All cards / Kotak Mahindra Bank
Kotak Biz Credit Card
Visa
Kotak Biz Credit Card
Kotak's entry-level Biz card (distinct from the metal Kotak BizEdge) targets small business owners and self-employed professionals who want a low-cost card with accelerated points on travel and supermarket spend, a quarterly lounge visit, and standard fuel/railway surcharge waivers. Fees are modest — ₹299 joining plus a ₹499 annual fee — making it one of the more accessible business cards on the market rather than a premium play.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹499
Joining fee
₹299
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+ whose spend is concentrated in travel, groceries. It's worth the annual fee mainly if your points value clears it.
Benefits by category
- 🛒 Groceries
4% reward rate
- ✈️ Travel
4% reward rate · 1 complimentary domestic airport lounge visit per quarter
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: self-employed
- Age: 21–65
Benefits
- Up to 4 Reward Points per ₹100 spent on travel, supermarkets and lodging
- 1% fuel surcharge waiver at all fuel stations
- 1 complimentary domestic airport lounge visit per quarter
Pros
- + Low joining (₹299) and annual (₹499) fees relative to most business cards
- + 4x points on travel, supermarkets and lodging covers common small-business spend
- + 48-day interest-free period on retail transactions
- + Fuel and railway surcharge waivers plus a quarterly lounge visit
Cons
- − No milestone-based annual fee waiver disclosed by the issuer
- − 3.5% forex markup and a steep 42% annualized interest rate on revolved balances
- − Base reward rate outside bonus categories is a modest 1 point per ₹100