Commercial Business Card with 4 Points on Vendor Procurement & 52-Day Credit
Merchants, traders, small business owners, and wholesale procurement managers looking to separate business expenses with extended credit terms.
₹499
One-time upfront₹499
Waived on ₹50,000 annual spend4 RP per Rs 100 on business utilities/electronics, 1 RP on other business retail
On eligible spends8 Domestic visits/year · ₹75k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kotak Biz Credit Card is tailored explicitly for small business enterprises, shopkeepers, and commercial traders who need disciplined cash flow management and operational reward accrual. Priced at an economical ₹499 plus GST, it minimizes overheads while offering up to 52 days of interest-free credit. The card's reward structure prioritizes commercial supplies: cardholders earn 4 reward points per ₹100 spent on business procurement, wholesale supplies, commercial hardware, and vendor utility bills (equivalent to a 1.00% return, where 4 points = ₹1). All other retail spending earns 2 reward points per ₹100. Accumulated points can be redeemed against statement credit or business vouchers via Kotak Rewards. Cardholders also enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across petrol pumps nationwide (up to ₹3,500 annually) and consolidated monthly expense statements that simplify company GST accounting and tax filings. The annual fee is completely waived upon achieving annual business spending of ₹50,000. For small business operators seeking a low-cost, dedicated commercial payment card, Kotak Biz provides straightforward utility.
2 complimentary domestic airport lounge visits per calendar quarter under Set B, subject to ₹75,000 spend in preceding calendar quarter.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Business Utilities, Telecom & Office Electronics | 4 Reward Points per Rs 100 spent on business utilities, telecom, and office electronics (0.8% return) | No Cap | Standard terms apply |
| All Other Business Retail Spends | 1 Reward Point per Rs 100 spent on general commercial transactions (0.2% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Business Utilities, Telecom & Office Electronics | ₹12,000 | 4 Reward Points per Rs 100 spent on business utilities, telecom, and office electronics (0.8% return) | — | None | Calculating... | Under cap |
| All Other Business Retail Spends | ₹18,000 | 1 Reward Point per Rs 100 spent on general commercial transactions (0.2% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend Rs 50,000 in anniversary year to waive the Rs 499 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + GST; Annual Renewal Fee: ₹499 + GST. • Annual Fee Waiver: Spend ₹50,000 or more in an anniversary year to waive the ₹499 renewal fee. • Working Capital Support: Up to 52 days of interest-free credit on business procurement transactions. • Commercial Rewards: 4 reward points per ₹100 on vendor supplies, inventory procurement, and commercial utilities. • General Rewards: 2 reward points per ₹100 on all other non-procurement retail transactions. • Point Valuation: 4 Reward Points = ₹1. Redeemable for statement credit or business vouchers. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver of ₹3,500 annually).
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Kotak Biz Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Kotak Mahindra Bank portal with paperless verification.
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Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
The Amazon Pay Kotak Business Credit Card earns Prime members 5% on eligible Amazon Business purchases and flights, 2% on bills through Amazon Pay, and 1% elsewhere. The Rs 499 annual fee is waivable on Rs 3 lakh of Off-Amazon spend. For personal Amazon shopping, the Amazon Pay ICICI card remains the cleaner choice. For genuine business procurement, the Kotak card makes a compelling case.
