All cards / Kotak Mahindra Bank
Kotak League Platinum
A budget-friendly card with a modest but broad reward rate, a fuel surcharge waiver, and a semi-annual movie-ticket milestone benefit. It also earns a much faster multiplier — well above the base rate — on a defined set of categories like airlines, travel agencies, tour operators, electronics and department stores, up to a spend ceiling, which rewards occasional big-ticket shopping and travel bookings more than everyday spend.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to salaried applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
2.5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped ₹3,500/year (₹500–₹4,000/transaction)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹41,700
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
Benefits
- 1% fuel surcharge waiver, capped ₹3,500/year (₹500–₹4,000/transaction)
- 4 free PVR movie tickets or 10,000 reward points per ₹1,25,000 spent every 6 months
Pros
- + Accessible income requirement
- + Fuel surcharge waiver
- + Milestone movie tickets every 6 months
- + Accelerated points on travel bookings, electronics and department-store spend
Cons
- − Salaried-only eligibility
- − No meaningful travel/dining bonus categories
- − Accelerated category bonus is capped on total spend, offering little help beyond that ceiling
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