Kotak League Platinum Credit Card
Kotak Mahindra Bank logo

Kotak Mahindra Bank

Kotak League Platinum Credit Card

Visa
Regular

Your rating

Community rating

Best for Budget Kotak card — affordable ₹499 fee with Kotak Reward Points on all spends

Joining Fee

₹499

Annual Fee

₹499

Reward Rate

1.3% – 5.3%

Forex Markup

3.5%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key Benefits

Up to 8 Reward Points per ₹150 on eligible spends
5,000 Reward Points worth ₹500 as welcome benefit
4 free PVR movie tickets or 10,000 Reward Points on ₹1.25 lakh spends every 6 months
1% fuel surcharge waiver on ₹500–₹4,000 fuel transactions (up to ₹3,500/year)
Railway surcharge waiver up to ₹500/year on IRCTC bookings
Annual fee waiver on ₹50,000 annual spends
League Priority Assist callback service for customer support
Add-on cards available with shared benefits

Rewards

How you earn back on every swipe

points

Reward type

1.3% – 5.3%

Earn rate

5.33

Points / ₹100

₹0.1

Per point

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹499
Annual fee₹499
Fee waiver on annual spend₹50,000
Interest-free period51 days
Interest rate (APR)42%
Late payment fee (max)₹1,300
Cash advance fee0.53% (min ₹300)
Forex markup3.5%
Fuel surcharge waiverYes (₹500–₹4000)

Travel & Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • fuel spends do not earn reward points
  • railway transactions do not earn reward points
  • wallet load and gaming spends discontinued from rewards
  • insurance, government, rent and education spends discontinued from rewards

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

Checking sign-in…

Eligibility

Age21+ yrs – 60
Min. income₹41,667/month
CIBIL score650+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Good milestone benefits for moderate spenders
  • Low annual fee with easy waiver milestone
  • PVR ticket benefit adds decent entertainment value
  • Useful railway surcharge waiver for train travelers
  • Beginner-friendly rewards structure
  • Decent everyday lifestyle card for low annual fee
  • Often offered lifetime free to selected customers
Cons
  • Reward redemption value is relatively low
  • No airport lounge access
  • Forex markup is high at 3.5%
  • Reward structure can be confusing initially
  • Best rewards limited to selected spend categories
  • Cashback cards provide better overall returns today
  • Reward exclusions on fuel, rent, wallets, insurance & government spends from June 2025 onward
  • Kotak rewards ecosystem is weaker than HDFC/Axis/SBI competitors

Who is this card for?

Kotak bank customers wanting an affordable primary card with basic rewards. Good for first-time credit card users and those with modest monthly spends.

Quick Links

View on bank website

Data last updated 24 Mar 2026

All Kotak Mahindra Bank credit cards →Best Reward CardsBest Fuel Cards