Infinite Credit Card
Rs 0Annual fee
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic lounge visits per year (max 4 per quarter).
2%Forex markup
Best for
Travel, Lounge, Golf, Concierge, Wealth
Top rewards
All Retail Spends: 1 Reward Point / ₹250 spent
Reserve Credit Card
Rs 50,000Annual fee
Rs 35,00,000Fee waiver spend
UnlimitedDomestic lounge
1.5%Forex markup
Best for
Ultra Premium, Travel, Hotels, Golf, Lounge
Top rewards
Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends
| Feature | Infinite Credit Card | Reserve Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 50,000 |
| Annual fee | Rs 0 | Rs 50,000 |
| Fee waiver spend | - | Rs 35,00,000 |
| Reward type | Kotak Reward Points | EDGE Reward Points |
| Best for | Travel, Lounge, Golf, Concierge, Wealth | Ultra Premium, Travel, Hotels, Golf, Lounge |
| Top reward categories | All Retail Spends: 1 Reward Point / ₹250 spent | Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | Unlimited |
| International lounge | 0 | Unlimited |
| Forex markup | 2% | 1.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.7 per point | Air miles: upto ₹ 0.4 per point; Statement credit: upto ₹ 0.2 per point |
| Key exclusions | E-wallet loading transactions, Fuel spends, Rent payments, Insurance spends, Utility spends, Education spends | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Purchase of gold or jewellery, Educational institution payments via third-party apps |