Kotak Mahindra Bank Credit Cards 2026
Private bank offering entry, co-branded and premium cards, plus the FD-backed 811 card. Compare 9 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 30 September 2026Kotak Mahindra Bank credit cards
Best Kotak Mahindra Bank card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Cashback | Kotak Cashback+ | ₹750 | Online food/grocery and OTT spenders |
| Rewards | Kotak Air+ | ₹3,000 | Travellers booking through Kotak Unbox |
| Travel | Kotak Solitaire | ₹25,000 | Affluent Kotak Solitaire customers who travel abroad (zero forex) |
| Lounge access | Kotak Solitaire | ₹25,000 | Affluent Kotak Solitaire customers who travel abroad (zero forex) |
| Fuel | IndianOil Kotak | ₹449 | IndianOil fuel spenders |
| Shopping | Kotak Zen Signature | ₹1,500 | Lifestyle and apparel shoppers |
| Lifetime free | Kotak 811 Dream Different | Free | Credit-building for new-to-credit users |
| Premium | Kotak Solitaire | ₹25,000 | Affluent Kotak Solitaire customers who travel abroad (zero forex) |
| Secured (FD) | Kotak NRI Royale Signature | ₹1,000 | NRIs wanting an INR card backed by NRE/NRO FD |
Compare all Kotak Mahindra Bank cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| Kotak Solitaire | Free / ₹25,000 | 3.00% base value | Unlimited domestic lounge visits + 2 guest visits/year; international… | 0.00% | -₹20,500 |
| Kotak Air+ | Free / ₹3,000 | 2.00% base value | 4 domestic (max 2/quarter) + 2 international lounge visits/year | 2.00% | ₹2,460 |
| Kotak Zen Signature | ₹1,500 / ₹1,500 | 0.67% base value | 2 domestic lounge visits/quarter on Rs 75,000 quarterly spend; 3 inte… | — | ₹2,010 |
| IndianOil Kotak | ₹449 / ₹449 | 0.50% base value | Unlimited lounge access listed as limited-time offer (paisabazaar) - … | — | ₹1,500 |
| Kotak Cashback+ | ₹750 / ₹750 | 0.50% base value | — | — | ₹615 |
| Kotak NRI Royale Signature | Free / ₹1,000 | 0.50% base value | 2 complimentary domestic lounge visits per quarter | — | ₹320 |
| Kotak 811 Dream Different | Free / Free | See card page | — | — | — |
| Kotak League Platinum | Free / Free | See card page | — | — | — |
| Kotak White Reserve | ₹12,500 / ₹12,500 | See card page | Unlimited lounge access at 1,000+ airports (Priority Pass + domestic)… | 2.00% | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Credit card customer care | 1860 266 2666 |
| Kotak 811 credit card | 1860 266 0811 |
| Bank toll-free (banking needs & complaints) | 1800 4100 |
| From abroad (other countries) | +91 22 6600 6022 |
| USA toll-free | 1855 365 6767 |
Bill payment
- Kotak Net Banking / Mobile Banking (credit within 24 hours)
- NEFT/IMPS from other banks: IFSC KKBK0000958, Kotak Bank Main Branch Mumbai, account no. = 16-digit card number (IMPS instant; NEFT 30 min-3 working days)
- WebPay via other-bank netbanking, UPI or RuPay debit card (up to 3 working days)
- Visa Money Transfer from Visa debit card (2-3 working days)
- Cheque at branch/ATM drop box (Kotak cheque 3, others 5 working days)
- Cash at branch (Rs 100 + GST)
Eligibility
| Criterion | Kotak Mahindra Bank |
|---|---|
| Age | 21-65 (add-on 18+) |
| Income | From about Rs 3 lakh p.a. (card-specific) |
| Documents | PAN, Aadhaar/passport/driving licence, Address proof (utility bill < 3 months), Salary slips / bank statement / ITR / Form 16 |
Frequently asked questions
Which Kotak Mahindra Bank credit card is best?
It depends on how you spend. By base reward value, Kotak Solitaire ranks first among the cards we track; for no fees, Kotak 811 Dream Different, Kotak League Platinum. Use the comparison table and the value calculator on each card page.
What is the Kotak Mahindra Bank credit card customer care number?
Credit card customer care: 1860 266 2666; Kotak 811 credit card: 1860 266 0811.
How do I pay my Kotak Mahindra Bank credit card bill?
Kotak Net Banking / Mobile Banking (credit within 24 hours); NEFT/IMPS from other banks: IFSC KKBK0000958, Kotak Bank Main Branch Mumbai, account no. = 16-digit card number (IMPS instant; NEFT 30 min-3 working days); WebPay via other-bank netbanking, UPI or RuPay debit card (up to 3 working days).
What is the eligibility for a Kotak Mahindra Bank credit card?
Age 21-65 (add-on 18+). Income: From about Rs 3 lakh p.a. (card-specific).
Compiled from Kotak Mahindra Bank’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with Kotak Mahindra Bank.