank are known for their instant approval process and the convenience of online application, making them accessible to a broad customer base. The bank offers a variety of cards, including lifestyle, entertainment, fuel, premium, and co-branded credit cards, each with its unique set of advantages. For instance, the 811 Credit Card is popular for its reward points on online spends and annual spend-based cashback, while the IndiGo 6E Rewards Credit Card is favored by frequent flyers for its travel perks.


Kotak Mahindra Bank's credit cards are also recognized for their competitive joining and annual fees, with some cards offering a waiver on these charges based on the cardholder's spending patterns. The bank's credit card issuance policy is aligned with the individual's creditworthiness, ensuring responsible lending and borrowing practices.


Customer reviews often highlight the bank's responsive customer service and the value of reward points, although some users may find the reward point value lower compared to other banks. Despite this, the overall satisfaction among cardholders appears to be positive, as indicated by the growing number of credit cards issued by the bank, which has crossed over 60 lakhs as of February 2024.


Kotak Mahindra Bank's credit cards are considered worthy for their comprehensive benefits, ease of access, and customer-centric features. The bank's commitment to providing a rewarding credit card experience is evident in its diverse offerings and customer service excellence, making its credit cards a valuable financial tool for many consumers.


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