Kotak Biz Credit Card
Kotak Mahindra Bank
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Travel and tour operators and domestic airlines, advertising and direct marketing services, supermarkets, and lodging | 1% | No cap |
| All other spends | 0.25% | No cap |
Redemption fee: 0
Managed via Kotak Rewards portal, Kotak contact centre
Transfer partners
Live Offers
20 activeBenefits
Lounge Access
1 domestic visits/quarter
0 international visits/quarter
Primary cardholders only. Complimentary domestic airport lounge access per calendar quarter, conditional on having spent ₹75,000 or more in the previous calendar quarter — one of the highest spend gates in Kotak's range, against ₹60,000 on the Kotak Air. A new cardholder therefore gets nothing in their first quarter. Kotak does not publish how many visits the entitlement is worth; see _data_quality_notes. A ₹2 validation charge applies per visit, and visits beyond the quota are charged at the lounge's own rate. No international lounge access — Kotak Biz is not on the Priority Pass list.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹2,500 in a year — the smallest annual fuel cap in Kotak's range. The card page says calendar year and the MITC says anniversary year. Fuel earns no reward points at all on this card, so the waiver is the entire fuel benefit, and fuel spend above ₹35,000 per statement cycle attracts a separate 1% fee.
Insurance Cover
Card liability cover — lost card liability, counterfeit, skimming, phishing and online fraud protection₹50,000
Flight delay of more than 6 hours₹10,000
Carrier cancellation₹10,000
Loss of checked-in baggage₹10,000
Delay of checked-in baggage₹10,000
Valuable documents cover₹10,000
Missing a connecting international flight during transit₹10,000
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹299/yr |
| Renewal Fee | ₹499/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the advance amount, subject to a minimum of ₹500. |
| Reward Redemption Fee | 0 |
| Min Income Eligibility | 480000 |
