Welcome Benefits

Get a movie voucher worth Rs. 500 upon payment of the joining fee.

Rewards Program

Special Categories: Earn 8x Reward Points per Rs. 150 spent on select categories like airlines, departmental stores, travel agencies, and durable goods.

Other Categories: Earn 4x Reward Points per Rs. 150 spent on all other categories, up to Rs. 2 Lakhs.

Above Rs. 2 Lakhs: Earn 8x Reward Points on all categories after exceeding Rs. 2 Lakhs in annual spends.

Milestone Benefits

Spend Rs. 1,25,000 every six months and choose one of the following rewards:

4 Free PVR Tickets: Enjoy up to 8 free tickets annually, transferable and usable for any show.

10,000 Reward Points: Reward points are redeemable in the next billing cycle for options like travel bookings, movie tickets, and more.

Reward Redemption

Reward Points can be redeemed via the Kotak Rewards Portal for products, gift vouchers, travel bookings, and more.

You can also use Pay with Points at partner merchant stores.

Fuel Surcharge Waiver

Receive a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000, capped at Rs. 3,500 annually.

No reward points are earned on fuel transactions.

Railway Surcharge Waiver

Get a railway surcharge waiver of up to Rs. 500 annually on transactions made via the IRCTC website or at Indian Railways booking counters.

Fraud Protection

Enjoy protection against fraudulent transactions with coverage of Rs. 1.25 Lakhs for lost or stolen cards, valid for up to 7 days from reporting the loss.