KKotak MahindraKotak UPI RuPay Credit CardRuPay
Kotak UPI RuPay Credit Card Credit Card
Kotak Mahindra Bank · Entry level
3 reward points per Rs 100 spent; UPI payments on credit card; virtual lifetime free card.
- Joining fee
- Free
- Annual fee
- Free
- Waiver spend
- –
- Forex markup
- 3.5%
Fee waiver
No annual fee, so nothing to waive.
Work it out for this card
How the app counts rewards
- 3 points per Rs 100 on utilities, up to Rs 35,000 spend a cycle
- 3 points per Rs 100, on UPI and card spends
No rewards on education, fuel, insurance, rent, wallet loads.
Points
Kotak Reward Points, worth about ₹0.07 each on the usual redemption. Expire after 2 years.
Who can apply
- Age 18+
Virtual card for existing Kotak credit card holders
Published minimums. Approval is the bank's decision.
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.
More from Kotak Mahindra
Spot a mistake on this page? Tell us