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Kotak Biz Edge Credit Card

Best for SMEs, startups, business expenses

₹999/yr annual fee

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹999/yr

Reward rate

Not published

Min. income

₹2,00,000

Forex markup

Not published

Lounge access

None

Eligibility

₹2 lakh/yr · CIBIL 700+

Reward cap

₹1,500/month

Welcome benefit

GST input tax credit benefit

Who is this for

  • SME owner
  • Startup founder

What we like

  • 2% on business expenses
  • GST benefits

Watch out for

  • Rs 999 annual fee

Fees and charges

Fee Amount Waiver
Joining fee ₹999 Not waivable
Annual fee ₹999 Waived on Rs 3 lakh annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
BUSINESS 2.00 ₹1,500/month 1.00
All spends 1.00 No cap 1.00

Benefits

  • SME-focused benefits Highlight

    2% cashback on business expenses including utilities and office supplies

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 500-3,000

  • GST benefit

    GST input tax credit benefit

Eligibility

Age
21–65 years
Min. income
₹2,00,000
Min. credit score
700+
Score note
Good credit history
Employment
self-employed
Documents
PAN, Aadhaar, business proof, GST

Kotak Biz Edge Credit Card is a VISA credit card from Kotak Mahindra Bank. It is best suited for SMEs, startups, business expenses.

Fees and rewards

  • Annual fee: Rs 999
  • Joining fee: Rs 999
  • Rewards: 2% on business expenses; 1% on all other purchases

Eligibility

PAN, Aadhaar, business proof, GST

Card data compiled from issuer published fee schedules. Status: active.

Apply for Kotak Biz Edge Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Kotak Biz Edge Credit Card worth it?
Kotak Biz Edge Credit Card is a credit card issued by its bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Kotak Biz Edge Credit Card?
Kotak Biz Edge Credit Card charges ₹999 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Kotak Biz Edge Credit Card reward rate work?
Kotak Biz Edge Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the Kotak Biz Edge Credit Card?
To qualify for Kotak Biz Edge Credit Card, you typically need: minimum annual income ₹2,00,000; CIBIL score of 700+; self-employed only. The eligibility tile on this page has the full published criteria.

Does the Kotak Biz Edge Credit Card offer airport lounge access?
Kotak Biz Edge Credit Card does not publish complimentary airport lounge access as a benefit.

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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

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