Joining Fee

Free

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 0.5 Lakhs)

Kotak Bank

Rewards

Lifestyle

Travel

Best For: Privy banking customers seeking lifestyle and travel benefits, Frequent international travelers, Shoppers wanting rewards on apparel, grocery and departmental stores

Privy League Signature Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.2

Earning Cap

₹300 /monthly

Points Validity

24 Months

Pros

Up to 5X reward points on select categories (apparel, grocery, airlines, hotels, etc.)
Complimentary Priority Pass membership for international lounge access
2 free domestic lounge visits per quarter
6400 bonus reward points every quarter (paid card)
1% fuel surcharge waiver across all petrol pumps in India
Premium concierge services available all days
Auto redemption option for reward points

Cons

Card has been discontinued for new applicants
Minimum 2000 reward points required for cash value redemption
Bonus reward points only for paid card variant
Priority Pass card no longer issued; lounges accessed via credit card presentation only

Hidden Catches (Transparency Policy)

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

Fuel surcharge waiver capped at Rs.4500/year (free variant) or Rs.300/month (paid variant)

Railway surcharge waiver capped at Rs.500 per calendar year

Complimentary lounge visits applicable only for primary cardholders

Guest lounge charges revised to $35 per guest per visit

International transactions must be activated via Kotak Mobile App or Net Banking for lounge access

Card discontinued for new sourcing

Key Benefits & Features

Railway surcharge waiver of 1.8% to 2.5% on IRCTC bookings. Max waiver Rs.500 per calendar year.

Balance transfer from other credit cards with processing fee of Rs.349 + service tax per Rs.10,000 and 3-month interest-free period.

Eligibility Criteria

Age Requirement

21+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card

Aadhaar Card

Notable Exclusions

Fuel surcharge waiver only applicable for transactions between Rs.400 and Rs.7500

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Privy League Signature Credit Card

The Kotak Privy League Signature Credit Card is a premium offering exclusively designed for Privy banking customers, combining lifestyle and travel benefits with a rewarding points program. Cardholders can choose between two plans — a Shopper's Plan or a Traveller's Plan — earning 5 reward points per Rs. 100 spent on select categories such as apparels, grocery, airlines, hotels, and international spends, and 2 points on all other retail purchases. Each reward point carries a value of 20 paise and can be redeemed for air tickets, merchandise, movie vouchers, mobile recharges, and more through the easyrewardz platform. Travel perks are a standout feature, with Priority Pass membership granting access to over 1,300 airport lounges across 148 countries, along with 2 complimentary domestic lounge visits every quarter. Paid cardholders are eligible for 6,400 bonus reward points each quarter upon meeting minimum monthly spend requirements. Additional benefits include a 1% fuel surcharge waiver at all petrol pumps in India, railway surcharge waivers on IRCTC bookings, premium concierge services for hotel reservations, flight ticketing, and event bookings, as well as convenient EMI conversion options for purchases above Rs. 2,500. Please note this card has been discontinued for new applications and is available for existing cardholders only.

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