Kotak Mahindra Bank offers credit cards across cashback, rewards, shopping, travel and lifestyle categories.
21 Active Cards
₹0 (LTF) – ₹12,500
Visa • RuPay
2 Lifetime Free
Explore 21 active cards and filter them by how you spend.
Daily city commuters, two-wheeler owners, and budget-conscious car drivers spending ₹3,000 to ₹7,500 monthly on fuel who want low annual fees and easy waivers.
Last verified 17 Sept 2026
rupay
Frequent domestic flyers, business travelers, and vacationers who routinely fly on IndiGo.
Last verified 2 Oct 2026
mastercard
Frequent domestic flyers, business travelers, and family vacationers loyal to IndiGo seeking automatic flight vouchers, priority airport services, and quarterly lounge access.
Last verified 17 Sept 2026
visa
First-time cardholders, students, freelancers, and individuals with no credit history seeking to establish or repair their CIBIL score with guaranteed issuance.
Last verified 3 Oct 2026
visa
Students, first-time credit card applicants, homemakers, freelancers, and individuals repairing low credit scores who want a zero-fee card backed by FD interest.
Last verified 17 Sept 2026
rupay
First-time cardholders, Kotak811 mobile banking users, credit builders, and everyday UPI micro-transactors.
Last verified 2 Oct 2026
rupay
Frequent domestic and international business flyers, corporate travel bookers, and frequent flyer loyalists aiming to maximize airline ticket savings.
Last verified 3 Oct 2026
visaKotak Air+ Prime Credit Card
High-frequency domestic and international business flyers seeking unlimited airport lounge comfort, accelerated flight miles, and luxury golf access.
Last verified 3 Oct 2026
visaKotak Biz Credit Card
Merchants, traders, small business owners, and wholesale procurement managers looking to separate business expenses with extended credit terms.
Last verified 3 Oct 2026
visa
Everyday consumers and online shoppers wanting no-nonsense statement credit cashback without points tracking.
Last verified 2 Oct 2026
visaKotak Corporate Platinum Credit Card
Enterprise employee travel, client entertainment, and procurement
Last verified 3 Oct 2026
visaKotak Corporate Wealth Signature Credit Card
C-suite executives, senior corporate partners, and international business travel
Last verified 3 Oct 2026
visa
Moviegoers, Department Store Shoppers, UPI Spenders & Budget Cardholders
Last verified 2 Oct 2026
rupay
Kotak customers seeking an effortless digital card for QR code UPI shopping, groceries, and dining.
Last verified 2 Oct 2026
rupayKotak NRI Royale Signature Credit Card
NRIs spending in India, local family support, and international travel
Last verified 3 Oct 2026
visaKotak Solitaire Business Credit Card
Women business owners, boutique proprietors, and independent SME executives seeking targeted business rewards, airport lounges, and working capital.
Last verified 3 Oct 2026
visa
Women professionals and avid shoppers looking for accelerated rewards on fashion, jewelry, and groceries, combined with domestic lounge visits and movie milestones.
Last verified 17 Sept 2026
visa
High-Volume Spenders, Luxury Brand Shoppers & Domestic/International Travelers
Last verified 2 Oct 2026
visa
High-net-worth individuals, luxury boutique shoppers, and affluent frequent flyers seeking bespoke lifestyle redemption currency and unlimited transit comfort.
Last verified 17 Sept 2026
visa
Fashion & Apparel Shoppers, Jewelry Buyers, Lifestyle Spenders & Domestic Travelers
Last verified 2 Oct 2026
visa
Avid cinema lovers, weekend moviegoers, and film buffs who regularly watch movies at PVR and INOX multiplexes across India.
Last verified 17 Sept 2026
visaBenchmark Kotak Mahindra Bank flagship credit cards against top alternatives in the same spending tier.
| Bank & Flagship Card | Key Specialization | Annual Fee | Top Highlight / Perk | Action |
|---|---|---|---|---|
HDFC BankHDFC Bank Millennia Credit Card | Cashback | ₹1,000 | 5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber) | Explore |
SBI CardCashback SBI Card | Cashback | ₹999 | Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in | Explore |
ICICI BankAmazon Pay ICICI Bank Credit Card | Cashback | Free (LTF) | Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges | Explore |
Axis BankAirtel Axis Bank Credit Card | Cashback | ₹500 | 25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App | Explore |
IDFC FIRST BankIDFC FIRST Select Credit Card | Travel | Free (LTF) | 100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever | Explore |
American ExpressAmerican Express Platinum Travel Credit Card | Travel | ₹5,000 | Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend | Explore |
Answer 3 quick questions about your monthly spending and our recommendation engine will calculate your net annual reward savings.
Issuer history, core reward architecture, and market position
Distinctive advantages of holding cards from Kotak Mahindra Bank
Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.
Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.
Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).
24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.
Essential requirements before initiating your digital application
Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.
Explore credit card collections from India's leading banking partners.
