Is there a joining fee?

No, the Kotak Infinite Credit Card has no joining fee.

What is the annual fee and can it be waived?

Annual fee is ₹25,000 and is waived on spends above ₹10 lakh annually.

What are the income eligibility criteria?

Minimum gross monthly income of ₹3 lakh for salaried individuals.

Does this card offer lounge access?

Yes, unlimited domestic and international lounge access with guests.

What is the cash advance fee on this card?

Cash advance fee is 2.5% of the transaction amount, minimum ₹300.

Credit Cards/Kotak Mahindra Bank/Kotak Infinite Credit Card

Kotak Infinite Credit Card

Kotak Mahindra Bank

4.8

Expert Rating

fuel grocery restaurants e-commerce travel

Annual Fee

₹0

joining fee

₹0

Forex Fee

The Kotak Infinite Credit Card is designed for premium users, offering a high credit limit, impressive reward points on travel and dining, and exclusive lounge access. Enjoy superior benefits including unlimited lounge visits and milestone bonuses that enhance your lifestyle spending.

Features of Kotak Infinite Credit Card which makes it unique

Smart EMI

Instant EMI conversion at checkout

Flexible repayment

faster than peers

Spend Analyzer

Track monthly expenses by category

Better budgeting

AI-based

Rewards Structure of Kotak Infinite Credit Card

Travel

accelerated

flight and hotel bookings

Reward Rate:10 pts/₹100

Monthly Cap:no

Earn 10x points on travel

Dining

accelerated

restaurants only

Reward Rate:5 pts/₹100

Monthly Cap:no

Earn 5x points on dining

Shopping

base

all merchants

Reward Rate:2 pts/₹100

Monthly Cap:no

Standard earn rate

Milestones of Kotak Infinite Credit Card

Quarterly Milestone

₹1,50,000 : ₹1,500 cashback

Annual Milestone

₹10,00,000 : Exclusive travel voucher worth ₹10,000

Fees & Charges of Kotak Infinite Credit Card

Fee & Amount	Fee Value
Joining Fee	0
Annual Fee	0
Forex Markup Fee	2%
Cash Advance Fee	2.5%
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	3%

Renewal Conditions:Annual fee waiver on spends above ₹10 lakh

Fee Explanation Standard bank rates apply for overdue amounts.

Lounge Access Benefits with Kotak Infinite Credit Card

domestic Lounges

silver

Visits per year: 8

Guest access: Yes

Valid for primary and add-on cardholders

international Lounges

silver

Visits per year: 4

Guest access: Yes

Priority Pass access

Insurance Coverage

travel insurance

₹15,00,000

Valid on international trips

purchase protection

₹1,00,000

Within 90 days of purchase

Additional Features of Kotak Infinite Credit Card

Contactless Payments

Tap and pay enabled

Add-on Cards

Up to 4 free add-on cards

Application Process for Kotak Infinite Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via Kotak Mahindra Bank website

Upload KYC and income documents

Receive verification call

Card dispatched within 7 business days

Required Documents for Kotak Infinite Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16