Money

Best Kotak Mahindra Credit Cards Review


Kotak Mahindra is one of the leading banks in India and it offers numerous financial services for its esteemed customers. It is one of the most reliable Global Indian Financial Services Bank in India and it ensures committed customer services. It offers a wide range of credit cards and they have been categorized as per the requirement of the customer. Some offer travel benefits while some have rewards for shopping. You can compare the cards and choose the most appropriate one as per your need.

Best Credit Cards from Kotak Mahindra

Let’s start with Essential Platinum.

Essentia Platinum Credit Card Review

Essentia is basically a card for meeting all your utility expenses and provides you benefits in terms of points. The more you purchase the more points you gain. All residents of India between the ages of 18-61 are eligible for this card and add on card facility is also available but the person must be 18 years or above.

Rewards

For department and grocery spends you make 10 saving point for every Rs 100 spent. Maximum saving points for a month is 500 and it can be later redeemed for further purchases.

For other categories of purchase you make 1 point for every 250 spent.

You can also avail add on cards that provide you the benefit of availing cards for your near and dear ones too.

If you have any enquiry you can take the help of KASSIST by sending an SMS to KASSIST to 5676788.

Fees

Joining Fee 1499 Rupees
Annual Fee 749 Rupees
Interest Charge 3.40%
Add on Card 299 Rupees
Foreign Currency Mark Up 3.5%
Card Replacement 100 Rupees

Review

Essentia Platinum Credit Card offers numerous rewards for the spending done and it can be later redeemed for further purchases. But the card does not offer much rewards in terms of travel benefits or shopping vouchers. The fees also feels a little high considering the rewards offered. Another card would be the Easyday Titanium Card which also offers benefits for departmental purchases. It has an annual charge of 499 and comes with numerous vouchers of Easyday on using this card.

PVR Kotak Credit Card Review

PVR Credit Card has a tie up with PVR movies and gives you the privilege of watching movies every month. This card also comes with an insurance cover and allows you to avail additional card for your family too.

Rewards

As a joining benefit you can get 1 PVR ticket every month for spent of 750 and above at PVR Movies.

Also read >  RBL Bank Titanium Delight Credit Card Review

Avail a movie ticket from PVR for every 7500 spent on purchases.

You can two movie tickets for every purchases of Rs. 15,000/- and above in a billing cycle.

You can also get insurance cover of up to 50000 if your card is stolen or lost.

Fees

Joining Fee Nil
Annual Fee 499 Rupees
Interest Charge 3.40%
Add on Card 299 Rupees
Foreign Currency Mark Up 3.5%
Card Replacement 100 Rupees

Review

The PVR Credit Card is apt for movie goers and also comes with shopping benefits. A regular shopper can use this card and earn points on purchases made. It is easily available and can be bought from any branch in India. It is priced reasonably with no joining fee and an annual fee of 499.It also comes with an insurance cover that gives you the security in case the card goes missing. If you wish to opt for another card from Kotak is the Royale Signature Card that gives you access to airport lounges,Fuel Surcharge waiver and many more benefits. You can earn points for purchases made and they can later be redeemed for cash.

Kotak Mahindra NRI Royal Signature Card Review

The NRI Royal Signature is a special card which is available to all NRI/NRO account holders with a term deposit of 1 lakh. Users should be between the ages of 18-75 years and should be an NRI with an Indian address. You can also avail add on cards but the users must be 18 years and above.

Fees

Joining Fee Nil
Annual Fee 1000 Rupees
Interest Charge 3.10%
Add on Card 599 Rupees
Foreign Currency Mark Up 3.5%
Card Replacement 100 Rupees

Rewards

By using this card you can earn 2x reward points for every 200 spent outside India and 1 point for every Rs200 spent within India.

Earn points as you make purchases and later redeem them for Movie tickets, Air tickets, Air miles, cash and more.

You can also avail fuel surcharge waiver for transactions between 500-3000.But the maximum fuel surcharge waiver is 3500.

You can also benefit 1.8% railway surcharge waiver on booking from onwww.irctc.co.in.

Review

The NRI Royal Signature is designed exclusively for NRI’s and has special benefits enlisted for them. They can easily avail it abut it requires a term deposit as well as a NRI/NRO account. There is no joining fee and it comes with a nominal annual fee of 1000.But if you feel the term deposit is pretty high then you can also opt for the Royal Signature card that comes withaccess to airport lounges, Fuel Surcharge waiver and many more benefits. You can earn points for purchases made and they can later be redeemed for cash.

Also read >  Kotak Bank PVR Platinum Credit Card for Movie Lovers

Kotak Mahindra Fortune Visa Gold Card

The Kotak Mahindra Fortune Gold Card is targeted only for business professionals and with individuals who earn above 3 lakhs annually. It is available for individuals between the ages of 21 and 65 and has numerous benefits too. You can earn points on your purchases and redeem them for movie tickets or even cash.

Fees

Joining Fee Nil
Annual Fee 1000 Rupees
Interest Charge 3.40%
Add on Card 599 Rupees
Foreign Currency Mark Up 3.5%
Card Replacement 100 Rupees

Benefits

Easy access of cash from any VISA ATM and even fund transfer from any branch.

Avail fuel surcharge waiver between Rs. 500- and Rs. 3000 with a maximum of Rs 3000 annually.

You can also get cash advance up to 50% of your credit limit.

On spending 150000 in a year you can win 4 PVR tickets or a cash advance of Rs 750.

Review

Kotak Mahindra Fortune Gold Card has numerous privileges and allows to access money as and when required. You can make purchases with this card and later redeem the points for movie tickets or even cash. This card is targeted for business professionals but if you wish to opt for another card then you could try Corporate Platinum Card that comes with more privileges like airport lounges, railway surcharge waiver and more. It is also an international credit card and allows you to make purchases from over 10 million merchants across the globe.

Corporate Signature Wealth Credit Card Review

Corporate Signature Wealth Credit Card is for professionals who don’t wish to carry cash and carry forward their expenses which would be later met by the company. You can earn points on your expenses and avail fuel surcharge waiver as well as railway. This card is universally accepted and even access to airport lounges on your travels.

Fees

Joining Fee Nil
Annual Fee Nil
Interest Charge 3.10%
Add on Card 599 Rupees
Foreign Currency Mark Up 3.5%
Card Replacement 100 Rupees

Benefits

Avail the privileges on domestic airport lounges with this card.

Get up to interest free credit up to 48 days.

Also get up to 2.5% fuel surcharge waiver for transactions of Rs. 500/- to Rs. 3000/-You can also get 1.8% or 2.5% railway surcharge waiver by booking at irtca.

The card is universally accepted and can be used for meeting business expenses like Sales Meets, Association Meetings, Conferences, and Business & Executive Meetings.

Get access to the services of Dedicated Manager who helps you get information on card details, card limits and lost/stolen cards.

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Review

The Corporate Signature Wealth Credit Card is a genuinely card with numerous additional benefits. You can be assured of gaining points as you make purchases and they can be later be redeemed. International acceptance gives you the privilege to shop at outlets outside India. There is no joining fee and you can also take the benefit of interest free credit up to 48 days. But if you are looking for a card that is meant to meet day to day expenses you could try the Essentia Platinum Credit Card that focuses on utility expenses. You can also make use of the add on card facility and get access to cards for near and dear ones.


Hi, Mani Karthik here. Having lived in USA, India & Middle East, and worked for big MNC’s to startups, I have a lot to share with you. My aim is to help people, by sharing everything I’ve learned in life, through this blog. It’s read today by more than 150K people world over! I currently live in LA, California and visit India occasionally. Here’s my full story on who I am and why I blog. Connect with me on FBInstagram, Twitter or WhatsApp (+001-408-489-4785). Happy to help! 🙂

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