Kotak League Platinum Credit Card
Kotak Mahindra Bank · Visa + RuPay · Entry card
Adds a mainstream low-fee Kotak RuPay option with a practical renewal-fee waiver.
Kotak customers seeking an affordable RuPay card with occasional movie value.
Terms checked 23 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.2% |
| Groceries & essentials | 0.2% |
| Dining & delivery | 0.2% |
| Travel & hotels | 0.2% |
| Bills & utilities | 0.2% |
| Beauty & wellness | 0.2% |
| Entertainment & movies | 0.2% |
| Healthcare & pharmacy | 0.2% |
| Subscriptions & streaming | 0.2% |
| Offline store shopping | 0.2% |
| International spending | 0.2% |
| Gold & jewellery | 0.2% |
| Other miscellaneous | 0.2% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹50,000 annual spending
- Monthly income requirement
- Approx. ₹41,667/month salaried · ₹41,667/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
All-spend rate after ₹2 lakh
Usage-based valueEight points per ₹150 on eligible purchases after the ₹2 lakh anniversary-year threshold is satisfied.
Conditions: Eight points per ₹150 on eligible purchases after the ₹2 lakh anniversary-year threshold is satisfied.
Selected merchant-category rate
Usage-based valueEight points per ₹150 at published travel, airline, electrical/durable-goods and departmental-store MCCs.
Conditions: Eight points per ₹150 at published travel, airline, electrical/durable-goods and departmental-store MCCs.
Other eligible points
Usage-based valueFour points per complete ₹150 on other eligible purchases.
Four points per ₹150 normally and eight at selected MCCs
Shown without a cash valueEight points per ₹150 on all eligible spend after ₹2 lakh anniversary spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹50,000 of eligible annual spending.
Conditions: Reach ₹50,000 eligible annual spending
Welcome benefits · 1 item
5,000 welcome reward points
Recorded value ₹500Welcome points with issuer-stated catalogue value of ₹500.
Conditions: Pay the applicable joining fee · Issuer posting and fulfilment terms apply
Spend milestones · 2 items
10,000 points or four PVR tickets at ₹1.25 lakh per half-year
10,000 reward unitsEach completed six-month block qualifies independently. The alternative four PVR tickets are capped at ₹400 each and may be more valuable than point redemption.
Conditions: Reach ₹1,25,000 per six-month block
Choice of four PVR tickets up to ₹400 each instead of 10,000 points for each half-year milestone
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹41,667. Kotak publishes minimum annual income of ₹5 lakh.
Other benefits · 3 items
1% fuel-surcharge waiver on ₹500-₹4,000 transactions, capped at ₹3,500 yearly
Shown without a cash valueRailway surcharge waiver capped at ₹500 yearly
Shown without a cash value₹50,000 annual-fee waiver and RuPay merchant-UPI support
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Four points per ₹150 normally and eight at selected MCCs
- ✓ Eight points per ₹150 on all eligible spend after ₹2 lakh anniversary spend
- ✓ Half-yearly ₹1.25 lakh milestones, each offering tickets or 10,000 points
- ✓ ₹50,000 annual-fee waiver and RuPay merchant-UPI support
What to watch
Cash redemption is ₹0.07 per point versus ₹0.10 for catalogue vouchers. Each half-year target is independent; one strong half does not unlock the other.
Recorded exclusions
Fuel Commute · Education Family · Rent · Insurance · Wallet load · Gaming · Government payments · Railway · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 1 Jun 2025