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by Kotak · Visa · Premium · Retail
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Fees & charges

Joining fee₹3,000
Annual fee₹3,000
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the advance amount, subject to a minimum of ₹500
Late payment fee
<=₹100₹0
>₹100-₹500₹100
>₹500-₹1000₹500
>₹1000-₹5000₹600
>₹5,000-₹10,000₹750
>₹10,000-₹25,000₹900
>₹25,000-₹50,000₹1,100
>₹50,000₹1,300

Rewards & Lounge access

RewardsVouchers redeemable on premium brands on meeting spend milestones
Lounge accessNot applicable
NetworkVisa
CategoryPremium
Card typeRetail

Key features

  • Vouchers redeemable on premium brands on meeting spend milestones
  • Rs.1,500 voucher on Rs.30,000 spend within 60 days