Kotak Infinite Credit Card
Updated 3 Jul 2026Source-linked
The Kotak Infinite Credit Card is a invite only credit card from Kotak Mahindra Bank, with a joining fee of ₹0 + GST.
Cardholders get 4 quarterly domestic airport lounge access.
Kotak Infinite Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 0.30%
Welcome Benefits
- Not applicable
Kotakinfiniteinvite onlyLifetime freeRewards and Benefits
Rewards Rate
Base 0.30% on other spends.
Reward Redemption
Kotak Rewards: Redeem at ₹0.1 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹0 / monthly: 800 reward points (worth ₹800) free every month (interim, in lieu of 2 free PVR tickets)
Domestic Lounge Access
4 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
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 ₹4,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- invite only card issued by Kotak Mahindra Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/quarterly).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Complimentary domestic airport lounge access (4/quarterly).
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- Invite-only — limited availability.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹0 / monthly: 800 reward points (worth ₹800) free every month (interim, in lieu of 2 free PVR tickets) (≈ ₹800 value)
Airport lounge access
Domestic
4 visit(s) / quarterly. Via visa, dreamfolks.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, 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
- 21–70
- Credit score
- 780+
- Income (salaried)
- —
- Income (self-employed)
- —
Invite-only to Kotak Wealth Management / Privy League banking customers.