Biz Credit Card

The Kotak Biz Credit Card is a VISA Platinum card specifically designed for self-employed professionals, proprietors, and partners of partnership firms looking to manage their business expenses seamlessly. With a modest joining fee of Rs. 299 and an annual fee of Rs. 499, this card delivers meaningful value through a well-rounded set of features tailored to everyday business needs. At the heart of the card is an exciting rewards programme that earns 4 reward points for every Rs. 100 spent on key business categories, including travel and tour operators, domestic airlines, direct marketing and advertising services, supermarkets, and hotel lodging. All other spends earn 1 reward point per Rs. 100. Cardholders also benefit from complimentary domestic airport lounge access each calendar quarter upon meeting the required spend threshold, along with a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 5,000, and railway surcharge waivers on IRCTC transactions. Additional highlights include a comprehensive travel insurance programme covering card liability, flight delays, baggage loss, and connecting flight misses. Enhanced card security is ensured through an embedded EMV chip and 6-digit PIN authentication. Cardholders further enjoy an interest-free period of up to 48 days on retail transactions, making the Kotak Biz Credit Card a practical and rewarding financial tool for business owners on the move.