Kotak Mobiles Premier Credit Card

Kotak Mahindra Bank

The Kotak Mobiles Premier Credit Card is a niche lifetime-free card designed specifically for consumers who frequently purchase mobile phones and electronics. The standout feature is 5% cashback on mobile phones and electronics, capped at ₹1,000 per month — this means a consumer buying a ₹30,000 phone every few months can earn ₹1,500+ in annual cashback at zero cost. The 1% cashback on dining and 0.5% on all other transactions provides modest rewards on other spending categories. The fuel surcharge waiver adds value for vehicle owners. The card's focused reward structure makes it particularly suitable for tech-savvy consumers who upgrade phones and electronics regularly. Since it is a lifetime free card, it can be paired with a premium card that covers lounge access and travel, while this card handles electronics purchases optimally. Source: Kotak Mahindra Bank official website, updated May 2026.