Corporate Platinum Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
Reward points on all business and travel spends, with fuel and railway surcharge waivers
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
—
FindMyCard Expert Take
The Corporate Platinum Credit Card from Kotak Bank offers Corporate Travel & Expense Management with an annual fee of ₹0 + Taxes.
Pros & Cons
Key Advantages
- Fuel surcharge waiver on corporate fuel spends
- Railway surcharge waiver included
- Airport lounge access for corporate travel
- Fee waiver threshold (Corporate card with zero annual fee)
Limitations
- Requires an employer-linked corporate account relationship with Kotak
- Fewer consumer lifestyle perks than Kotak's retail premium cards
- Best suited for expense management rather than personal rewards maximization
Editorial Verdict
The Corporate Platinum Credit Card is ideally suited for corporate travel & expense management. If you want reward points on all business and travel spends, with fuel and railway surcharge waivers, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on rewards purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Corporate card with zero annual fee
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Corporate card with zero annual fee
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare Corporate Platinum Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Corporate Platinum Credit Card This Card | Free | Reward points on all business and travel spends, with fuel and... | — | 4.1/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |