Kotak Privy League Signature Credit Card
Kotak Mahindra Bank
Last updated: Feb 03, 2026
₹2,500
₹0
1.99%
8 visits/yr
Contents
Kotak Privy League Signature is a premium rewards credit card for Kotak Privy customers offering elevated reward rates, milestone bonuses and lounge access. It suits customers who spend on dining, travel and lifestyle and want concierge-style privileges. Expect a mix of complimentary domestic lounge access and priority partner benefits tied to spending thresholds.
Features of Kotak Privy League Signature Credit Card which makes it unique
Milestone Rewards
Bonus reward points on achieving spend thresholds
Extra value for high spenders
Competitive with other premium Kotak offerings
Privy Relationship Benefits
Exclusive offers for Kotak Privy customers
Enhanced privileges and customised offers
Not available to standard retail customers
Rewards Structure of Kotak Privy League Signature Credit Card
Dining
baseRestaurants and dining merchants
Travel
acceleratedAirline and hotel bookings
Base
baseAll
Milestones of Kotak Privy League Signature Credit Card
Quarterly Lounge Milestone
₹75,000 per quarter : Complimentary lounge access next quarter
Annual Reward Milestone A
₹4,00,000 per year : 10,000 bonus Reward Points
Annual Reward Milestone B
₹8,00,000 per year : 30,000 bonus Reward Points
Fees & Charges of Kotak Privy League Signature Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹2,500 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:May have fee waiver or lower fee on meeting milestone or relationship criteria; refer to bank terms.
Fee Explanation Standard bank rates and fee schedule apply; interest and finance charges are per Kotak's published T&Cs.
Detailed Explanation of Kotak Privy League Signature Credit Card Fees
Annual Fee: 2500 (yearly)
Paid variant; free variant may exist for select Privy customers
Joining Fee: 0 (one-time)
Standard Kotak onboarding
Cash Advance Fee: 2.5% (transaction)
Minimum transaction conditions apply
Lounge Access Benefits with Kotak Privy League Signature Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary lounge access subject to spends and Privy variant
international Lounges
silverVisits per year: 4
Guest access: Yes
Priority Pass visits available on premium variant or with membership activation
Insurance Coverage with Kotak Privy League Signature Credit Card
Travel Insurance
₹10,00,000Valid for international trips under specified criteria
Purchase Protection
₹50,000Cover within 90 days of purchase as per T&Cs
Additional Features of Kotak Privy League Signature Credit Card
Contactless Payments
Visa payWave enabled
Add-on Cards
Add-on cards available; limits depend on primary account
Welcome Bonus with Kotak Privy League Signature Credit Card
Welcome Bonus: 10,000 Reward Points
Bonus Conditions: Bonus valid for Privy customers; check Kotak terms for exact spend and timeframe.
Application Process for Kotak Privy League Signature Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Kotak Privy portal or Finanjo application link
Upload KYC and income documents
Receive verification call or branch confirmation
Card dispatched as per Kotak timelines
Required Documents for Kotak Privy League Signature Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Kotak Privy League Signature Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Kotak Privy League Signature Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must hold a Privy relationship with Kotak; add-on cardholders may have separate criteria.
How Approval Is Decided
- Minimum income ₹30,000/month (indicative)
- Must be Privy customer or meet relationship criteria
- Credit score generally above 700
Pros of Kotak Privy League Signature Credit Card
- Strong accelerated rewards on dining and travel
- Milestone bonus structure for high spenders
- Complimentary lounge access options
Cons of Kotak Privy League Signature Credit Card
- Annual fee on paid variant
- Benefits tied to Privy relationship and spend thresholds
Frequently Asked Questions about Kotak Privy League Signature Credit Card
Which mobile wallets are supported for card payments?
Supported mobile wallets include Google Pay, PhonePe and Paytm for tokenised payments and UPI interactions where permitted.
Is there a joining fee for the Privy League Signature card?
The basic variant can be available without a joining fee; paid variants may carry an annual fee — check Kotak Privy offers.
How do I get the welcome bonus?
Welcome bonus is awarded on meeting specific spend thresholds and Privy eligibility; exact conditions are published by Kotak.
What are the lounge access benefits?
Complimentary domestic lounge access and Priority Pass visits are available subject to variant and spend criteria.
How do milestone rewards work?
Achieve specified quarterly or annual spends to earn bonus reward points or lounge benefits.
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