Privy League Signature Credit Card
Kotak Mahindra Bank
Expert Rating
₹2,500
₹2,500
2%
12 visits/yr
Contents
The Privy League Signature Credit Card offers exclusive premium benefits, accelerated rewards, and global acceptance to enhance your lifestyle. Enjoy up to 5X reward points in your chosen category, complimentary lounge access, and milestone bonuses. With low forex markup and strong travel coverage, it's designed for frequent spenders and travelers.
Features of Privy League Signature Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkouts
Flexible repayment options
Faster EMI processing than most Indian cards
Spend Analyzer
Automatically tracks and categorizes monthly spends for easy budgeting
Better financial management
AI-based spend tracking unique to Kotak cards
Rewards Structure of Privy League Signature Credit Card
Shopping (Shoppers’ Plan)
acceleratedApparel, department stores, jewellery, consumer durables, restaurants
Earn up to 5X points on eligible retail shopping.
Travel (Travellers’ Plan)
acceleratedAirlines, hotels, international spends, travel agencies, restaurants
5X points on select travel and hotel spends.
Base
baseAll other merchants
Standard earn rate for all non-category spends.
Milestones of Privy League Signature Credit Card
Quarterly Milestone
₹1,00,000 per quarter : 4 PVR movie tickets or 1,600 reward points
Annual Milestone
₹8,00,000 per year : 30,000 bonus reward points
Fees & Charges of Privy League Signature Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹5,00,000 spend in the previous year.
Fee Explanation Standard charges apply on overdue or delinquent accounts as per bank policy.
Lounge Access Benefits with Privy League Signature Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
8 free domestic visits per year for primary cardholder
international Lounges
silverVisits per year: 4
Guest access: Yes
Priority Pass membership; 4 free international visits annually
Insurance Coverage with Privy League Signature Credit Card
travel insurance
₹10,00,000Valid for international flight tickets purchased on this card
purchase protection
₹50,000Valid for 90 days from purchase date
Additional Features of Privy League Signature Credit Card
Contactless Payments
Tap-and-pay enabled; supports NFC terminals
Add-on Cards
Get up to 3 free add-on cards
Welcome Bonus with Privy League Signature Credit Card
Welcome Bonus: 12,000 Reward Points
Bonus Conditions: Welcome bonus for first-time cardholders only. Bonus credited on first eligible transaction within 30 days.
Application Process for Privy League Signature Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online on Kotak Mahindra Bank’s official website or Finanjo portal
Upload required KYC documents
Verification call from Kotak team
Card dispatched within 5-7 business days
Required Documents for Privy League Signature Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Privy League Signature Credit Card Merchant Acceptance Network
Domestic Acceptance
Accepted widely across India, both online and offline
International Acceptance
Accepted globally at Visa merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Privy League Signature Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
720+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Must have a valid PAN and Aadhaar card. Only for Kotak Privy League customers.
How Approval Is Decided
- Minimum income of ₹30,000 (salaried) or ₹50,000 (self-employed) per month
- Valid Indian address, PAN, Aadhaar
- Credit score of at least 720
- Privy League banking customer status
Pros of Privy League Signature Credit Card
- Accelerated rewards in your preferred categories
- Multiple complimentary lounge visits worldwide
- Lucrative milestone bonuses annually
Cons of Privy League Signature Credit Card
- Annual fee is high unless waived
- Reward redemptions have fixed conversion rate
Frequently Asked Questions about Privy League Signature Credit Card
What is the joining fee for the Privy League Signature Credit Card?
The joining fee is ₹2,500 plus taxes, waived for select Privy League customers based on eligibility.
How can I get the annual fee waived?
Spend ₹5,00,000 or more in the previous year to get the annual fee waived.
How do I redeem reward points?
Points can be redeemed for statement credit, flight and hotel bookings, or gift vouchers via Kotak Rewards portal.
How many lounge visits are included?
You get 8 complimentary domestic and 4 complimentary international lounge visits (paid variant only) every year.
Which spending categories earn accelerated rewards?
Shopping at apparel, restaurants, and travel spending on airlines or hotels fetch up to 5X reward points through the chosen reward plan.
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