Kotak Mahindra Bank
Infinite Credit Card
SimplifyCards take:A good fit if you want a card built for travel, lounge, and golf
✓
Best for airport lounge accessBest for
16 complimentary lounge visits a year across domestic and international
!
Avoid if you spend big on fuel, rent, and insuranceWatch out
These categories are excluded and won't earn rewards
✦
Good fit if you want a card built for travel, lounge, and golfBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards
Estimate your Kotak Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Kotak Reward Points rates
| Category | Rate |
|---|---|
| All Retail Spends | 1 Reward Point / ₹250 spent |
Redemption
Statement balanceupto ₹ 0.7 per point
Vouchersupto ₹ 1 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Brand e-vouchers via Kotak Rewards | 1 point = ₹1.0 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 point = ₹1.0 |
Important conditions
1
Domestic lounge16 visits per year
- 16 complimentary domestic lounge visits per year (max 4 per quarter)
2
Milestone800 Reward Points (worth ₹800) credited free every month
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
Exclusions
Spending that does not earn kotak reward points
- 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
Compare before you decide
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