Eligible spend
4 points per ₹150 on eligible spend
KOTAK VISA
League Platinum
Should you get this?
Conditional fit
Why this card
- Up to 8 pts / ₹150 on Special Categories
- You spend on special Categories.
Trade-off
The annual fee (₹499) is waived only when eligible annual spend exceeds ₹50,000.
Annual fee ₹499 per year
Rewards 4 pts / ₹150 base
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend4 pts / ₹150Credited as reward pointsNot stated
Special Categories8 pts / ₹150Credited as reward pointsNot stated
How to avoid the annual fee
Spend threshold for waiver Above ₹50K annual eligible spend required for the waiver
Annual fee is ₹499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Special Categories
8 pts / ₹150
View bonus categories →No reward on
- Fees/charges
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported category terms
- Departmental Stores
- 8 points per ₹150Domestic & international
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹50,000yearAnnual fee waiver
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (4 pts / ₹150). Up to ~1,330 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Base earn
- 4 points per ₹150 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹499
- Joining fee
- ₹499 · verified 7 Jul 2026
- Fee waiver spend
- Above ₹50,000 · verified 7 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹50,000.
- Interest-free period
- Up to 51 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹500–₹4,000.
- Fuel-surcharge waiver capped at ₹3,500 per anniversary year.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Other
- Fees/charges
Latest update
- Annual fee: ₹499.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹50,000 annual spend. Verify eligible spend exclusions before counting on it.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum