MyFinCards
Kotak Infinite Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

2% + GST

INTERNATIONAL
Kotak Bank
Lifestyle
Rewards
Best For: Golf enthusiasts, High net worth individuals, Kotak Private Banking clients, Luxury lifestyle seekers

Kotak Infinite Credit Card

Rewards Structure

Base Reward Rate

800% on spends

Point Value

1 Point = ₹1

Earning Cap

₹800 /monthly

Pros

  • No joining or annual fee
  • Personalised card design with cardholder illustration
  • Golf privileges at top courses in India and worldwide
  • 800 free reward points every month
  • Premium concierge services
  • Low foreign currency markup of 2%
  • Minimum credit limit of Rs. 10 Lakhs

Cons

  • Invite-only card, not available to general public
  • Restricted to Kotak Private Banking clients
  • Limited city availability
  • Discontinued for new sourcing (existing cardholders only)

Hidden Catches (Transparency Policy)

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

Golf guest privileges only once per quarter

Fuel surcharge waiver capped at INR 4,500 per calendar year

Railway surcharge waiver capped at INR 500 per calendar year

Credit limit increase above assigned limit is at bank's discretion

Card discontinued for new sourcing

Key Benefits & Features

1.8% to 2.5% railway surcharge waiver on IRCTC bookings; max waiver INR 500 per calendar year

Eligibility Criteria

0

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED
Official Terms & Conditions

About Kotak Infinite Credit Card

The Kotak Infinite Credit Card is an exclusive, invite-only credit card specifically designed for Kotak Private Banking clients who settle for nothing but the best. Tailored for top-tier customers with high spending power and discerning lifestyles, the card features a truly personalized touch — each card carries a unique, hand-crafted illustration of the cardholder's image on its face. With a minimum credit limit of Rs. 10 Lakhs and options for instant credit limit increases, this card is built to support a life of luxury and high-value spending. The card delivers an impressive suite of premium benefits, including complimentary golf tee-offs at some of India's and the world's finest golf courses — two rounds per month for the cardholder, plus two complimentary guest rounds once per quarter. Cardholders also enjoy 800 bonus reward points monthly, four complimentary domestic lounge visits per quarter, and access to premium concierge services covering hotel reservations, flight ticketing, event bookings, and spa referrals. Additional perks include a 1% fuel surcharge waiver, railway surcharge waivers, a competitive 2% foreign currency markup fee, and multiple reward redemption options such as cash, airline tickets, air miles, and luxury brand vouchers. With no joining or annual fees, the Kotak Infinite Credit Card represents the pinnacle of exclusive, lifestyle-first banking for India's most distinguished clientele.

Expert Review

Our Verdict

Invite-only luxury card for Kotak Private Banking clients with golf privileges, concierge & personalized design.

Frequently Asked QuestionsAbout Kotak Infinite Credit Card

ELIGIBILITYWho is eligible to apply for the Kotak Infinite Credit Card?
The Kotak Infinite Credit Card is an invite-only card exclusively available to Kotak Private Banking (Wealth Management) clients. The primary cardholder must be between 21 and 65 years of age and a resident of India. Add-on cardholders must be 18 years or above. Additionally, the card is currently available only in select cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.
FEESWhat are the joining and annual fees for the Kotak Infinite Credit Card?
The Kotak Infinite Credit Card has no joining fee and no annual fee — both are completely waived. There are also no charges for add-on cards. This makes it a truly premium, cost-free card in terms of membership fees, though other applicable charges such as interest on outstanding balances and cash advance fees may still apply as per the fee schedule.
APPLICATIONIs the Kotak Infinite Credit Card still available for new applicants?
No, the Kotak Infinite Credit Card (also referred to as the Wealth Infinite Credit Card) has been discontinued for new sourcing. The card information and benefits are displayed only for existing cardholders. If you are looking for a new premium credit card, Kotak Bank recommends exploring their other active products such as the White Reserve Credit Card, which offers comparable lifestyle and luxury benefits.
BENEFITSWhat golf benefits does the Kotak Infinite Credit Card offer?
The Kotak Infinite Credit Card offers complimentary golf privileges at some of the finest golf courses in India and worldwide. Cardholders receive 2 complimentary rounds of golf per month. Additionally, you can invite two friends for a complimentary round once every quarter. To book a round of golf, you can visit www.kotak.golftripz.com. Terms and conditions apply; please refer to the cardholder agreement for full details of the golf program.
REWARDSHow many reward points do I earn each month with the Kotak Infinite Credit Card?
With the Kotak Infinite Credit Card, you receive 800 complimentary reward points worth ₹800 every month, credited automatically to your account. These points can be redeemed for a variety of options including cash, airline tickets, air miles, movie tickets, mobile recharge, branded merchandise, and luxury brand vouchers. Note that crediting of reward points in lieu of 2 free PVR tickets is an interim change in the card's feature.
BENEFITSWhat is the minimum credit limit on the Kotak Infinite Credit Card?
The Kotak Infinite Credit Card comes with a minimum credit limit of ₹10 Lakhs, reflecting its premium positioning for high-net-worth individuals. Additionally, an instant credit limit increase option is available to support big purchases through an additional spending limit. However, any limit increase above your assigned credit line is offered at the bank's discretion on a case-to-case basis, taking your spend and payment pattern into consideration.
BENEFITSWhat lounge access benefits does the Kotak Infinite Credit Card provide?
Kotak Infinite Credit Card holders enjoy 4 complimentary domestic lounge visits every quarter at select airport lounges across India. This benefit allows cardholders to relax and refresh at premium airport lounges before their flights. For a complete list of eligible lounges and details on how to access them, cardholders can refer to the official Kotak Bank website or contact customer support.
BENEFITSWhat concierge services are available with the Kotak Infinite Credit Card?
The Kotak Infinite Credit Card offers premium concierge services that provide instant assistance for a range of lifestyle needs. These include arranging hotel and dining reservations, flight ticketing assistance, booking tickets for special events and performances, spa and fitness centre information, and referral assistance. To book or for any queries, you can call +91 1135124242 or write to kotakconcierge@crib-life.com. The service is available from 10 AM to 8 PM on all days.
INTERNATIONALWhat is the foreign currency markup fee on the Kotak Infinite Credit Card?
The Kotak Infinite Credit Card charges a foreign currency markup fee of 2% on international transactions, effective from 16th October 2019. This is relatively low compared to the standard industry rate of 3.5%, making it a cost-effective option for international spending. This low forex markup fee helps cardholders save significantly on overseas purchases, travel bookings, and foreign currency transactions.
BENEFITSAre there any fuel or railway surcharge waivers on the Kotak Infinite Credit Card?
Yes, the Kotak Infinite Credit Card offers both fuel and railway surcharge waivers. A 1% fuel surcharge waiver applies at all petrol pumps in India for transactions between ₹400 and ₹7,500, with a maximum waiver of ₹4,500 per calendar year. For railway bookings on www.irctc.co.in or at Indian Railways counters, a surcharge waiver of 1.8% to 2.5% is applicable, with a maximum waiver of ₹500 per calendar year.
USAGEHow can I redeem reward points earned on the Kotak Infinite Credit Card?
Reward points on the Kotak Infinite Credit Card can be redeemed in multiple ways: cash, airline tickets, air miles, movie tickets, mobile recharge, branded merchandise, and luxury brand vouchers. To redeem, visit www.kotak.bank.in, log in to Net Banking using your CRN, password, and OTP, go to Credit Cards, and select your preferred Reward Redemption option. For redemption against airline tickets, merchandise, or mobile recharge, reward points must first be converted to Easy Points (1 Reward Point = 1 Easy Point = 2 Air Miles).
FEESWhat is the interest rate charged on outstanding balances for the Kotak Infinite Credit Card?
The Kotak Infinite Credit Card charges an interest rate of 3.10% per month on outstanding balances, which amounts to an annualized rate of 37.2%. This applies when the full outstanding amount is not paid by the due date. To avoid interest charges, it is advisable to pay your full statement balance before the payment due date each month. Cash advance transactions also attract a fee of ₹300 per ₹10,000 or part thereof.
FEESWhat late payment charges apply to the Kotak Infinite Credit Card?
Late payment charges on the Kotak Infinite Credit Card are based on the outstanding amount due: no charge for amounts below ₹100; ₹100 for dues between ₹100–₹500; ₹500 for ₹501–₹5,000; ₹600 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; and ₹1,200 for amounts above ₹50,000. To avoid these charges, ensure timely payment of at least the Minimum Amount Due (MAD) before the due date.
BENEFITSWhat makes the Kotak Infinite Credit Card design unique?
The Kotak Infinite Credit Card features a truly personalized design — it is crafted with a unique hand-illustrated image of the cardholder on the face of the card. This bespoke design reflects the card's exclusive nature and is tailored specifically for top-of-the-pyramid customers. This level of personalization ensures that no two Kotak Infinite Credit Cards look alike, making it a one-of-a-kind card that reflects the individuality and status of the cardholder.
FEESAre there any charges waived on the Kotak Infinite Credit Card apart from joining and annual fees?
Yes, several charges are waived on the Kotak Infinite Credit Card beyond the joining and annual fees. These include: over-limit charges, fee for cash payment at branch, outstation cheque processing fee, reissue/replacement card fee, charge slip request fee, machine surcharge at ATMs, balance enquiry charges at non-parent bank ATMs, duplicate statement request fee, web pay service fee, and railway booking surcharge. This comprehensive waiver policy ensures minimal ancillary costs for cardholders.

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