VISA
Kotak Mahindra BankIndigo Kotak Premium Credit Card
Joining₹3K
Annual₹3K/yr
Reward2%
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No-fee rewards for everyday spenders
Independent comparison platform. Not affiliated with Kotak Mahindra Bank. Full disclaimer
Base earn rate
1 pts per ₹100
Available to existing Kotak 811 digital savings-account holders. Minimum ₹15,000/month salary credits or equivalent deposits recommended. Age 21–65. CIBIL 700+.
Remaining 80% of spend earns the 0.1% base rate.
Rewards / year
₹720
≈ 0.12% effective
Annual fee
₹0
no published waiver
Net steady-state return
+₹720/year
Roughly breaks even at this spend
At ₹50,000/month, rewards and fee land within ₹720 of each other.
One-time welcome benefit — Product pages state "Enjoy exciting welcome benefits" but no specific value/trigger published first-hand
Based on published rates as of 2026-08-07; assumes 1 Reward Point = ₹0.10 via cashback/redemption (Kotak Rewards portal: mobile recharge, shopping, e-vouchers, movies, travel); value revised from ₹0.25 to ₹0.10 effective 01 June 2025; min 2,000 RP for cashback redemption. Rewards estimates, not guarantees.
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Kotak Mahindra Bank🔒 Secure & Free
Kotak Mahindra Bank🔒 Secure & Free
Kotak Mahindra Bank🔒 Secure & Free
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