Biz Credit Card

Rewards, as stated by the issuer

• Earn 4 reward points for every Rs.100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts*
• Earn 1 reward points for every Rs.100 on all other spends^
• Refer to the below table for categories related to accelerated reward points**.
• Reward points
• *Posting of the Reward points earned on all transactions done within a billing cycle will reflect in that respective month’s statement.
• **Each category mentioned in the above table has a Merchant category code (MCC) which are defined by Visa. Transactions on all merchants having the above MCCs will be applicable for accelerated reward points.
• With effect from 01st June 2025, cash value for redemption will be revised from ₹0.25 to ₹0.20 per reward point. For redemption against categories like Mobile Recharge, Shopping, etc, 1 Reward Point = ₹0.25
• A minimum of ₹2,000 Reward Points will be required for cash value redemption
• ^On wallet loading, fuel, rent and online-based gaming, reward points are not applicable
• For further details on reward points, categories they can be earned on, and the capping for each category, please read the Most Important Terms & Conditions .
• Spend with the Corporate Platinum Credit Card and earn higher reward points
• Earn up to 8X Reward Points on every Rs.150 spent across all categories
• Cashback of 5%# on our Exclusive Partners that are Swiggy, Swiggy Instamart, PVR, Cleartrip, Urban Company

Other benefits

• Welcome to a business-class experience
• Travel Insurance programme:
• Card Liability Cover
• Valuable Documents Cover
• Click here for insurance policy details & Claim process
• and get your credit card deactivated / blocked to prevent misuse and register a claim with the Insurance Company.
• Interest Free period Upto 48 days
• Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
• Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.
• Do I enjoy any interest free period on retail?
• Yes, you enjoy an interest free period on retail transactions of up to 48 days.
• Instant Discount of 7.5%* on Myntra

Lounge access

Domestic: Get complimentary access to select domestic airport lounges per calendar quarter on spends of Rs. 75, 000 or more in the previous calendar quarter

Eligibility

Every fee line found on the page

• In case of transactions of Rs. 500 to Rs. 5000, 1% fuel surcharge will be waived. The maximum fuel surcharge waiver of Rs. 2500 is available in a calendar year.
• Save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters.
• The maximum railway surcharge waiver that is allowed in a calendar year is Rs.500/-.
• Joining Fee: Rs 299
• Annual Fee: Rs 499