Kotak Infinite Credit Card

4 domestic visits/quarter

0 international visits/quarter

4 complimentary visits every quarter to select domestic lounges in India — the highest quarterly domestic entitlement on any Kotak card short of the unlimited access on the Solitaire and White Reserve. No spend gate. No international lounge access: Kotak's bank-wide lounge terms list the cards in the Priority Pass international programme and the Infinite is not among them.

1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹7,500, capped at ₹4,500 in a calendar year. Kotak's June 2025 revision raised the interest rate on this card from 3.1% to 3.5% a month and introduced this waiver structure at the same time.

800 Reward Points every month, worth ₹800, credited unconditionally

Credited in lieu of the 2 free PVR tickets the card used to carry — Kotak describes the substitution as an interim change.

The recurring benefit is monthly, not annual: 800 Reward Points worth ₹800 are credited every month with no spend condition attached, which is ₹9,600 a year on a card with no joining and no annual fee. It replaced the two free PVR tickets the card used to carry, and Kotak describes the substitution as 'an interim change in the feature of the card' — so it may revert. It is recorded in annual_benefit rather than milestones because there is no spend threshold to attach it to.