Kotak Mahindra Bank has established itself as a reliable player in India’s credit card market, offering a wide range of options for various customer needs. From cashback and shopping benefits to premium lifestyle privileges, these cards are packed with features that align with modern spending habits. If you’re looking to make the most of your purchases—especially on platforms like Flipkart and Amazon—this guide will help you choose the right Kotak Mahindra credit card.
1. Kotak White Credit Card
- Ideal for: Premium lifestyle users
- White Pass benefits on achieving spend milestones
- Complimentary airport lounge access
- Foreign currency mark-up fee of just 2%
- Annual benefits worth over ₹7,500 on regular usage
- Welcome benefit of ₹1,500 on first swipe
- Annual Fee: ₹3,000
2. Kotak Mojo Platinum Credit Card
- Ideal for: Online shoppers and cashback seekers
- 2.5% cashback (Mojo Points) on online purchases
- 1% cashback on other eligible spends
- Bonus rewards available on Flipkart and Amazon purchases during festive seasons.
- Fuel surcharge waiver and EMI conversion options
- Annual Fee: ₹1,000
3. Kotak Zen Signature Credit Card
- Ideal for: High spenders and frequent travelers
- Get 15 Zen Points for every ₹150 spent on online or international transactions.
- Free domestic lounge access
- Wellness benefits and insurance coverage
- Suitable for frequent Amazon and Flipkart users during sales
- Annual Fee: ₹1,500
4. Kotak Royale Signature Credit Card
- Ideal for: Luxury spenders and business professionals
- Enjoy quadruple rewards when you spend on meals, travel bookings, and international purchases.
- Redeem rewards for flight bookings, gift vouchers, and more
- Complimentary airport lounge access
- Comes with coverage for air accident incidents and unauthorized transactions on lost cards.
- Annual Fee: ₹999
5. Kotak League Platinum Credit Card
- Ideal for: Lifestyle and milestone spenders
- Milestone rewards worth up to ₹75,000 annually
- 8x reward points on spends above ₹1,50,000
- Railway and airline accident insurance
- Lounge access at select domestic airports
- Annual Fee: ₹499
Also read: Struggling with Your Credit Score? These 10 Tips Can Fix It Fast!
6. Kotak Essentia Platinum Credit Card
- Ideal for: Grocery and department store shopping
- Get rewarded with 10 points on every ₹100 spent on daily essentials and supermarket purchases.
- Reward redemption for merchandise, vouchers, and more
- Annual saving potential of over ₹4,000 on regular household spends
- Fuel surcharge waiver
- Annual Fee: ₹749
7. Kotak Delight Platinum Credit Card
- Ideal for: Entertainment and dining lovers
- 10% cashback on dining and movie spends (monthly cap applicable)
- Spend-based cashback of ₹750 on reaching milestones
- Fuel surcharge waiver and flexible EMI facility
- Pay ₹999 annually, but no fee if yearly spending crosses ₹1 lakh.
8. Kotak PVR Gold Credit Card
- Ideal for: Movie Lovers
- 1 to 2 free PVR movie tickets per month based on monthly spend
- Rewards on all other transactions
- Exclusive PVR benefits on reaching ₹10,000 or ₹15,000 in spends
- Accepted across India for retail and online shopping
- Annual Fee: ₹499
9. Kotak Urbane Gold Credit Card
- Ideal for: Entry-level users and young professionals
- Earn 3x reward points on online shopping
- Get 4 free PVR tickets or ₹750 cashback on spending ₹1,00,000 annually
- Fuel surcharge waiver available
- Simple redemption and no complex eligibility
- Annual Fee: ₹199 (waived on spends above ₹15,000 annually)
10. Kotak Fortune Gold Credit Card
- Ideal for: Self-employed individuals and business users
- Lifetime free card
- Cash withdrawal up to 90% of credit limit
- Fuel and railway surcharge waiver
- Zero annual charges with basic documentation requirements
- Annual Fee: Nil
Best Kotak Cards for Flipkart and Amazon Shoppers
Among all the options listed, Kotak Mojo Platinum and Kotak Zen Signature stand out for online shoppers. These cards consistently offer cashback or reward points on digital purchases and have bonus deals during e-commerce sales like Flipkart’s Big Billion Days and Amazon’s Great Indian Festival. Pro Tip: Link your Kotak card to your Flipkart or Amazon account to avail exclusive instant discounts, No Cost EMI, and exchange offers during major sale events.
Kotak Mahindra’s credit card portfolio is well-rounded and caters to a variety of user needs—from casual spenders and online shoppers to frequent travelers and luxury seekers. By choosing the right card based on your lifestyle and spending patterns, you can maximize your savings through rewards, cashback, milestone benefits, and exclusive partnerships with platforms like Amazon and Flipkart. Before applying, consider checking your eligibility and reading the fine print regarding annual fees, interest rates, and reward redemption terms.
Written by Pydimarri Hema Harshini
