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Kotak Mahindra Bank
Kotak Fortune Gold Credit Card
Visa
Kotak Fortune Gold Credit Card
A no-frills, lifetime-free Kotak card with a fuel surcharge waiver and an annual PVR/cashback milestone — a fine backup card for building credit history, but with a flat, unremarkable reward rate.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on transactions at petrol pumps
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Fuel surcharge waiver on transactions at petrol pumps
- 4 complimentary PVR movie tickets or ₹750 cashback on ₹1,50,000 annual spend
- Easy access to cash withdrawal facility
Pros
- + Lifetime free — no joining or annual fee
- + Fuel surcharge waiver
- + Annual milestone benefit
Cons
- − Flat, low reward rate with no bonus categories
- − No lounge or travel benefits