MyFinCards
Corporate Wealth Signature Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Kotak Bank
Business
Cashback
Best For: Corporate employees with business travel and expense needs, Companies seeking expense management and spend control

Corporate Wealth Signature Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Pros

  • High cashback on spends
  • Interest-free funds up to 48 days
  • 2 complimentary airport lounge visits per quarter
  • Fuel surcharge waiver up to Rs. 3500 per year
  • Railway surcharge waiver up to Rs. 500 per year
  • Company bears professional expenses eliminating cash hassles
  • Consolidated payment for all employee corporate cards
  • Dedicated Service Manager
  • Real-time SMS and email alerts
  • Global acceptance at 10 million merchants

Cons

  • Cash withdrawal feature not active on the card
  • Card is specifically meant for official/corporate purpose

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Personal spends on corporate card must be settled between employee and company

Fuel surcharge waiver capped at Rs. 3500 per calendar year

Railway surcharge waiver capped at Rs. 500 per calendar year

Key Benefits & Features

Railway surcharge waiver on IRCTC and Indian Railways Booking Counter transactions. Max waiver Rs. 500 per calendar year.

Interest-free funds for up to 48 days, similar to an overdraft facility.

Expense management with Kotak Visa Intellilink for vendor-wise tracking and employee spend analysis.

Dedicated Service Manager for personalised service on card details, limits, and lost/stolen cards.

Real-time free SMS and e-mail alerts on all transactions.

International acceptance at 10 million merchants worldwide.

Official Terms & Conditions

About Corporate Wealth Signature Credit Card

The Kotak Corporate Wealth Signature Credit Card is designed to deliver a superior banking experience for corporate employees and companies seeking streamlined expense management. Cardholders can earn high cashback on their spends and benefit from interest-free funds for up to 48 days, functioning similarly to an overdraft facility. The card eliminates the inconvenience of carrying cash, as all corporate expenses are borne directly by the company, making professional spending entirely hassle-free. The card comes packed with travel and lifestyle privileges, including two complimentary airport lounge visits per quarter at select lounges across India, fuel surcharge waivers on transactions between Rs. 500 and Rs. 3,000, and railway surcharge waivers on IRCTC and Indian Railways Booking Counter transactions. Accepted at over 10 million merchants worldwide, this international Visa Signature card is ideal for business travel, sales meets, conferences, and executive meetings. From a company's perspective, the card offers powerful expense management tools through Kotak Visa Intellilink, enabling vendor-wise tracking, employee spend analysis, and customizable card limits distributed by hierarchy or designation. Additional benefits include consolidated billing, a dedicated service manager, real-time SMS and email alerts, and the option to personalize the card with the company name, making it a comprehensive corporate financial solution.

Expert Review

Our Verdict

Corporate card with cashback, lounge access, fuel & railway surcharge waivers, and interest-free funds up to 48 days.

Frequently Asked QuestionsAbout Corporate Wealth Signature Credit Card

OTHERWhat is a credit card balance transfer?
Credit card balance transfer is the process of transferring owed balance from one credit card account to another. Upon carrying out this process, the debt is owed to the new card issuer as opposed to the original card issuer. This can be a useful option if you are looking to consolidate debt or benefit from lower interest rates on a different card.
APPLICATIONWhere can I get the application form for the Corporate Wealth Signature Credit Card and where can I submit it?
To apply for the Kotak Corporate Wealth Signature Credit Card, you can write to service.corporatecard@kotak.com with the following details: Name of your Entity, Name of the contact person, Contact details, and Number of cards required. A Sales Representative from Kotak will then get back to you to assist with the application process.
USAGECan I use the Corporate Wealth Signature Credit Card for personal expenses?
This card is specifically meant for official/corporate purposes. However, you may use it for personal expenses depending on your company's policy regarding the Corporate Card Option. Please note that the consolidated bill will include any personal spends made on the corporate card, and expenses for personal use will need to be settled between you and your company.
USAGEIs the cash withdrawal feature active on the Corporate Wealth Signature Credit Card?
No, the cash withdrawal feature is not active on the Kotak Corporate Wealth Signature Credit Card. This card is designed exclusively for corporate and business-related transactions such as Sales Meets, Conferences, Association Meetings, and Business & Executive Meetings. Cardholders should plan their expenses accordingly and use alternate arrangements for cash needs.
REWARDSWhat cashback and rewards benefits does the Corporate Wealth Signature Credit Card offer?
The Kotak Corporate Wealth Signature Credit Card offers high cashback on spends made through the card. Cardholders can redeem their cashback points every quarter by simply calling the Customer Service Desk. The cash rebate will be credited in your next billing cycle after redemption. This makes it a rewarding option for companies looking to maximize value on corporate expenditures.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
The Kotak Corporate Wealth Signature Credit Card offers a fuel surcharge waiver applicable on transactions between Rs. 500 and Rs. 3,000. The maximum fuel surcharge waiver allowed in a calendar year is Rs. 3,500. This benefit helps businesses and employees save significantly on fuel-related expenses incurred during official travel and work-related activities.
BENEFITSWhat is the railway surcharge waiver benefit on this card?
The Corporate Wealth Signature Credit Card provides a railway surcharge waiver on transactions made on www.irctc.co.in as well as at Indian Railways Booking Counters. The maximum railway surcharge waiver allowed in a calendar year is Rs. 500. This benefit is particularly useful for employees who frequently travel by train for official purposes.
BENEFITSDoes the Corporate Wealth Signature Credit Card offer airport lounge access?
Yes, the Kotak Corporate Wealth Signature Credit Card offers 2 complimentary visits every quarter to select airport lounges in India. Cardholders can enjoy benefits such as gourmet meals, comfortable seating, widescreen TVs, newspapers and magazines, and free Wi-Fi. This is an excellent perk for business travelers who frequently use airports for corporate travel.
BENEFITSHow does the interest-free funds feature work on this card?
The Kotak Corporate Wealth Signature Credit Card provides interest-free funds for up to 48 days, similar to an overdraft facility on credit cards. This allows companies and employees to manage short-term cash flow needs efficiently without incurring interest charges during this period. It is a valuable feature for handling corporate expenses in a timely and cost-effective manner.
USAGEHow is expense management handled for multiple employees using corporate cards?
The card supports expense management through Kotak Visa Intellilink, which allows companies to budget expenses based on corporate card spends with vendor-wise tracking by employees. Statistical data can be retrieved at any time to analyze how much each employee has spent and where. Additionally, only one consolidated payment needs to be made for all employee corporate credit cards, simplifying the payment process.
BENEFITSCan the corporate card be customized with the company name?
Yes, the Kotak Corporate Wealth Signature Credit Card can be personalized with your company name. This customization serves as a key differentiator between corporate and personal cards, making it easier for employees and companies to manage and identify corporate expenses. It also reinforces the professional identity of your organization during business transactions.
OTHERHow is the credit limit decided for corporate cards?
The company receives an overall spend limit, which can be distributed among employees based on hierarchy, designation, or the employer's discretion. This gives companies full control over individual employee spending, helping manage budgets effectively. The flexibility in limit distribution ensures that spending is aligned with each employee's role and responsibility within the organization.
INTERNATIONALIs the Corporate Wealth Signature Credit Card accepted internationally?
Yes, the Kotak Corporate Wealth Signature Credit Card is an International Signature Corporate Credit Card with global acceptance at over 10 million merchants worldwide. This makes it an ideal card for companies with employees who travel internationally for business, as it ensures seamless transactions across the globe without the inconvenience of carrying foreign currency.
BENEFITSWhat security features are available on the Corporate Wealth Signature Credit Card?
The Kotak Corporate Wealth Signature Credit Card provides real-time SMS and email alerts on all transactions, ensuring that both employees and the company are immediately informed of every spend. Additionally, a Dedicated Service Manager is available to provide personalized assistance on card details, card limits, and in case of lost or stolen cards, ensuring quick resolution and peace of mind.
FEESWhat are the joining and annual fees for the Corporate Wealth Signature Credit Card?
The Kotak Corporate Wealth Signature Credit Card does not have a publicly listed joining fee or annual fee. For the most accurate and up-to-date information on fees and charges, it is recommended to visit the official Kotak Bank website's Fees and Charges section for this card, or write to service.corporatecard@kotak.com to get details specific to your company's requirements.

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