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Kotak Mahindra Bank

Kotak Essentia Platinum Credit Card

Kotak Essentia Platinum Credit Card

  • Joining Fee :

    Rs. 1,499 + GST

  • Renewal Fee :

    Rs. 749 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

NA

Best suited for

Shopping

Product Details

  • Reward Points earned as Saving Points for all transactions.

  • 10 Saving Points for every Rs. 100 spent on departmental and grocery stores (min transaction of Rs.1,500 and max transaction of Rs. 4,000).

  • Saving Points earned on purchases from grocery and departmental stores capped at 500 Points/month.

  • 1 Saving Point for every Rs. 250 on all other spends (no cap in this case).

  • 1 Saving Point = Re. 1 redeemable on Kotak Rewards Portal or for payments at partner merchants.

  • 6 movie tickets or 1200 Reward Points on expenditure of Rs. 1,25,000 in 6 months.

  • Support for contactless payment with Visa payWave. No PIN required for transactions up to Rs. 5,000.

  • Priority assistance with KASSIST.

Rewards & Benefits

  • Movie & Dining

  • 6 movie tickets by PVR on the expenditure of Rs. 1,25,000 in 6 months.

  • Rewards Rate

  • 10 Saving Points/Rs. 100 on purchases made at grocery and departmental stores and 1 Saving Point/Rs. 250 on all other spends

  • Reward Redemption

  • Saving Points redeemable on Kotak Rewards portal for travel-related spends, shopping, mobile recharge, shopping vouchers and movie tickets. The Saving Points can also be used as cash (1 Point = Re. 1) at partner merchants.

  • Travel

  • NA

  • Golf

  • NA

  • Domestic Lounge Access

  • NA

  • International Lounge Access

  • NA

  • Insurance Benefits

  • Insurance cover worth Rs. 1.25 lakh against unauthorized transactions up to 7 days prior to reporting the loss of card.

  • Zero Liability Protection

  • Cardholder not liable for any fraudulent transaction of up to Rs. 1,25,000 up to 7 days prior to reporting the loss of card.

Fees & Charges

  • Spend Based Waiver

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Foreign Currency Markup

  • 3.5% + GST

  • Interest Rates

  • 3.50% per month or 42% annually

  • Fuel Surcharge

  • Applicable, subject to a minimum surcharge of Rs. 10

  • Cash Advance Charges

  • Rs. 300 per Rs. 10,000 (or part thereof) withdrawn.

  • Add-on Card Fee

  • Rs. 299/card

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

3 Simple Steps to Earn FreeUPIcash
1
Login

It's just one click process to login with your Google account.

2
Shop through us

Search for the retailer you want to shop on, go to retailer and shop normally as you would otherwise do.

3
Earn freeupicash

We track your transaction on the retailer website and credit freeupicash to your account.

India's Largest FreeUPIcash Platform

30+
Ways to earn
1500+
Retailer partners
₹20
Min. withdrawal amount ( UPI )