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Kotak Mahindra Bank Lifetime Free Credit Cards
Kotak Mahindra Bank offers credit cards that have zero joining and annual fees or minimum annual fees. The cards offer various benefits and rewards and one must compare them before deciding which one to apply for.Apply for Kotak Mahindra Bank credit cards here
Below is a list of Kotak Mahindra Bank Minimum Charge credit cards –
1) 811 #DreamDifferent Credit Card
2) Kotak Infinite Credit Card
3) Corporate Wealth Signature Credit Card
4) Corporate Platinum Credit Card
5) Corporate Gold Credit Card
6) Best Price Credit Card
Let us take a look at the key features of each of these credit cards.
About Kotak Mahindra Bank Lifetime Free Credit Card
- Kotak Mahindra Bank 811 #DreamDifferent Credit Card
- Kotak Mahindra Bank Infinite Credit Card
- Kotak Mahindra Bank Corporate Wealth Signature Credit Card
- Kotak Mahindra Bank Corporate Platinum Credit Card
- Kotak Mahindra Bank Corporate Gold Credit Card
- Kotak Mahindra Bank Best Price Credit Card
- Eligibility criteria for Kotak Mahindra Bank Lifetime Free Credit Cards
- Fees and charges applicable for Kotak Bank Credit Cards
- The application process for Kotak Mahindra Bank Credit Cards –
- FAQs of Kotak Mahindra Bank Lifetime Credit Cards:
Kotak Mahindra Bank 811 #DreamDifferent Credit Card
Key highlights of 811 Kotak Mahindra Bank 811 #DreamDifferent Credit Card
- No joining/annual fees
- Annual fees of Rs. 999
- 500 bonus reward points on spending Rs. 5,000 in the first 45 days.
- Avail of Interest-free cash withdrawals for up to 48 days, can withdraw up to 90% of the credit limit.
- No-interest cash advance period of 48 days
- Rs. 50,000 cover against fraudulent usage of the card.
- Enjoy the same benefits on the add-on card.
- 1% fuel surcharge waiver on all petrol pumps for transactions between Rs. 500 and Rs. 3,000 (maximum up to Rs. 3,500).
- 1.8% railway surcharge waiver on all online transactions at www.irctc.co.in and 2.5% on booking over the counter at the Indian railways (maximum up to Rs. 500 per year).
- Previously called Aqua Gold Credit Card
Kotak Mahindra Bank Infinite Credit Card
Key highlights of Kotak Mahindra Bank Infinite Credit Card
- No joining/annual fees
- Personalized card design, unique cardholder image on the face of the card.
- Minimum credit limit to be availed is Rs. 10 lakhs
- Golf benefits – 2 complimentary rounds of golf in the finest golf courses across the world. Applicable once a month. Invite a friend to enjoy a complimentary round of golf once a quarter.
- Bonus reward points – Avail 800 reward points worth Rs. 800 every month.
- Enjoy 4 complimentary visits every quarter to Dream Folks Lounges in India.
- Enjoy premium concierge services. These include
- Reservations for hotel and dining
- Assistance in flight bookings
- Assistance in booking special events and performances
- Assistance in referrals
- Spa and Fitness center information
- Avail a 1% fuel surcharge waiver at all petrol pumps in India. Valid for transactions between Rs. 400 to Rs. 4,000. Maximum Rs. 4,500 in a calendar year.
- Avail a 1.8% to 2.5% railway surcharge waiver while booking through www.irctc.co.in or any Indian railway booking counter. The maximum railway surcharge allowed in a calendar year is Rs. 500.
Kotak Mahindra Bank Corporate Wealth Signature Credit Card
Key highlights of Kotak Mahindra Bank Corporate Wealth Signature Credit Card
- No joining/annual fees
- Higher cash back earnings on spending on this card
- Avail Interest-free funds for up to 48 days
- Enjoy a fuel surcharge waiver on spends between Rs. 500 to Rs. 3,000. The maximum waiver to be availed is Rs. 3,500
- Avail of railway surcharge waiver while booking through www.irctc.co.in or any Indian railway booking counter. The maximum railway surcharge allowed in a calendar year is Rs. 500.
- Easy quarterly cash redemption of your points in the next billing cycle.
- Enjoy 2 complimentary visits every quarter to Dream Folks Lounges in India. Enjoy benefits such as gourmet dining, comfortable seating, newspapers, and magazines, Free wi-fi, etc.
- Widespread acceptability across 10 million merchants around the globe.
- Use the card for various corporate opportunities like business meetings, conferences, sales meets, association meetings, etc.
- Customize the company name on the card.
- Real-time SMS and email alerts.
- Consolidated payments handled for all employees by the company.
Kotak Mahindra Bank Corporate Platinum Credit Card
Key highlights of Kotak Mahindra Bank Corporate Platinum Credit Card
- No joining/annual fees
- Easy quarterly cash redemption of your points in the next billing cycle.
- Avail of 2 complementary accesses to the airport lounge with the VISA airport lounge offer.
- Widespread acceptability across 10 million merchants around the globe.
- Higher cash back earnings on spending on this card
- Avail Interest-free funds for up to 48 days
- Use the card for various corporate opportunities like business meetings, conferences, sales meets, association meetings, etc.
- Real-time SMS and email alerts
- Ease of expense management and travel policy adherence for the company. The company can monitor each and every expense incurred by the employee and make sure they adhere to the travel policies and travel expenses.
- Dedicated service manager
- Free card replacement for stolen/damaged/lost cards
- Widespread acceptability across 10 million merchants around the globe.
Kotak Mahindra Bank Corporate Gold Credit Card
Key highlights of Kotak Mahindra Bank Corporate Gold Credit Card
- No joining fees
- Annual fees of Rs. 1,000
- Easy quarterly cash redemption of your points in the next billing cycle.
- Enjoy a fuel surcharge waiver on spends between Rs. 500 to Rs. 3,000. The maximum waiver to be availed is Rs. 3,500
- Avail Interest-free funds for up to 48 days
- Ease of expense management and travel adherence for the company. The company can monitor each and every expense incurred by the employee and make sure they adhere to the travel policies and travel expenses.
- Widespread acceptability across 10 million merchants around the globe.
- Use the card for various corporate opportunities like business meetings, conferences, sales meets, association meetings, etc.
- Real-time SMS and email alerts
- Ease of expense management and travel adherence policy for the company. The company can monitor each and every expense incurred by the employee and make sure they adhere to the travel policies and travel expenses.
- Dedicated service manager
- Free card replacement for stolen/damaged/lost cards
Kotak Mahindra Bank Best Price Credit Card
Best Price Credit Card is a Wal-Mart venture card that is exclusively available to Best Price Modern Wholesale stores only.
- No joining/annual fees
- Exclusively available to Best Price Modern Wholesale Stores only
- 14-day credit cycle that starts fresh at every transaction.
- Two free add-on cards, set the spending limit as you wish
Eligibility criteria for Kotak Mahindra Bank Lifetime Free Credit Cards
Credit Card | Age Limit | Minimum credit limit amount | Residency status | NRI customers | Location |
|---|---|---|---|---|---|
811 #DreamDifferent Credit Card | 18-75 years | Rs. 5,000 | Should be a resident of India | Can apply via offline process | Any |
Non 811#DreamDifferent Credit Card | 18-75 years | Rs. 9,000 | Should be a resident of India | Can apply via offline process | Any |
Kotak Infinite Credit Card* | 21-65 years | - | Should be a resident of India | - | Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, and Pune |
Kotak Corporate Wealth Signature Credit Card | As per the company's discretion | As per the company's discretion | As per the company's discretion | As per the company's discretion | - |
Kotak Corporate Platinum Credit Card | As per the company's discretion | As per the company's discretion | As per the company's discretion | As per the company's discretion | - |
Kotak Corporate Gold Credit Card | As per the company's discretion | As per the company's discretion | As per the company's discretion | As per the company's discretion | - |
Best Price Credit Card | Available exclusively to Best Price Modern Wholesale Stores only | Available exclusively to Best Price Modern Wholesale Stores only | Available exclusively to Best Price Modern Wholesale Stores only | Available exclusively to Best Price Modern Wholesale Stores only | Available exclusively to Best Price Modern Wholesale Stores only |
The Primary cardholder needs to have Kotak Mahindra Private Banking clients
Fees and charges applicable for Kotak Bank Credit Cards
Fee & other Parameters | 811 #DreamDifferent Credit Card | Kotak Infinite Credit Card | Kotak Corporate Wealth Signature Credit Card | Kotak Corporate Platinum Credit Card | Kotak Corporate Gold Credit Card | Best Price Credit Card |
|---|---|---|---|---|---|---|
Joining Fees | NA | Nil | Nil | Nil | Nil | Nil |
Annual Fees | Nil | Nil | Nil | Rs. 999 | Rs. 1,000 | Nil |
Condition for waiver of Annual Fees - First Year | NA | NA | NA | NA | NA | NA |
Condition for waiver of Annual Fees - Second Year | NA | NA | NA | NA | NA | NA |
Addon card Fees | Nil | Nil | Nil | NA | NA | Nil |
Interest Charges on outstanding Balances* | 3.50% (Annualized 42%) | 3.10% (Annualized 37.2%) | 3.10% (Annualized 37.2%) | 3.30% (Annualized 39.6%) | 3.30% (Annualized 39.6%) | 3.40% (Annualized 40.8%) |
Minimum Amount Due (MAD) | 10% | 5% or 10% | 20% | 20% | 20% | NA |
ATM Cash Withdrawal/ Fund Transfer/ Call a draft /Cash Advance per Rs. 10,000 or part thereof | Rs. 300 | Rs. 300 | NA | NA | NA | NA |
Late Payment Charges ("LPC") | Rs. 100 for a statement balance less than or equal to Rs. 500. | Rs. 100 for a statement balance less than or equal to Rs. 500. | Rs. 100 for a statement balance less than or equal to Rs. 500. | Rs. 100 for a statement balance less than or equal to Rs. 500. | Rs. 100 for a statement balance less than or equal to Rs. 500. | NA |
Late Payment Charges ("LPC") | Rs. 500 for a statement balance between Rs. 500.01 to Rs. 10,000. | Rs. 500 for a statement balance between Rs. 500.01 to Rs. 10,000. | Rs. 500 for a statement balance between Rs. 500.01 to Rs. 10,000. | Rs. 500 for a statement balance between Rs. 500.01 to Rs. 10,000. | Rs. 500 for a statement balance between Rs. 500.01 to Rs. 10,000. | NA |
Late Payment Charges ("LPC") | Rs. 700 for statements balance greater than Rs. 10,000 | Rs. 700 for statements balance greater than Rs. 10,000 | Rs. 700 for statements balance greater than Rs. 10,000 | Rs. 700 for statements balance greater than Rs. 10,000 | Rs. 700 for statements balance greater than Rs. 10,000 | NA |
Over Limit Charge | Rs. 500 | Waived | NIL | NIL | NIL | NA |
Cheque Bounce Charges | Rs. 500 | Rs. 500 | Rs. 500 | Rs. 500 | Rs. 500 | Rs. 500 |
Foreign Currency Mark Up | 3.50% | 2% | 3.50% | 3.50% | 3.50% | NA |
Railway Booking Surcharge (1.8%/2.5% on transaction amount)* | Waived | Waived | Waived | Waived | Applicable | NA |
Fuel Surcharge (1% on transaction) | Waived | Waived | Waived | Waived | Waived | NA |
Fee for Cash payment at Bank | Rs. 100 | Waived | Rs. 100 | Rs. 100 | Rs. 100 | Rs. 100 |
Outstation Cheque Processing Fee | Waived | Waived | Waived | Waived | Waived | Waived |
Reissue/ Replacement Card (per issuance) | 100 | Waived | Waived | Waived | Waived | Waived |
Charge Slip Request | Waived | Waived | Waived | Waived | Waived | Waived |
Machine Surcharge at ATMs | Waived | Waived | Waived | Waived | Waived | NA |
Balance Enquiry Charges at Non-Parent Bank ATM | Waived | Waived | Waived | Waived | Waived | NA |
Duplicate Statement Request | Waived | Waived | Waived | Waived | Waived | Waived |
Web Pay Service Fee | Waived | Waived | Waived | Waived | Waived | NA |
The application process for Kotak Mahindra Bank Credit Cards –
Application for Kotak Mahindra Bank Credit Cards via the company website–
- Go to Kotak Mahindra Bank’s official website
- Go to the Credit cards section
- Select the credit card you like and click on “Apply Now”
- Click on “New Customer” if you are not an existing customer. Else, click on “Existing Customer”
- Click on “Proceed”
- Update the rest of the form and you should get a call from the bank for the rest of the process.
FAQs of Kotak Mahindra Bank Lifetime Credit Cards:
1. What is the minimum limit of a Kotak Mahindra bank credit card?
The credit range starts from Rs. 8,000 and Rs. 12,00,000
2. What are the age eligibility criteria for Kotak Mahindra bank credit cards?
Anybody in the age bracket of 18-65 years can apply.
3. Do credit card lenders check your salary?
Yes, lenders check the salary before approving a credit card.
4. How do I redeem my Kotak Mahindra Bank credit card rewards?
You can redeem the reward points as cashback in the next billing cycle. Reward points can also be redeemed during shopping.
