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.

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Kotak Mahindra Bank Lifetime Free Credit Cards