What is the annual fee for Kotak Privy League Signature Credit Card?

The annual fee is ₹2,500. However, it's waived if you spend ₹5 lakh or more in a calendar year, making it effectively free for active spenders.

How to apply for Kotak Privy League Signature Credit Card?

This is an invite-only card from Kotak Mahindra Bank. You cannot apply directly; you must receive an invitation from the bank based on their internal eligibility criteria and customer relationship.

What rewards does Kotak Privy League Signature Credit Card offer?

Earn 2% reward points on all spends. Additionally, you receive ₹6,400 bonus reward points every quarter if you maintain a minimum spend of ₹1,000 per month (for paid cardholders), translating to ₹25,600 annually in bonus points alone.

What are the eligibility criteria for Kotak Privy League Signature Credit Card?

Specific eligibility criteria are not disclosed publicly. Since it's an invite-only product, Kotak extends invitations to select customers based on internal parameters. Contact Kotak Mahindra Bank directly for current requirements.

Does Kotak Privy League Signature Credit Card offer airport lounge access?

Yes. The card provides eight complimentary domestic lounge visits per year and includes Priority Pass membership for additional airport lounge access globally.

Is Kotak Privy League Signature Credit Card worth it?

It's valuable if you spend ₹5L+ annually (negating the fee) and travel domestically 8+ times per year. The quarterly bonus points (₹25,600/year) combined with 2% base rewards make it worthwhile for high spenders, though exclusivity means limited accessibility.

Credit Cards

PremiumPremiumVisa

Kotak Privy League Signature Credit Card

Premium rewards for invite-only members seeking quarterly bonus point stacking

Annual fee₹2,500Waived on ₹5.0L spend

Rewards2.00%2 Reward Point per ₹100

Forex markup2%

No longer offered

Kotak Mahindra Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

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Welcome benefits

6400 bonus reward points every quarter on minimum spend of ₹1000 per month (paid card only)

Rewards

Base earn rate

For every ₹100 spent on credit card 5 reward points are earned for special categories and 2 on other retail spends.

Kotak Rewards

Category	Rate	Cap
Shopper'S Plan - Select Categories (Apparels, Grocery, Consumer Durable, Multi-Brand Online, Departmental Stores)	—	—
Traveller'S Plan - Select Categories (Airlines, Hotels, Duty Free, International Spends, Travel Agencies)	—	—
Shopper'S Plan - Select Categories (Apparels, Jewelry, Consumer Durable, Restaurants, Departmental Stores)	—	—
Traveller'S Plan - Select Categories (Airlines, Hotels, Restaurants, International Spends, Travel Agencies)	—	—

• Minimum redemption: 2000 points

Milestone benefits

Bonus reward points! (Only for paid card)# You will get bonus reward points on activation every month. If you spend minimum Rs 1000 every month, you would be eligible for 6400 reward points for that quarter. E.g. You spend Rs. 1000 in April, May and June, you will get 6400 extra reward points in the month of July. # Crediting of reward points in lieu of 4 PVR tickets is an interim change in the feature of the card For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits". Any transaction settled on 01st July will not be considered under milestone period. Milestone Program In addition to the reward points which you will earn on every transaction, you will also be eligible for bonus reward points on achieving the below spends criteria, in an anniversary year. Paid Card: Spend Rs. 3,00,000 - Earn Bonus Reward Points: 7000 Spend Rs. 8,00,000 - Earn Bonus Reward Points: 30000 Free Card: Spend Rs. 4,00,000 - Earn Bonus Reward Points: 10,000 Spend Rs. 8,00,000 - Earn Bonus Reward Points: 30,000 Bonus reward points will be credited to your card account at the end of an anniversary period* as per the eligibility. Customer will be eligible for Bonus Reward Points basis only one of the Milestones at the end of the term. If someone has achieved spends of Rs. 8 Lakhs, he will be entitled to only 30,000 reward points. For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits". Any transaction settled after 30th June 2021 will be considered in next milestone period.

Lounge access

Domestic

8visits / year

Max 2 per quarter

Select

International

Priority Pass

4complimentary visits

Membership value USD 99

Railway lounge access — Included

Railway Surcharge Waiver Get 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter* *Maximum railway surcharge waiver allowed in a calendar year is Rs 500

Fees & charges

Joining fee: Nil
Annual / renewal fee: Nil (₹2,500 for Paid Variant)
Annual fee waiver: Annual retail spends of ₹ 500,000 or by maintaining *Black or Platinum Banking Relationship
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: 2%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹7500 txns, max ₹300/cycle

View official MITC →

Eligibility

Age: 21–60 years

Features

✓ Contactless✓ Chip & PIN✓ International usage✓ Concierge service

Additional features

Two plan options: Shopper's Plan and Traveller's Plan with different accelerated reward categories
Auto redemption option: Rs 80 credited every 3 months for every 400 reward points accumulated
6400 bonus reward points every quarter on minimum Rs 1000 spend per month (Paid Card only)
Balance transfer facility with 3 month interest free period

Card management via Kotak Bank Mobile App.