Kotak Shopping Credit Cards in India 2026

7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases, on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is ₹750.

5% cashback on select partners 
– You earn ₹5, on every ₹100 you spend on Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs)
– This is valid only on combined total purchases upto ₹20,000, since the maximum cashback is capped at ₹1000 per monthly card statement cycle. If your spends are more than ₹20000 in a month , your effective cashback will drop below 5%.

1.25% cashback on all other card spends :
– You earn ₹1.25, on every ₹100 you spend on all other card purchases.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances.

Additional benefits (quarterly milestone benefits), upto 1%
– You get 2 complimentary PVR tickets valued at ₹250 each, on quarterly card spend of over ₹50,000
– Card spends on rent, wallet, and fuel are not considered valid spends for the above calculation

Complimentary airport lounge access in India – 1 per quarter

Fuel surcharge waiver, upto ₹3500 every year
– You get 1% fuel surcharge waiver only on fuel transactions between ₹500 and ₹3000, and
– Only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Benefits
– 7.50% discount on Myntra.
– 5% cashback on 5 select partners, covering a wide range of services.
– Complimentary domestic airport lounge access

Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback

▶︎ 1.3% benefit on specific travel and shopping categories – Travel Agencies & Tour Operators || Package Tour Operators || Airlines and Air Carriers || Departmental Stores || Durable Goods || Electric Sales
– You earn 5.33 reward points worth ₹1.3, on every ₹100 you spend in these travel and shopping categories.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ 0.66% benefit on all other card spends – if total yearly card spend is below ₹2 lakhs
– You earn 2.66 reward points worth ₹0.66 or 66 paise, on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ 1.33% benefit on all other card spends – if total yearly card spend is above ₹2 lakhs
– You earn 5.33 reward points worth ₹1.3, on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

▶︎ Milestone benefits upto 2%
– You get 10,000 reward points worth ₹2500 , when you spend ₹1,25,000 or more on your card every 6 months.

▶︎ Complimentary airport lounge access in India – 2 per quarter

▶︎ Fuel surcharge waiver : You get 1% fuel surcharge waiver
– only on fuel transactions between ₹500 and ₹3000
– only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

▶︎ Rail surcharge waiver
– At www.irctc.co.in, and on Indian Railways Booking Counters
– Maximum railway surcharge waiver allowed in a calendar year is ₹500
– Customers will not earn reward points on railway transactions

▶︎ Dedicated service – ‘KASSIST’
– Instead of you trying to reach Kotak, they will reach you. You need to SMS “KASSIST” to 5676788, and they will call you back within 30 minutes.

▶︎ Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Benefits
– Good travel and shopping rewards possible, for those who spend approximately 20,000 per month. This can help you earn around 3% on all your card spends since you will achieve milestone benefits, as well as achieve card spend target to achieve annual fee waiver
– Complimentary domestic airport lounge access

Cons
– Benefits are low if your card spending is low, and you do not achieve milestone benefits

1.66% benefit on various shopping categories – Department stores || Jewellery || Apparels || Lifestyle goods
– You earn 6.66 Zen points worth ₹1.66 (one rupee and 66 paise), on every ₹100 you spend in these shopping categories.
– 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

0.83% benefit on all other card spends
– You earn 3.33 Zen points worth ₹0.83 (83 paise), on every ₹100 you spend on all other card purchases.
– 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.
– Exceptions : You get no cashback on fuel, EMI transactions and cash withdrawals.

Additional milestone benefits upto 0.6% : You get either –
– 7500 Zen points worth ₹1875 , when you spend ₹3 lakhs or more on your card each year.
OR
– 15000 Zen points worth ₹3750 , when you spend ₹6 lakhs or more on your card each year.
You get one of the two rewards listed above, at the end of the card anniversary year.

Complimentary airport lounge access outside India – 3 per year

Complimentary airport lounge access in India – 2 per quarter

Fuel surcharge waiver, upto ₹3500 per year : You get 1% fuel surcharge waiver-
– only on fuel transactions between ₹500 and ₹3000
– only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Railway surcharge waiver, upto ₹500 per year : You get rail surcharge waiver-
– 1.80% surcharge waiver for transactions made on the IRCTC website
– 2.50% surcharge waiver for transactions made at Indian railway booking counters
– Maximum waiver of ₹500 per year

Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Benefits
– Good card for complimentary airport lounge access, both in India and abroad.
– Special benefits on shopping

Drawbacks to consider
– Overall reward rates on card spending are not very attractive, especially on other spending needs like travel, utility bill payments, fuel.

Upto 2.50% benefit through card spend based milestone program – White Pass
✔︎ You earn White Pass value at 8 levels of annual card spend–
1. At ₹3 lakh spend, you get 5000 White Pass value worth ₹5000
2. At ₹10 lakh spend, you get additional 15000 White Pass value worth ₹15000
3. At ₹20 lakh spend, you get additional 22000 White Pass value worth ₹22000
4. At ₹30 lakh spend, you get additional 24000 White Pass value worth ₹24000
5. At ₹40 lakh spend, you get additional 26000 White Pass value worth ₹26000
6. At ₹50 lakh spend, you get additional 28000 White Pass value worth ₹28000
7. At ₹75 lakh spend, you get additional 63000 White Pass value worth ₹63000
8. At ₹1 crore spend, you get additional 67000 White Pass value worth ₹67000
✔︎ Hence at ₹1 crore card spend, you would earn a total of 2.50 lakhs White Pass Value worth ₹2.50 lakhs – 2.50% reward rate.
– 1 White Pass = ₹1, you can redeem White Pass value for an exclusive range of gift vouchers of premium brands, flights, hotels and more.
– You can also redeem White Pass for cashback, at a lower rate of 1 White Pass = ₹0.70 (70 paise)

Unlimited complimentary access to airport lounges, both in India and abroad

Complimentary golf across the world – 2 free golf rounds per month

Low foreign transaction fee of 2%

1% fuel surcharge waiver, upto ₹4500 per year 
– only on fuel transactions between ₹400 and ₹4000 and
– only on yearly fuel purchases upto ₹4.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹4500 per year).

Luxury lifestyle management services
– Curated travel experiences : You enjoy a wide range of unique travel experiences organized for you
– Personal shopping team : Curation and negotiation of special purchases and deals on luxury brands for you
– Fine dining reservations : You enjoy tables at the finest restaurants across the world
– Everyday gifting : Special gifts and deliveries for your loved ones
– Exclusive events and experiences : You can access the most sought-after events and experiences around the world

Benefits
– You can get upto 2.50% benefit on all card spends, through the spend based milestone program – White Pass
– You get unlimited complimentary access to airport lounges both in India and abroad
– You get complimentary golf across the world – 2 free golf rounds per month

Drawbacks to consider
– You can get better rewards with other premium cards available in the marketplace