Kotak Mahindra Bank
Kotak League Credit Card
8x rewards on travel and shopping
₹499/yr annual fee · 5.33x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹499/yr
Reward rate
5.33x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹5 lakh/yr
Reward cap
No published cap
Welcome benefit
5,000 reward points worth Rs 500 on joining (fee variant only)
Kotak League (Platinum) earns 4 reward points per Rs 150 on retail and 8x on select travel and shopping categories, with a Rs 499 annual fee waived at Rs 50,000 spends.
Who is this for
- Rewards optimiser
- Frequent traveller
- Daily driver
What we like
- Milestone vouchers or extras
- 8x after Rs 2 lakh
Watch out for
- 3.5% foreign-transaction markup
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹499 | Not waivable |
| Annual fee | ₹499 | Minimum retail spends of Rs 50,000 in a year |
| Forex markup | 3.5% | Not waivable |
| Fuel surcharge | 1% | 1% waiver on Rs 500-4,000 fuel transactions, up to Rs 3,500 a year |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 4 Reward Points per Rs 150 on all eligible spends; from June 2025 utility earning capped at Rs 35,000 a statement cyc… | — | 1 Reward Point = Rs 0.07 as cash (min 2,000 points) or Rs 0.10 on Kotak Rewards catalogue from June 2025 |
| TRAVEL | 8 Reward Points per Rs 150 on special categories: travel agencies/tour operators, package tours, airlines, electric s… | — | 1 Reward Point = Rs 0.10 catalogue value |
Benefits
-
Joining gift
5,000 reward points worth Rs 500 on joining (fee variant only)
-
Spend milestone Highlight
4 free PVR tickets or 10,000 reward points for spending Rs 1,25,000 every six months, up to 8 tickets a year
-
8x after Rs 2 lakh Highlight
All eligible spends earn 8 Reward Points per Rs 150 once anniversary-year spends cross Rs 2 lakh
-
Fuel surcharge waiver
1% waiver on Rs 500-4,000 fuel transactions, up to Rs 3,500 an anniversary year
-
Railway surcharge waiver
Railway surcharge saved on IRCTC and counter bookings, capped at Rs 500 an anniversary year
Eligibility
- Age
- 21–60 years
- Min. income
- ₹5,00,000
- Documents
- Residents of Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Navi Mumbai or Pune with annual income of Rs 5 lakh and above; add-on holders 18+.
Read the full application walkthrough: Kotak League Credit Card apply guide.
Fees and charges
- Joining fee: Rs 499 — Nil variant available
- Annual fee: Rs 499 — Minimum retail spends of Rs 50,000 in a year
- Forex markup: 3.5%
- Fuel surcharge: 1% — 1% waiver on Rs 500-4,000 fuel transactions, up to Rs 3,500 a year
Rewards
- ALL: 4 Reward Points per Rs 150 on all eligible spends; from June 2025 utility earning capped at Rs 35,000 a statement cycle and wallet, insurance, government, rent, education and fuel earn nothing Redemption: 1 Reward Point = Rs 0.07 as cash (min 2,000 points) or Rs 0.10 on Kotak Rewards catalogue from June 2025.
- TRAVEL: 8 Reward Points per Rs 150 on special categories: travel agencies/tour operators, package tours, airlines, electric sales, durable goods, departmental stores Redemption: 1 Reward Point = Rs 0.10 catalogue value.
Benefits
- Joining gift: 5,000 reward points worth Rs 500 on joining (fee variant only)
- Spend milestone: 4 free PVR tickets or 10,000 reward points for spending Rs 1,25,000 every six months, up to 8 tickets a year
- 8x after Rs 2 lakh: All eligible spends earn 8 Reward Points per Rs 150 once anniversary-year spends cross Rs 2 lakh
- Fuel surcharge waiver: 1% waiver on Rs 500-4,000 fuel transactions, up to Rs 3,500 an anniversary year
- Railway surcharge waiver: Railway surcharge saved on IRCTC and counter bookings, capped at Rs 500 an anniversary year
Eligibility
- Minimum income: Rs 5,00,000 per annum
- Age: 21-60 years Residents of Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Navi Mumbai or Pune with annual income of Rs 5 lakh and above; add-on holders 18+.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: Kotak Mahindra Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the Kotak League Credit Card apply walkthrough →
Apply for Kotak League 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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Frequently asked questions
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