What is the annual fee for Kotak Biz Credit Card?

The annual fee is ₹499, with a one-time joining fee of ₹299. This positions it as a budget-friendly option for business owners seeking basic rewards without premium card costs.

How to apply for Kotak Biz Credit Card?

You can apply through Kotak Mahindra Bank's website or visit a branch with your business documentation (GST certificate, business registration, income proof). Approval typically takes 5-7 working days.

What rewards does Kotak Biz Credit Card offer?

The card earns 1% reward points on all your spends. Points can be redeemed for cashback, travel bookings, or merchandise depending on Kotak's redemption catalog.

What are the eligibility criteria for Kotak Biz Credit Card?

Eligibility criteria are not specified in the available details. You'll typically need to be a registered business owner with valid business documentation and proof of income — check Kotak Mahindra Bank's website or contact their team for current requirements.

Does Kotak Biz Credit Card offer airport lounge access?

No airport lounge benefits are specified for this card. It focuses on straightforward rewards earning rather than premium travel perks, keeping costs low for business users.

Is Kotak Biz Credit Card worth it?

It's worthwhile if you spend consistently across business categories and value simplicity over premium benefits. At ₹499 annually, you'd need to earn at least ₹50,000 in reward points yearly to justify the fee at 1% earning rate.

Credit Cards

BusinessEntryVisa

Kotak Biz Credit Card

Straightforward rewards for business transactions

Annual fee₹499

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Kotak Mahindra Bank. Full disclaimer

Rewards

Base earn rate

Earn 1 reward points for every ₹100 on all other spends

Excludes: Wallet Loading, Fuel, Rent, Online-Based Gaming

Category	Rate	Cap
Travel And Tour Operators & Domestic Airlines	—	—
Direct Marketing/Advertising Services	—	—
Supermarket	—	—
Lodging – Hotels, Motels, Resorts	—	—

• Minimum redemption: 2000 points

Fees & charges

Joining fee: ₹299
Annual / renewal fee: ₹499
Add-on card fee: ₹299
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹5000 txns, max ₹400/cycle

View official MITC →

Insurance covers

Fraud liability

₹50,000

Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection): 50,000 INR

Lost card liability

₹50,000

Travel insurance

₹50,000

Baggage loss

₹10,000

Credit liability

₹50,000

Eligibility

Income (salaried): Minimum Income Tax Return of Rs. 4.8 lakh and above per annum
Income (self-employed): ₹4.8L/year
Age: 21–65 years

Employment types

Self-EmployedProprietorPartnership

Features

✓ Chip & PIN

Additional features

Embedded EMV Chip lends an additional level of security
6-digit PIN authentication for higher security of your transactions
Biz Launchpad: Save up to 40% on business software at Nuclei platform

No rewards on

Wallet Loading · Fuel · Rent · Online-Based Gaming

FAQs

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Credit Cards

BusinessEntryVisa

Kotak Biz Credit Card

Straightforward rewards for business transactions

Annual fee₹499

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Kotak Mahindra Bank. Full disclaimer

Rewards

Base earn rate

Earn 1 reward points for every ₹100 on all other spends

Excludes: Wallet Loading, Fuel, Rent, Online-Based Gaming

Category	Rate	Cap
Travel And Tour Operators & Domestic Airlines	—	—
Direct Marketing/Advertising Services	—	—
Supermarket	—	—
Lodging – Hotels, Motels, Resorts	—	—

• Minimum redemption: 2000 points

Fees & charges

Joining fee: ₹299
Annual / renewal fee: ₹499
Add-on card fee: ₹299
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹5000 txns, max ₹400/cycle

View official MITC →

Insurance covers

Fraud liability

₹50,000

Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection): 50,000 INR

Lost card liability

₹50,000

Travel insurance

₹50,000

Baggage loss

₹10,000

Credit liability

₹50,000

Eligibility

Income (salaried): Minimum Income Tax Return of Rs. 4.8 lakh and above per annum
Income (self-employed): ₹4.8L/year
Age: 21–65 years

Employment types

Self-EmployedProprietorPartnership

Features

✓ Chip & PIN

Additional features

Embedded EMV Chip lends an additional level of security
6-digit PIN authentication for higher security of your transactions
Biz Launchpad: Save up to 40% on business software at Nuclei platform

No rewards on

Wallet Loading · Fuel · Rent · Online-Based Gaming

Kotak Biz Credit Card

Explore related credit cards

Guides and tools

Kotak Biz Credit Card

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Guides and tools