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Kotak Mahindra Bank

Kotak Privy League Signature Credit Card

Kotak Privy League Signature Credit Card

  • Joining Fee :

    Nil (For Both Variants)

  • Renewal Fee :

    Rs. 2,500 + GST (for the Paid Variant), Nil (for Free Variant)

  • Reward Type :

    Reward Points

Welcome Benefits

N/A

Best suited for

Shopping

Product Details

  • The card is exclusive to Privy customers of the bank and is offered in two variants- the paid variant and the free variant.

  • Under the shopper’s plan, you get 5X reward points on select shopping categories (the categories slightly differ for the two variants) and 2X reward points on all other spends.

  • Traveller’s plan earns you 5X reward points on select travel categories (categories different for the two variants) and 2X points on all other spends.

  • 6,400 bonus reward points every quarter on expenditure of Rs. 1,000 in all three months of the previous quarter (applicable only for paid variant).

  • Bonus reward points for achieving incremental spending milestones.

  • Complimentary domestic airport lounge access and Priority Pass membership (4 complimentary visits with Priority Pass on the paid variant).

  • A lower interest rate of 2.49% per month.

  • Fuel and railway surcharge waiver.

  • Premium concierge service regarding hotel/flight bookings, spa/fitness centre information, referral assistance, etc.

Rewards & Benefits

  • Movie & Dining

  • NA

  • Rewards Rate

  • 5x Reward Points on select retail shopping and travel spends, 2x Reward Points on all other spends and traveler's plan.

  • Reward Redemption

  • Reward Points redeemable on Kotak reward redemption portal.

  • Travel

  • Complimentary domestic lounge access, Priority Pass membership, 4 complimentary lounge visits / year visits with Priority Pass (paid variant only)

  • Golf

  • N/A

  • Domestic Lounge Access

  • 2 Complimentary visits to the Dream Folks Lounges in India

  • International Lounge Access

  • Complimentary Priority Pass membership (with both variants), 4 complimentary lounge visits every year visits with Priority Pass (paid variant only)

  • Insurance Benefits

  • NA

  • Zero Liability Protection

  • Zero liability against fraudulent transactions if loss or theft is reported to the bank within the specified time frame.

Fees & Charges

  • Spend Based Waiver

  • The annual membership fee will be waived off if the cardholder spends Rs. 5 lakh in the preceding year or by maintaining Insignia or True Optima Banking Relationship

  • Rewards Redemption Fee

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Foreign Currency Markup

  • 2% for paid variant and 3.5% for the free variant (exclusive of GST)

  • Interest Rates

  • 2.49% per month (29.88% annually)

  • Fuel Surcharge

  • Waived

  • Cash Advance Charges

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

  • Add-on Card Fee

  • Nil

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