Kotak Infinite Credit card
For those who hate to compromise, this Card is for you.
The Kotak Infinite Credit Card is an ‘invite-only’ Credit Card, specifically tailored for individuals who settle for nothing but the best in class for everything they do. With this Credit Card, you get a plethora of benefits and privileges, including a personalized card, golf privileges and access to prestigious international events.
Personalised Card Design
Minimum credit limit of Rs. 10 Lakhs
A World of Exclusivity keeping your unique interests in mind
Complimentary* tee-offs at some of the finest golf courses in India, and around the world.
Kotak Infinite Credit Card – Designed after you
Kotak Infinite Credit Card is a 'By-Invite' credit card program, exclusively for Kotak Private Banking clients. Kotak Infinite Credit Card offers best in class reward program, personalized card, golf privileges and access to prestigious international events. This card has been designed especially for top of the pyramid customers, considering their lifestyle and high spending power.
Personalised Card Design
Kotak Infinite Credit Card is designed after you, which means it carries a unique hand crafted illustration of the cardholder image on face of the card.
Higher Credit Limit
Kotak Infinite Credit Card comes with minimum credit limit of Rs. 10 Lac and an instant credit limit increase* offer to support your big purchases through an additional spending limit.
*Limit increase offer above your assigned credit line is available at bank’s discretion on case-to-case basis, taking spend and payment pattern into consideration.
The game for the game changers
Simply escape the hustle and bustle of the normal routine with complimentary* tee-offs at some of the finest golf courses in India and World.
Get 2 complimentary round of golf in a month for the cardholder . Also, you can invite two friends for a complimentary round once in a quarter
* T&C apply. Kindly refer cardholder agreement for golf program details.
To book a round of Golf, please click on www.kotak.golftripz.com
Bonus reward points!#
Get 800 Reward points worth Rs 800 free every month with your Kotak Infinite Credit Card.
# Crediting of reward points in lieu of 2 free PVR tickets is an interim change in the feature of the card.
The benefits don’t stop
There's an even greater wealth of benefits and treats waiting for you with a Kotak Infinite Credit Card.
|Fee & other Parameters||Kotak Infinite Credit Card|
|Condition for waiver of Annual Fees - First Year||NA|
|Condition for waiver of Annual Fees - Second Year||NA|
|Addon card Fees||Nil|
|Interest Charges on outstanding Balances||3.10% (Annualized 37.2%)|
|Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)||MAD can be 5% or 10% of TAD as decided by the Bank|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300|
|Late Payment Charges ("LPC")||Rs. 100 for statement o/s less than or equal to Rs. 500.|
|Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10000.|
|Rs. 700 for statement o/s greater than Rs. 10,000|
|Over Limit Charge||Waived|
|Cheque Bounce Charges||Rs. 500|
|Foreign Currency Mark Up||2%*|
|Railway Booking Surcharge (on transaction amount)^||Waived|
|Fee for Cash payment at Bank||Waived|
|Outstation Cheque Processing Fee||Waived|
|Reissue/ Replacement Card (per issunace)||Waived|
|Charge Slip Request||Waived|
|Machine Surcharge at ATMs||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived|
|Duplicate Statement Request||Waived|
|Web Pay Service Fee||Waived|
|All the taxes would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card|
|^Maximum Railway surcharge waiver of Rs. 500 in a calendar year|
|**Fuel surcharge to be waived only for transactions between values of Rs. 400 - Rs. 4000. Maximum Fuel surcharge waiver of Rs. 4500 in a calendar year|
|*With effective 16th October 2019, foreign markup fee would be reduced to 2%|
Explore more credit card options that best suit your needs.
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit. It is issued by banks and financial institutions to bring convenience of payment. Credit cards act as a micro loan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). A custom borrowing limit is pre-set by the issuer and this determines the maximum amount of credit a user can spend from a credit card. Credit card brings users the opportunity to save big through discounts and deals, making it a popular choice.
Don’t be put off by the term ‘credit’. If used wisely, credit cards are a convenient tool to manage your short-term financing needs. A credit card is a financial tool that lets you borrow a certain sum of money and repay it back later in instalments. An interest is charged only if the credit amount is not repaid within the grace period which usually ranges between 20 to 60 days. Whether you want to make online payments or swipe the card at a restaurant, everything is possible with a credit card. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashbacks, frequent flyer miles, credit score etc. A credit card is certainly a must-have item in your wallet.
At Kotak Mahindra Bank, we understand the diversity of our customer’s needs. Hence Kotak Bank offers a wide range of credit cards based on your buying preferences. We have categorized our credit card rewards centred on your preferences such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you are free to choose a credit card that earns you extra points on the things that matter the most to you. So go ahead, explore and compare our wide assortment of credit cards in order to find the perfect match. Once you find the right credit card, you will be able to earn as you spend!
The eligibility criteria for a kotak credit card will vary for every applicant. However, there are some criteria that remain uniform and these include:
Joining Fee: INR NIL|Annual Fee: INR 999
*wavied at an annual retail spend of Rs 1 Lac