SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, lounge, and golf.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards.
Where value may drop
Fuel, rent, and insurance don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many Kotak Reward Points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Kotak Reward Points/yr |
|---|---|---|
| Other spends | Rs 8,000 | 384 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for airport lounge access
16 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns Kotak Reward Points you can put toward flights, hotels, or transfer partners.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| All retail spends | 1 Reward Point / ₹250 spent |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Brand e-vouchers via Kotak Rewards | 1 point = Rs 1.0 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 point = Rs 1.0 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 16 complimentary domestic lounge visits per year (max 4 per quarter).
Exclusions
Categories that earn no rewards on this card.
- E-wallet loading transactions
- Fuel spends
- Rent payments
- Insurance spends
- Utility spends
- Education spends
- Government spends
- Online skill-based gaming transactions
- EMI transactions
- Cash advance / withdrawals
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Personalized card design featuring a handcrafted illustration of the cardholder
- 2 complimentary rounds of golf per month, plus 2 complimentary guest rounds per quarter
- Premium concierge assistance (hotel/dining bookings, travel ticketing, event planning)
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (max ₹4,500 per calendar year)
Additional details
- Reward Points can be redeemed for brand e-vouchers or travel bookings via the Kotak Rewards portal at a rate of 1 Reward Point = ₹1.0.
- Reward Points can also be redeemed as statement credit (cashback) at a rate of 1 Reward Point = ₹0.70.
- A minimum of 2,000 Reward Points is required for statement credit (cashback) redemptions, and a minimum of 300 Reward Points is required for vouchers.
Eligibility
Check this before you apply.
Salaried
- Exclusively for Kotak Wealth Management Banking Relationship clients
- Age: 21 to 65 years
Self-employed
- Exclusively for Kotak Wealth Management Banking Relationship clients
- Age: 21 to 65 years
Compare before you decide
Alternatives based on what you might want instead.
White Reserve Credit Card
Best for premium, travel, lounge.
Kotak Solitaire Credit Card
Best for luxury, travel, lounge.
Axis Bank Reserve Credit Card
Best for ultra premium, travel, hotels.