Tips to choose the best Kotak Mahindra Credit Card

by Sanjana Mehta Insurance Advisor

If you are exploring options to apply for a new credit card, you can certainly check out the top cards offered by Kotak Mahindra Bank. The features and benefits offered by these cards should certainly enhance your experience of using credit cards. Here are the top 5 Kotak Mahindra credit cards.

Kotak Royale Signature Credit Card
Kotak PVR Platinum Credit Card
Kotak Essentia Platinum Credit Card
Kotak Delight Platinum Credit Card

Kotak Royale Signature Credit Card

Best for: Individuals who seek premium lifestyle privileges, particularly while travelling.

What makes it special?

Complimentary access to lounges at domestic airports and the option to avail all the facilities available there.
4X reward points for every Rs.150 spent on dining, travel, airlines, and international spends.
2X reward points for every Rs.150 spent on all other categories.
A cover of Rs.2.50 lakh against fraudulent usage of the card.
Priority assistance from Kotak Mahindra Bank.

Kotak PVR Platinum Credit Card

Best for: Movie buffs who prefer watching movies at theatres.

What makes it special?

2 free movie tickets from PVR every month on spending at least Rs.10,000 in a monthly billing cycle.
A cover of Rs.75,000 against fraudulent usage of the card.
1 PVR voucher code on the first swipe of the card.
Add-on cards come with all the benefits as the primary card.

Kotak Essentia Platinum Credit Card

Best for: People who use their credit cards for their grocery purchases and spends at departmental stores.

What makes it special?

For transactions between Rs.1,500 and Rs.4,000 at departmental stores and groceries, it gives 10 Saving Points on every Rs.100. The value of each point stands at Re.1. The maximum number of points that can be earned per month is 500.
1 Saving Point on every Rs.250 spent on other categories.
Spend Rs.1.25 lakh every 6 months to get 1200 Reward Points or 6 free PVR tickets.
Priority assistance from Kotak Mahindra Bank.

Kotak Delight Platinum Credit Card

Best for: People using credit cards for spending on lifestyle categories like fuel, dining, travel, etc.

What makes it special?

10% cashback on using the card for movie ticket bookings and dining expenses.
Spend Rs.1.25 lakh every 6 months to get Rs.750 cashback or 4 free PVR tickets.
A cover of Rs.1.25 lakh against fraudulent usage of the card.
Fuel surcharge waiver on fuel transactions between Rs.400 and Rs.4,000.

Kotak credit card reward points program allows customers to redeem their accrued reward points for gifts, vouchers, tickets, movies and much more from the online catalogue. Apart from the best features listed here for each card, you would get all other common benefits that any regular credit card offers. These include fuel surcharge waiver, balance transfer facility, attractive EMI options, and several others.

Before zeroing in on any card, carry out an elaborate analysis of all the options and then take a call. The above-listed points would help you in conducting your research to arrive at the best credit card for yourself.