1. IndianOil Kotak Credit Card
Annual fee ₹449 · Rewards up to 4% · You keep ₹3,240* a year
The IndianOil Kotak Credit Card is Kotak's fuel card: 24 reward points per ₹150 at IndianOil pumps, worth 4%, plus a 1% surcharge waiver, for up to 5% savings on fuel. Groceries and dining earn 2%, and the ₹449 fee is waived on ₹50,000 of yearly spends.
- 4% on IndianOil pumps
- 2% on groceries
- 2% on dining and food delivery
- 0.5% on other spends
2. Kotak Air Credit Card
Annual fee ₹999 · Rewards up to 3% · You keep ₹2,880* a year
The Kotak Air Credit Card earns 1 Air Mile per ₹100 on most spends and 3 per ₹100 on flights and hotels booked through Kotak Unbox, where 1 mile is worth ₹1. It gives 1,000 bonus miles a year and 4 domestic lounge visits with a spend condition.
- 3% on Kotak Unbox travel
- 1% on other spends
3. Kotak 811 Dream Different Credit Card
Annual fee Free · Rewards up to 2% · You keep ₹2,880* a year
The Kotak 811 Dream Different Credit Card is issued against a Kotak fixed deposit, so you can get it without income proof or a credit score, with a limit of up to 90% of the FD. It has no annual fee and pays 2% cashback in any billing cycle where you spend ₹15,000, up to ₹500.
- 0% on other spends
- 2% on spends above ₹15,000 a month
4. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹2,520* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
5. Kotak Air+ Credit Card
Annual fee ₹3,000 · Rewards up to 5% · You keep ₹2,220* a year
The Kotak Air+ Credit Card earns 2 Air Miles per ₹100 on most spends and 5 per ₹100 on flights and hotels booked through Kotak Unbox, where 1 mile is worth ₹1. It suits travellers who book through Kotak Unbox, with 2,500 bonus miles a year, a 2% forex markup and 6 lounge visits.
- 5% on Kotak Unbox travel
- 2% on other spends
6. Kotak White Credit Card
Annual fee ₹3,000 · Rewards up to 2.67%
The Kotak White Credit Card pays rewards as spend milestones instead of points on each purchase, worth up to ₹27,000 a year once you spend ₹12 lakh. It suits high spenders who travel, with a Priority Pass and 4 free international lounge visits a year.
- 0% on other spends
- 1% on spends above ₹2,00,000 a year
- 2% on spends above ₹4,00,000 a year
- 2.33% on spends above ₹9,00,000 a year
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| IndianOil Kotak Credit Card | ₹449 | ₹449 | 4% | ₹3,240* |
| Kotak Air Credit Card | ₹999 | ₹999 | 3% | ₹2,880* |
| Kotak 811 Dream Different Credit Card | ₹424 | Free | 2% | ₹2,880* |
| Kotak Cashback+ Credit Card | ₹750 | ₹750 | 5% | ₹2,520* |
| Kotak Air+ Credit Card | ₹3,000 | ₹3,000 | 5% | ₹2,220* |
| Kotak White Credit Card | ₹3,000 | ₹3,000 | 2.67% | -₹1,940* |
How to choose a Kotak Mahindra credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which Kotak Mahindra credit card is the best?
It depends on how you spend. On our example spending, IndianOil Kotak Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which Kotak Mahindra credit card has the lowest annual fee?
Kotak 811 Dream Different Credit Card has no annual fee.
How many Kotak Mahindra credit cards have you checked?
We have checked 6 so far, against Kotak Mahindra Bank's own terms: IndianOil Kotak Credit Card, Kotak 811 Dream Different Credit Card, Kotak Air Credit Card, Kotak Air+ Credit Card, Kotak Cashback+ Credit Card and Kotak White Credit Card.
Who decides if I get a Kotak Mahindra credit card?
Kotak Mahindra Bank alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money