Kotak Mahindra Bank
Kotak League Platinum Credit Card
4 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
Pros and cons
Good
- Annual fee waived at ₹50,000 of spend a year
Watch out for
- At ₹499 a year, it doesn't beat a free card's rate on any spend
- Earns nothing on wallet loads, government payments, rent, fuel and insurance
- Low base rate: 0.27% on everyday spends
- High forex markup (3.5%)
- Who it's for
- People whose spending matches its best category: travel.
- Skip it if
- You want rewards to cover the fee: a free card pays as much.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 0.27% (base rate)
- Fuel
- 0%
- Travel
- 0.53%
- Dining and food delivery
- 0.27%
Fees and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Fee waiver
- Annual fee ₹499 per the bank's fee terms (its product page shows no annual fee, so confirm when you apply); waived on retail spends of ₹50,000 or more in a year. The joining fee isn't waived.
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹3,500 per anniversary year (from 1 Jun 2025); 1% fee applies on fuel spends above ₹25,000 per statement cycle
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Not published by the bank
- UPI payments
- No
- Minimum income (salaried)
- ₹41,667 a month
- Eligibility
- Primary cardholder age 21 to 60; add-on 18+; income ₹5 lakh a year or more; Indian resident; offered in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi NCR (incl. Gurgaon, Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, Pune.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Kotak League Platinum Credit Card?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Kotak Mahindra Bank.
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Questions people ask
Is the Kotak League Platinum Credit Card worth it in 2026?
Only if most of your spending is on travel. The catch: earns nothing on wallet loads, government payments, rent, fuel and insurance.
Is the Kotak League Platinum Credit Card lifetime free?
No. It costs ₹499 to join and ₹499 a year, plus GST. Annual fee ₹499 per the bank's fee terms (its product page shows no annual fee, so confirm when you apply); waived on retail spends of ₹50,000 or more in a year. The joining fee isn't waived.
Does the Kotak League Platinum Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the Kotak League Platinum Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Kotak League Platinum Credit Card?
No points on wallet loading (MCC 6540), online skill-based gaming (5816), insurance (5960, 6300, 6381, 6399), education and government (8211, 8220, 8241, 8244, 8249, 8299, 9222, 9223, 9311, 9399, 9402, 9405), rent (6513), fuel (5172, 5541, 5542, 5983) and railways (4011, 4112), and none on utility/telecom spends above ₹35,000 in a statement cycle.
Is there a limit on rewards with the Kotak League Platinum Credit Card?
Points on utility and telecom spends (MCC 4812, 4814, 4899, 4900) are earned only on the first ₹35,000 of such spends per statement cycle.
Who can get the Kotak League Platinum Credit Card?
The bank publishes a minimum income of ₹41,667 a month for salaried applicants. Primary cardholder age 21 to 60; add-on 18+; income ₹5 lakh a year or more; Indian resident; offered in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi NCR (incl. Gurgaon, Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, Pune. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read Kotak Mahindra Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on Kotak Mahindra Bank's official page. Fees and rewards change; check the issuer's terms before you apply.