Kotak Mahindra Bank credit cards we compare
3 Kotak cards side by side, and which one suits each kind of spend. Facts from Kotak's own pages.
3 cards · last verified 20 Oct 2026 · how we compare
All Kotak cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| Kotak League Platinum Credit Card4 reward points per ₹150 on most spends, 8 points per ₹150 on travel, airline, department store, durables and electric-sales spends and on all spends once yearly spend crosses ₹2 lakh; no points on fuel, rent, insurance or railways. | ₹499 joining, ₹499 a year | 0.27% | No | None | Movies and dining | Apply nowVia our referral partner. We may earn a commission. |
| Kotak811 Dream Different Credit Card2% cashback on most spends, including UPI payments made in the Kotak811 app, but only in billing cycles where you spend ₹15,000 or more. Cashback is capped at ₹500 a cycle (of which at most ₹200 from UPI) and ₹100 a transaction, and you claim it in the 811 app into your Kotak savings account. Fuel, rent, wallet loads, insurance, gold, gaming and EMI spends earn nothing. | ₹424 joining, no annual fee | 2% | Yes | None | UPI and RuPay, Cashback, Bills and utilities, Students and beginners, Against FD | View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card. |
| Kotak811 super.money Credit CardCashback: 5% on Myntra and 2% on Flipkart when you pay by card (not UPI), 1% on UPI payments made in the super.money app, and 1% on other card spends. UPI and other spends need a payment of at least ₹100. Per billing cycle, UPI cashback is capped at ₹500 and Flipkart cashback at ₹500 (₹100 a transaction). | ₹249 joining, no annual fee | 1% | Yes | None | UPI and RuPay, Cashback, Against FD | View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card. |
Base rate is the value back on everyday spends at Kotak's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which Kotak card for which spend
- UPI and RuPayKotak811 Dream Different Credit Card2% on UPI · #2 of 30 cards we compare · see all UPI and RuPay cards
- CashbackKotak811 Dream Different Credit Card2% on online shopping · #5 of 15 cards we compare · see all cashback cards
- Movies and diningKotak League Platinum Credit Card0.27% on dining and food delivery · #22 of 29 cards we compare · see all movies and dining cards
- Bills and utilitiesKotak811 Dream Different Credit Card2% on bills and utilities · #12 of 16 cards we compare · see all bills and utilities cards
- Students and beginnersKotak811 Dream Different Credit Card₹424 joining, no annual fee · #1 of 5 cards we compare · see all students and beginners cards
- Against FDKotak811 Dream Different Credit Card₹424 joining, no annual fee · #1 of 6 cards we compare · see all against FD cards
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which Kotak credit card is lifetime free?
None of the Kotak cards we compare is lifetime free; most waive the annual fee above a yearly spend, shown on each card's page.
Which Kotak credit card works on UPI?
Kotak811 Dream Different Credit Card and Kotak811 super.money Credit Card. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which Kotak credit card gives airport lounge access?
None of the Kotak cards we compare includes complimentary airport lounge visits.
What income do I need for a Kotak credit card?
The lowest published income among these cards is ₹41,667 a month for the Kotak League Platinum Credit Card (salaried). Kotak decides approval on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from Kotak's own pages and terms, last verified 20 Oct 2026. It may not be every Kotak card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.