MyFinCards
Privy League Signature Credit Card

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

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.

Expert Review

Our Verdict

Premium lifestyle card for Privy customers with 5X rewards, airport lounge access & concierge services.

Frequently Asked QuestionsAbout Privy League Signature Credit Card

OTHERIs the Kotak Privy League Signature Credit Card still available for new applicants?
No, the Kotak Privy League Signature Credit Card has been discontinued for new applicants. Kotak Mahindra Bank no longer accepts new applications for this card. The information on the page is maintained exclusively for existing cardholders. If you are looking for a credit card, you may explore other active Kotak credit card products such as the League Platinum Card or Kotak 811 Credit Card, which offer attractive features and benefits.
ELIGIBILITYWho is eligible for the Privy League Signature Credit Card?
The Privy League Signature Credit Card was offered exclusively to Privy League customers of Kotak Mahindra Bank. It was a premium card designed for select banking customers who maintained a privileged relationship with the bank. Since the card has been discontinued for new sourcing, eligibility criteria are no longer applicable for new applicants. Existing cardholders can continue to use their cards and enjoy the associated benefits.
REWARDSHow many reward points can I earn with the Privy League Signature Credit Card?
With the Privy League Signature Credit Card, you can earn up to 5 reward points for every ₹100 spent on select categories. Under the Shopper's Plan, 5 points are earned on apparels, grocery, consumer durables, multi-brand online stores, and departmental stores. Under the Traveller's Plan, 5 points are earned on airlines, hotels, duty-free, international spends, and travel agencies. For all other retail spends, you earn 2 reward points per ₹100 spent.
REWARDSWhat is the value of each reward point on the Privy League Signature Credit Card?
Each reward point earned on the Privy League Signature Credit Card is valued at 20 paise. This means 100 reward points equal ₹20 in value. For cash value redemption, a minimum of 2,000 reward points is required, which translates to a minimum cash value of ₹400. Reward points can also be redeemed for air tickets, merchandise, mobile recharges, movie vouchers, and more through the Easyrewardz platform.
USAGEWhat is the auto redemption feature for reward points?
The Privy League Signature Credit Card offers an auto redemption option for reward points. Every time you accumulate 400 reward points, ₹80 gets automatically credited to your account every 3 months. This means you don't have to manually redeem your points — the equivalent cash value is directly applied to your credit card account, making it a convenient way to benefit from your everyday spending without any extra effort.
USAGEHow can I redeem my reward points on the Privy League Signature Credit Card?
Reward points on the Privy League Signature Credit Card can be redeemed through the Easyrewardz platform by converting Privy League Credit Card points into Easy Points. Redemption options include air tickets, merchandise, mobile recharges, and BookMyShow vouchers. For example, a ₹200 BookMyShow voucher requires 800 points, and ₹500 in Easy Reward Points requires 1,000 points. You can also opt for auto redemption, where ₹80 is credited to your account for every 400 points accumulated. A minimum of 2,000 reward points is required for cash value redemption.
BENEFITSWhat lounge access benefits does the Privy League Signature Credit Card offer?
The Privy League Signature Credit Card provides international lounge access through a complimentary Priority Pass membership, giving access to over 1,300 VIP lounges across 148 countries and 600 cities. The paid card variant includes 4 complimentary visits annually. Additionally, cardholders get 2 complimentary domestic lounge visits per quarter at select lounges across India. Effective June 20, 2023, international lounges can be accessed by simply presenting the credit card — a Priority Pass card is no longer required. A validation charge of $1.00 will be debited and auto-reversed within 7 working days.
REWARDSWhat are the bonus reward points benefits on the Privy League Signature Credit Card?
Bonus reward points are available exclusively for the paid card variant of the Privy League Signature Credit Card. If you spend a minimum of ₹1,000 every month within a quarter, you are eligible to receive 6,400 bonus reward points for that quarter. For example, if you spend ₹1,000 each in April, May, and June, you will receive 6,400 extra reward points in July. This benefit does not apply to the free card variant.
BENEFITSIs there a fuel surcharge waiver on the Privy League Signature Credit Card?
Yes, the Privy League Signature Credit Card offers a 1% fuel surcharge waiver across all petrol pumps in India. The waiver applies to transactions between ₹400 and ₹7,500. The maximum fuel surcharge waiver is ₹4,500 per calendar year for the free card variant and ₹300 per month for the paid card variant. This benefit helps cardholders save on fuel costs with every eligible fuel transaction made using the card.
BENEFITSWhat concierge services are available with the Privy League Signature Credit Card?
The Privy League Signature Credit Card provides access to premium concierge services available all days of the week. Services include hotel and dining reservations, flight ticketing assistance, booking tickets for special events and performances, spa and fitness centre information, and referral assistance. To avail these services, cardholders can call +91 1135124242 or write to kotakconcierge@crib-life.com. The concierge service is available from 10 AM to 8 PM on all days.
BENEFITSDoes the Privy League Signature Credit Card offer a railway surcharge waiver?
Yes, the Privy League Signature Credit Card offers a railway surcharge waiver of 1.8% to 2.5% when you book tickets on www.irctc.co.in or through an Indian Railways booking counter. The maximum railway surcharge waiver allowed in a calendar year is ₹500. This benefit helps frequent train travelers save on the additional surcharge typically applied during railway ticket bookings.
USAGECan I convert purchases to EMI using the Privy League Signature Credit Card?
Yes, the Privy League Signature Credit Card allows you to convert any purchase above ₹2,500 into easy EMIs. This feature provides flexibility in managing large expenses by spreading the payment over monthly installments. For more details on applicable EMI tenures, interest rates, and processing fees, existing cardholders can contact Kotak Mahindra Bank's customer support or visit the official Kotak Bank website.
USAGECan I transfer my outstanding balance from another credit card to the Privy League Signature Credit Card?
Yes, the Privy League Signature Credit Card offers a balance transfer facility. You can transfer outstanding amounts from other credit cards to your Privy League Visa Signature Credit Card with a processing fee of ₹349 plus applicable service tax per ₹10,000 transferred. The balance transfer comes with a 3-month interest-free period, giving you time to manage your repayments without incurring additional interest during that period.
FEESWhat are the joining and annual fees for the Privy League Signature Credit Card?
The Privy League Signature Credit Card is available in two variants — a free card and a paid card. Specific fee details are not publicly listed on the card page, as the card has been discontinued for new applicants. The paid card variant offers additional benefits such as 6,400 bonus reward points per quarter and a paid Priority Pass membership with 4 complimentary lounge accesses annually. Existing cardholders can check their fee structure through Kotak Netbanking or by calling the toll-free helpline at 1800 4100.
INTERNATIONALHow do I access international airport lounges with the Privy League Signature Credit Card after June 2023?
Effective June 20, 2023, international airport lounges can be accessed by simply presenting your Kotak Privy League Signature Credit Card — the Priority Pass card is no longer required. A visit validation charge of $1.00 will be debited at the time of access and automatically reversed to your card within 7 working days. To enable lounge access, ensure that international transactions (both online and in-store/POS) are activated via the Kotak Bank Mobile App or Net Banking before your visit.

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