Credit Card Compare

Kotak League Platinum Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹499
Annual fee
5,000
Bonus points

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Application

CardIQ

33Basic

Basic

Overall score, out of 100 · How this works

  • Rewards38
  • Sign-up bonus27

Customer reviews

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Pros & cons

What's good

  • 5,000 bonus points to start, worth around ₹1,250 at our ₹0.25-per-point valuation.
  • The ₹499 annual fee is low: it undercuts the ₹749 median.
  • Earns 8 Reward Points per ₹150 on bonus categories.
  • Up to 51 interest-free days on purchases, longer than most cards.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹499 + GST or Nil depending on variant; Annual fee ₹499 + GST waived on minimum retail spends of ₹50,000 in a year. Add-on card fee: Waived. GST not included in stated amounts.
  • Earns 4 Reward Points per ₹150 on everyday spend, around the dataset average.
  • Requires a minimum income of ₹5,00,000 a year.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Kotak Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹5,00,000 p.a.
Residency
Should be a resident of India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹499 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 51 days on purchases
Minimum repayment
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
4 Reward Points per ₹150
Bonus categories
8 Reward Points per ₹150 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
5,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days51 daysTied for best (1st of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Annual fee₹499 a yearBetter than most (27th of 91 cards)
Rewards value₹3,600 a yearBetter than most (19th of 61 cards)
Sign-up bonus₹1,250Better than most (12th of 37 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Kotak Mahindra Bank