Credit cards are convenient financial tools that help process short-term cashless transactions. Credit card not only helps borrow financial funding but they also offer an array of additional benefits such as rewards, cashback offers, discounts etc. Kotak Mahindra bank is a top-class bank providing a number of credit cards that offer rewards thus catering to the specific needs and buying preferences of the customers. Depending on the buying preferences, the potential cardholders are free to pick whichever credit card that offers extra benefits and rewards on the things they like to spend on the most, for example, entertainment, movies, dining, shopping, travel, fuel, lounge access etc.

Kotak offers a total of 19 credit cards and has categorized it further into five categories namely, cashback, rewards, high-value, low fees, commercial. This categorization makes the credit card purchase easy for the customers and helps them assess the rewards they could gain from the respective credit cards.Here are 6 top-rated Kotak credit cards to suit the different needs and purchase inclinations of cardholders:

Delight Platinum Credit Card:

Best known for its cashback discounts and offers on dining, movies and fuel purchases the Delight Platinum Credit Card allows cardholders to:

1) Get cashback of 10% on movies, entertainment and dining on spending Rs.10,000 monthly

2) Get Rs.750 Cashback or get 4 PVR tickets free on the expenditure of Rs.1,25,000 every 6 months

3) Enjoy the benefits of fuel surcharge waiver across all petrol pumps in the country (Terms and Conditions apply)

4) Fuel and railway surcharge waiver applicable up to a maximum of Rs.4500 and Rs. 500 in a calendar year

Cardholders will be required to pay a joining fee of Rs.1,999 and an annual fee of Rs.299 for this credit card.

Urbane Gold Credit Card:

The top in the list for highest rewards and benefits in the credit cards offered by Kotak, the Urbane Gold Credit Card offers:

1) Cardholders the opportunity to earn 3X Reward Points against retail expenses of Rs.100

2) 10,000 Reward Points or 4 PVR tickets free on yearly spends of Rs.1 Lakh

3) Annual Fee will be waivered on spends of Rs.15,000 per year.

4) Urbane shield, coverage of up to Rs.50,000 in case of theft and fraudulent usage. (terms and conditions apply)

5) Add-on card also available with the option to track the spends separately

No joining fee is required except for an annual fee of Rs.199. The Urbane Gold Credit Card is also ranked as the top low-fee Kotak credit card that offers many rewards and cashback discounts.  

Royale Signature Credit Card:

Apart from providing extra benefits and offers on dining, shopping and higher rewards for travel spends, the Royale Signature Credit Card is one of the high-value credit cards offered by Kotak Mahindra.

1) For yearly retail spends of Rs.8 Lakh, cardholders get up to 30,000 Bonus Reward Points

2) The opportunity to get two complimentary visits to the airport lounges within the nation a calendar quarter.

3) Annual Fee waiver available on yearly retail spends of Rs.1 Lakh

Being a high-value credit card, it requires a joining fee of Rs.1499 and an Annual Fee Rs. 999 is charged for the Royale Signature Credit Card.

League Platinum Credit Card:

League Platinum Credit Card falls under the category of low-fee cards offered by Kotak Mahindra. It offers multiple rewards and cashback against such low fees and charges.

1) Cardholders can earn up to 8X Reward Points on every spends of Rs.150 in all categories

2) They can also earn 10,000 Reward Points or get four PVR tickets free on spending Rs.1,25,000 every 6 months

3) Yearly retail expenditure Rs.50,000 will waiver the annual fee charges

4) Cardholders have several options for Reward Redemption such as cash, mobile recharge, movie tickets, airline tickets, shopping discounts and branded merchandise etc.

The joining fee depending on the terms and conditions applicable ranges from nil to Rs. 500 Annual Fee charged for League Platinum Credit Card is Rs.499.

Corporate Wealth Signature Credit Card:

With no joining fee and annual fee charges, the Corporate Wealth Signature Credit Card as the name suggests is a credit card that centres its rewards and offers that are suitable for commercial requirements.

1)Usage of this card can get cardholders high cash back amounts and a number of additional benefits

2)Interest-free funds are provided for up to 48 days,  this facility is similar to an overdraft facility provided on credit cards

PVR Platinum Credit Card

A credit card could not have been more customer-oriented, Kotak Mahindra designed a credit card that offers reward and offers that cater to the needs and preferences of for movie lovers.

1) On monthly spends of Rs.10,000, cardholders get 2 free PVR tickets every month.

2) Cardholders can get up to 24 PVR tickets free worth Rs.9,600 in a year

3) Annual savings of up to 7%

Although no amount of joining fee is required, the PVR card requires payment of an annual fee of Rs.999.

Kotak Mahindra credit cards are one of the best options available in the market. They offer customer-oriented offers, hassle-free application and repayment schemes and the fees and charges associated with the cards come with utmost transparency. One can be assured that no hidden charges will suddenly arise and become a further financial liability.    

Customers can apply for their Kotak Mahindra credit cards online via the official website. The Kotak Mahindra website also allows customers to make a one on one comparison of different credit cards available so that the cardholder can make the decision with utmost clarity.

In case you have applied for Kotak credit card online and wish to know the Kotak credit card status, you can either visit the official website, call customer service or you can also opt for offline methods.

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