Veer Select RuPay credit cards
Kotak Mahindra Bank
Expert Rating
₹599
₹0
3.5%
8 visits/yr
Contents
Veer Select RuPay credit cards from Kotak Mahindra Bank are designed exclusively for Indian armed forces personnel who want a premium yet practical credit card for everyday use. The RuPay Select platform combines strong rewards on movies, dining, grocery and departmental stores with useful lifestyle and travel privileges. Cardholders enjoy complimentary IHO health membership, up to 8 complimentary domestic airport lounge visits per year, and valuable fuel and railway surcharge waivers. As of late 2025, Kotak lists the Veer Select credit card as discontinued for new sourcing, so these benefits are primarily available to existing cardholders while the bank promotes its newer active products.
Features of Veer Select RuPay credit cards which makes it unique
Armed Forces–Exclusive Design
Specially curated for Indian Army, Navy and Air Force personnel to honour their service.
Eligibility is restricted to defence personnel, keeping the proposition focused on their lifestyle and spending patterns.
More targeted than generic lifestyle credit cards available to the broader public.
RuPay Select + UPI Combination
Use the RuPay Select credit card both at POS terminals and via UPI QR codes through supported apps.
Seamless digital payments without carrying the physical card everywhere, while still earning rewards.
Leverages India’s domestic RuPay network and UPI rails instead of relying only on global card schemes.
Rewards Structure of Veer Select RuPay credit cards
Movies, Dining & Departmental Stores
acceleratedEligible spends on movies, dining, groceries and departmental stores, including CSD outlets where the merchant is correctly tagged.
When 1 reward point is valued at around ₹0.25, this translates to approximately 2.25% value back on these categories.
Other Retail Spends
baseAll other retail purchases, online and offline, excluding fuel, wallet loading, EMIs and any restricted merchant categories defined by Kotak.
At an indicative value of ₹0.25 per point, this is roughly 0.75% value back on regular spends.
Fuel Transactions
baseFuel transactions at any petrol pump in India that are eligible for the 1% fuel surcharge waiver.
Fuel spends earn a surcharge waiver instead of reward points, in line with Kotak’s fee and rewards policy.
Milestones of Veer Select RuPay credit cards
Annual Fee Waiver Milestone
₹1,00,000 annual retail spends : Full waiver of the next year’s annual fee of ₹599, effectively making the card low-cost for heavy users.
Fees & Charges of Veer Select RuPay credit cards
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹599 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | ₹300 |
Renewal Conditions:Annual fee of ₹599 is waived on annual retail spends of ₹1,00,000 in the previous anniversary year.
Fee Explanation Standard Kotak Veer Select credit card charges apply: zero joining fee, ₹599 annual fee with spend-based waiver, approx. 3.5% forex markup, cash advance fee around ₹300 per ₹10,000 withdrawn, stepped late payment fee up to ₹1,200 and ₹500 overlimit or cheque bounce charges, as per the latest Kotak fee schedule and Veer Select fee page.
Lounge Access Benefits with Veer Select RuPay credit cards
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary domestic airport lounge visits per quarter for the primary cardholder via the RuPay Select programme.
Insurance Coverage with Veer Select RuPay credit cards
Personal accident insurance
₹2,50,000Card insurance cover offered on Kotak Veer Select credit cards, with personal accident insurance of around ₹2.5 lakh, typically subject to incident reporting within 7 days and other bank terms.
Fraudulent transaction cover
Up to the limit defined in Kotak’s card insurance programmeProtection against fraudulent transactions for a limited pre-reporting period, as per Kotak’s latest card insurance terms for Veer Select and similar cards.
Additional Features of Veer Select RuPay credit cards
RuPay Contactless Payments
Tap to pay for small-value purchases without entering a PIN at enabled terminals.
PIN-free for eligible contactless transactions up to the RuPay and RBI-defined limit; chip-and-PIN required above that.
UPI Credit Card Payments
Link your Veer Select RuPay credit card to supported UPI apps and pay via UPI QR using credit.
Available on compatible UPI apps that support RuPay credit card linking for Kotak cards, subject to NPCI and Kotak rules.
Add-on Cards
Add-on cards for eligible family members to share the credit limit.
Primary cardholder remains liable for all spends; age and KYC requirements apply to each add-on cardholder.
EMV Chip & PIN Security
Secure EMV chip and 6-digit PIN-based authentication for POS and ATM transactions.
Cardholder must keep PIN confidential and follow Kotak’s security best practices for liability protection.
Welcome Bonus with Veer Select RuPay credit cards
Welcome Bonus: Complimentary IHO health membership worth ₹8,500 for new cardholders.
Bonus Conditions: Spend ₹500 within 30 days of card issuance to receive the complimentary IHO membership, as per Kotak’s current offer for Veer Select cardholders.
Application Process for Veer Select RuPay credit cards
Processing Time
Typically 5–7 working days after final approval, subject to Kotak’s internal checks.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Check your eligibility as Indian armed forces personnel and confirm that Kotak is currently accepting applications for Veer Select or a similar RuPay armed forces card.
Contact Kotak Mahindra Bank through a branch, relationship manager or official channels to enquire about availability, as Veer Select is currently marked as discontinued for new sourcing.
If applications are open, submit your KYC, income and service documents along with the credit card application form.
Complete any verification calls or additional documentation requested by Kotak and await internal credit assessment.
On approval, the RuPay contactless credit card is dispatched to your registered address, and you can then link it to UPI and activate all digital banking features.
Required Documents for Veer Select RuPay credit cards
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried and self-employedAccepted documents:
Service Proof
defence personnelAccepted documents:
Veer Select RuPay credit cards Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at RuPay-enabled POS terminals, e-commerce sites and UPI QR merchants.
International Acceptance
Usable at select international merchants and ATMs through RuPay’s global tie-ups (for example with Discover or JCB), but acceptance may be lower than Visa or Mastercard in some countries.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Veer Select RuPay credit cards
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident, armed forces personnel only.
Income Requirements
Salaried Applicants
₹40,000
Minimum annual income
Self-Employed Applicants
₹400,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicable only for Indian Army, Navy and Air Force personnel; primary cardholder must be 18–65 years old, resident in eligible cities such as Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune, as per Kotak’s current eligibility criteria for Veer Select.
How Approval Is Decided
- Applicable only for eligible Indian armed forces officials with a stable income.
- Primary cardholder age between 18 and 65 years with a suitable credit profile and minimum credit score target around 700 or higher.
- Residence in one of Kotak’s serviceable locations for Veer Select credit cards.
- Satisfactory internal risk assessment by Kotak Mahindra Bank based on bureau history and existing liabilities.
Pros of Veer Select RuPay credit cards
- High reward rate on movies, dining, grocery and departmental store spends.
- Complimentary IHO health membership worth ₹8,500 as a welcome benefit for new cardholders who meet the initial spend requirement.
- Up to 8 complimentary domestic airport lounge visits every year through RuPay Select benefits.
- 1% fuel surcharge waiver and railway surcharge waiver, ideal for frequent travellers.
- Exclusive eligibility for defence personnel, keeping benefits aligned to the armed forces lifestyle.
Cons of Veer Select RuPay credit cards
- Annual fee of ₹599 if you do not meet the ₹1,00,000 annual spend requirement.
- Product is currently discontinued for new sourcing by Kotak, so new applications may not be accepted as of late 2025.
- Rewards do not apply on fuel spends and certain restricted categories like wallet loads or EMIs.
- RuPay global acceptance is improving but may still be limited at some international merchants compared to Visa or Mastercard.
Frequently Asked Questions about Veer Select RuPay credit cards
Who is eligible for the Veer Select RuPay credit cards from Kotak Mahindra Bank?
Veer Select RuPay credit cards are reserved exclusively for serving and eligible Indian armed forces personnel. The primary cardholder should generally be 18–65 years old, a resident of India and located in select cities such as Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune, as per Kotak’s latest eligibility criteria.
What are the main benefits of the Veer Select RuPay credit cards for defence personnel?
The card offers strong rewards on movies, dining, groceries and departmental stores, complimentary IHO health membership on initial spend, up to 8 complimentary domestic airport lounge visits per year, 1% fuel surcharge waiver, railway surcharge waiver and personal accident insurance cover, making it a well-rounded lifestyle and travel card for defence personnel.
How does the rewards programme work on Veer Select RuPay credit cards?
You typically earn 9 reward points per ₹200 spent on movies, dining, groceries and departmental stores and 3 reward points per ₹200 on other retail spends, while fuel transactions earn a fuel surcharge waiver but no reward points. Points can be redeemed against options such as e-vouchers, recharges and other catalogue rewards at an indicative value of about ₹0.25 per point, as per Kotak’s latest rewards rules.
Is the Veer Select RuPay credit card still open for new applications in 2025?
As of November 2025, Kotak’s official Veer Select credit card pages clearly indicate that the product is discontinued for new sourcing and is displayed primarily for existing cardholders. Defence personnel who are not already cardholders may need to consider other active Kotak or RuPay credit cards targeted at armed forces and lifestyle benefits.
Can Veer Select RuPay credit cards be used with UPI and contactless payments?
Yes, Veer Select RuPay credit cards support contactless ‘tap and pay’ transactions at compatible terminals, and Kotak RuPay credit cards can be linked to popular UPI apps that allow RuPay credit card linkage. This lets you pay using UPI QR codes while still using your credit limit and earning rewards, subject to Kotak and NPCI guidelines.
How can cardholders get the annual fee waiver on Veer Select RuPay credit cards?
To get the annual fee waiver, cardholders must typically achieve at least ₹1,00,000 in retail spends in the previous anniversary year. Once this milestone is met, Kotak reverses or waives the annual fee of ₹599 in the next cycle, effectively reducing the long-term cost of the card for regular users.
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