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Kotak Mahindra Bank
Kotak Privy League Signature Credit Card
Visa
Kotak Privy League Signature Credit Card
Kotak's Privy League banking-relationship reward card — decent lounge access for the fee — but it's gated behind holding a Privy League relationship with the bank, not just meeting an income bar, which limits who can actually apply.
Rates and fees last verified 15 July 2026.
Annual fee
₹2,500
Joining fee
₹0
Reward type
points
Base reward rate
0.4%
Card network
Visa
Card tier
Premium
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate
- ✈️ Travel
1% reward rate · Complimentary Priority Pass with 4 international lounge visits/year, plus 2 domestic DreamFolks lounge visits per quarter
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Complimentary Priority Pass with 4 international lounge visits/year, plus 2 domestic DreamFolks lounge visits per quarter
- Dedicated Privy League relationship-linked concierge assistance
Pros
- + Priority Pass + quarterly domestic lounge access
- + Fee waived on ₹5L annual spend
- + Solid 1% rate on dining and travel
Cons
- − Requires an existing Kotak Privy League banking relationship to apply
- − Base reward rate outside bonus categories is thin (0.4%)
- − Point value is a modest ₹0.20