KKotak MahindraKotak Biz Edge Credit CardVisa / RuPay
Kotak Biz Edge Credit Card Credit Card
Kotak Mahindra Bank · Business
5X reward points on business essentials (utility, tax, GST), SaaS spends on Nuclei, and flights and hotels on Kotak Unbox.
- Joining fee
- ₹999
- Annual fee
- ₹999
- Waiver spend
- ₹2,00,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹2,00,000 in a card year and the next annual fee is waived.
That is about ₹16,667 a month.
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Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 10 points per Rs 150 on business essentials (utilities, insurance, fuel, tax, telecom, electronics)
- 2 points per Rs 150 on other spends
No rewards on education, rent, wallet loads.
Points
Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 3 years.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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