Kotak League Platinum Credit Card

Name: Kotak League Platinum Credit Card
Brand: Kotak Mahindra Bank
Availability: InStock

Updated 3 Jul 2026Source-linked

The Kotak League Platinum Credit Card is a mid credit card from Kotak Mahindra Bank, with a joining fee of ₹0 + GST.

It earns up to 8 pts per ₹150 (≈0.5% value) on high annual spend spends in the form of reward points (points).

Cardholders get 2 quarterly domestic airport lounge access, plus 5,000 reward points (worth ₹500) as a welcome benefit.

Kotak League Platinum Credit Card

Joining FeeFree
Annual FeeFree
Best Suited ForEveryday spends
Reward TypeReward Points (points)

Rewards Rate

8 pts per ₹150 on high annual spend
Base 0.27% on other spends

Welcome Benefits

5,000 reward points (worth ₹500)

Data verified 3 Jul 2026 — see our methodology

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Rewards and Benefits

Rewards Rate

8 pts per ₹150 on high annual spend

Base 0.27% on other spends.

Reward Redemption

Kotak Rewards: Redeem at ₹0.1 per unit.

Welcome Benefits

5,000 reward points (worth ₹500)

Milestone Rewards

N/A

Domestic Lounge Access

2 visits each quarterly.

International Lounge Access

N/A

Travel

N/A

Movie & Dining

N/A

Golf

N/A

Insurance Benefits

N/A

Other Benefits

N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

Online shoppingGroceriesDining & food deliveryFuelTravel & hotelsUtilities & billsRentInternational / forex

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

Online shopping₹15,000 · 0.3% = ₹40/mo
Groceries₹8,000 · 0.3% = ₹21/mo
Dining & food delivery₹8,000 · 0.3% = ₹21/mo
Fuel₹4,000 · 0.0% = ₹0/mo
Travel & hotels₹10,000 · 0.3% = ₹27/mo
Utilities & bills₹5,000 · 0.3% = ₹13/mo

Est.net rewards for this spend, realistic

₹1,472/yr

₹1,472 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver

₹1,50,000 in the preceding year

Rewards Redemption Fee

N/A

Foreign Currency Markup

3.50%

Interest Rates

3.50% per month (42.0% annualised)

Fuel Surcharge Waiver

1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.

Cash Advance Charges

2.5% or ₹300 (whichever is higher)

Product Details

mid card issued by Kotak Mahindra Bank.
Lifetime free — no joining or annual fee.
Available on the Visa network.
Complimentary airport lounge access: domestic (2/quarterly).

Pros & Cons

Pros

Lifetime-free — no joining or annual fee.
Annual fee waivable on ₹1,50,000 spend.
Complimentary domestic airport lounge access (2/quarterly).

Cons

Standard forex markup of 3.50% — suboptimal for international spend.
No rewards on fuel spends.

₹500 welcome benefit

5,000 reward points (worth ₹500)
Joining fee paid
Window: 90 days from issuance.

Accelerated rewards

8 pts per ₹150 on high annual spend
8 RP per ₹150 on all eligible spends once annual spends reach ₹2,00,000+ in a card anniversary year (else base 4 RP per ₹150).

Capping rules

Reward points on utility/telecom (MCC 4812, 4814, 4899, 4900) only up to ₹35,000 per statement cycle.
Utility/telecom & fuel spends do not count toward milestone/annual-spend calculation.

Exclusions

The following spend categories earn no rewards on this card:

fuel
wallet loads
rent
insurance premiums
emi

Airport lounge access

Domestic

2 visit(s) / quarterly. Via visa.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.

Sources

: www.kotak.bank.in · retrieved 3 Jul 2026

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age: 21–65
Credit score: 720+
Income (salaried): ₹3,00,000 p.a.
Income (self-employed): ₹3,00,000 p.a.

Tagsmid tier points lounge