Best Kotak Mahindra Bank Credit Cards 2026

Key Advantages

• ✓ 2 Reward Points per ₹100 on online spends (redemption value cut from ₹0.25 to ₹0.10/point, effective Jun 2025)
• ✓ 1% fuel surcharge waiver, capped at ₹3,500/year
• ✓ Fully digital card issuance, no branch visit needed
• ✓ Fee waiver threshold (Lifetime free digital card)

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)

Key Advantages

• ✓ Lifetime free virtual RuPay card that works on UPI
• ✓ Earns reward points on UPI payments, which many cards exclude
• ✓ Reward points redeemable across the Kotak Rewards catalogue

Key Advantages

• ✓ Free ₹300 movie ticket for every ₹10,000 spent in a month, uncapped
• ✓ 5% savings on PVR movie tickets
• ✓ 20% savings on food & beverages at PVR cinemas
• ✓ Fee waiver threshold (Includes free PVR/INOX movie ticket vouchers every month)

Key Advantages

• ✓ Up to 5% total value-back on IndianOil fuel (4% rewards + 1% surcharge waiver)
• ✓ 2% value-back on grocery and dining spends
• ✓ Personal accident insurance cover up to ₹2 Lakh
• ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Key Advantages

• ✓ 1,000 Air Miles welcome bonus, plus 1,000 more on each renewal
• ✓ 3 Air Miles per ₹100 on flights & hotels via Kotak Unbox
• ✓ 4 domestic lounge visits/year on ₹60,000 quarterly spend
• ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Key Advantages

• ✓ 6% BluChips on IndiGo bookings (rebranded from 6E Rewards)
• ✓ 3% BluChips on dining, movies & groceries
• ✓ 8 domestic lounge visits/year (2 per quarter)
• ✓ Fee waiver threshold (Includes 6E Rewards IndiGo ticket voucher)

Key Advantages

• ✓ 5% cashback on food delivery, entertainment & groceries
• ✓ 3% cashback on fuel spends
• ✓ Unlimited 0.5% cashback on all other eligible purchases
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ Up to 21 BluChips per ₹100 spent on IndiGo bookings
• ✓ Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones
• ✓ Up to 8 domestic lounge visits a year with achievable quarterly targets

Key Advantages

• ✓ Fee waived on a low ₹50,000 annual spend threshold
• ✓ 8X Reward Points per ₹150 on special categories (airlines, travel, electronics, departmental stores)
• ✓ Milestone offer: 4 free PVR movie tickets or 10,000 Reward Points every 6 months on ₹1.25 Lakh spends
• ✓ 1% fuel surcharge waiver and railway booking surcharge waiver
• ✓ Zero lost card liability protection up to ₹1,25,000

Key Advantages

• ✓ 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
• ✓ Zero forex markup on international transactions
• ✓ Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
• ✓ Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays