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Exclusive Crème Offers*

Complimentary Taj Epicure Membership

1 day complimentary stay plus discounts on luxury services, restaurants for employees with net monthly salary ≥ ₹ 3 Lakhs

Complimentary Lafayette Concierge Service

Get access to private charters, personal shopping, curated events & more with Lafayette Luxury Concierge with net salary ≥ ₹ 3 Lakhs

Complimentary MMTBLACK Elite Annual membership

Including 10% discounts on select hotels with net monthly salary ≥ ₹ 3 Lakhs

Complimentary EazyDiner Annual Prime Membership.

Avail up to 50% off with EazyDiner Annual Prime Membership

Complimentary Swiggy Prime Membership.

Enjoy upto 20% discount on Swiggy orders

shopping-vouchers

Complimentary shopping vouchers

Discounts up to ₹ 2,000

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Access to Lifetime free premium credit cards*

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White Reserve Credit Card

For net monthly salary ₹ 3 Lakhs and above

● Unlimited lounge access p.a. – Domestic and International

● Access to spend based reward program

● Annual fees worth ₹ 12500 waived

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White Credit Card

For net monthly salary between ₹ 1 Lakh to ₹ 3 Lakhs

● 8 Domestic lounge access & 4 International lounge access p.a.

● Access to spend based reward program

● Annual fees worth ₹ 3000 waived

Zen Credit Card

For net monthly salary below ₹ 1 Lakh

● 8 Domestic lounge access & 3 International lounge access p.a.

● Access to spend based reward program

● Annual fees worth ₹ 1500 waived

Indian Oil Credit card

● Get complimentary 60 Litres fuel annually, with 5% spends on Indian Oil fuel

● 2% Cash back as reward points on grocery & dining spends

● 0.5% Cash back as reward points on all other spends

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Loans & Lockers*

How to save on your home loan

Home Loan

Make your dream house a reality.
● Exclusive rates (for Capgemini employees) starting at 8.85%*

● Zero processing fee

Apply for Personal Loan

Personal Loan

Be it for a vacation or planning a marriage or for emergency medical costs.
● Exclusive rates (for Capgemini employees)

Payday Loan

Instant fix to manage financial emergencies
during the month.
● Exclusive rate (for Capgemini employees) at 10%*

● Processing fee ₹ 199 onwards

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Safe Deposit Lockers

Keep your valuables safe and secure with Kotak Mahindra Bank’s reliable safe deposit locker services.

● Up to 75% waiver on locker rentals

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Tool & Calculators

Home Loan Calculator

RD Calculator

MF/SIP Calculator

Life Insurance Calculator

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For Service Related. Feel free to reach out

City	Email Id
Hyderabad	[email protected]
Bangalore	[email protected]
Pune	[email protected]
Noida	[email protected]
Gurgaon	[email protected]
Mumbai	[email protected]
Chennai	[email protected]
Ahmedabad	[email protected]
Kolkata	[email protected]

*Terms & Conditions Apply

Lifetime zero charge promise - Terms & Condition Apply. Applicable post 1 month of salary and account remains a salary variant.
Special rates on loans - Terms & Condition Apply. All loans, over-drafts and credit card are subject to complete documentation and at sole discretion of Kotak Mahindra Bank Ltd and subject to guidelines issued by RBI from time to time. Bank may engage the service of marketing agents for the purpose of securing loan asset. All loan rates are subject to change as per the bank's discretion.
Complimentary Personal Protection Insurance Benefit - Basis regular salary credits, Terms & Condition Apply. For more information on insurance, please visit : https://www.kotak.com/en/personal-banking/cards/debit-cards/debit-card-services.html
Exclusive Crème offers –
Kotak Crème Milestone Benefit vouchers, privileges and rewards are subject to regular salary credit card and activation of Debit Card. The following offers are only valid till first three month of account activation.

a. T&C pertaining to Privy League Programme apply. For detailed T&C visit www.kotak.com

b. For detailed T&C visit www.kotak.com

c. Taj Epicure membership, Lafayette concierge and MMT Black Elite Annual Membership : This offer is subject to a net salary of ₹5 Lakh and above.

d. Complimentary Shopping Vouchers:

I. For employee with a net salary between ₹1 Lakhs - ₹3 Lakhs, voucher worth ₹3,000 shall be provided.

II. For employee with a net salary between ₹50,000 - ₹1 Lakhs, voucher worth ₹2,000 shall be provided.

III. For rest of the employees, voucher worth ₹250 shall be provided.

e. Milestone based offers are applicable for Kotak Everyday Account Customers only

f. Eligibility for Credit Card:

o White Reserve Credit Card for employees with Net Monthly Salary ₹1 Lakhs and above

o White Credit Card for employees with Net Monthly Salary between ₹1 - ₹3 Lakhs

o Zen Credit Card for employees with Net Monthly Salary between ₹25,000 - ₹1 Lakh

g. Indian Oil Credit Card: 1 Reward Point = 25p. Transactions between ₹100 to ₹5,000 and max. surcharge waiver. ₹100 per statement. (4% back as reward points) + (1% fuel surcharge waiver). Valid on select MCCs. Valid on cards where joining fees apply.
Cherry T&C
Please click here for ActivMoney terms and conditions
Complimentary Lounge access on lifetime free credit cards: All features and benefits are subject to Credit Card T&C. Please read the Credit Card T&C carefully provided on the Bank website. For Details visit https://www.kotak.com/en/personal-banking/cards/credit-cards.html
Access to lifetime free credit cards: Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. Annual fees waiver applicable basis regular salary credit cards is at the sole discretion of Kotak Mahindra Bank Ltd. All features and benefits are subject to Credit Card T&C. Please read the Credit Card T&C carefully provided on the Bank website. For Details please visit: https://www.kotak.com/en/personal-banking/cards/credit-cards.html
The offers and benefits mentioned under Kotak Crème Salary Proposition is subject to change.
The above benefits and offers (including brands) are subject to review and change from time to time. Kindly visit www.kotak.com for latest details. Please click here for more details.
Safe Deposit Lockers: Allotment of locker is subject to availability and regular salary credit.
Complimentary Personal Protection Insurance benefit on Debit Card

Insurance Benefits	Everyday Rupay Debit Card (Everyday Account)	Privy League Textured Debit Card (Privy Neon)	Privy League LED Debit Card (Privy Platinum)	Privy League Metal Debit Card (Privy Black)
Air Accident	Up to ₹ 50 lakhs	Up to ₹ 1 Crore	Up to ₹ 1 Crore	Up to ₹ 5 Crore
Personal Accident Death Cover	Up to ₹ 25 lakhs	Up to ₹ 25 lakhs	Up to ₹ 25 lakhs	Up to ₹ 25 lakhs
Purchase Protection	Up to ₹ 1 lakh	Up to ₹ 1.5 lakhs	Up to ₹ 1.5 lakhs	Up to ₹ 1.5 lakhs
Loss of Card Liability	Up to ₹ 3.5 lakhs	Up to ₹ 4.75 lakhs	Up to ₹ 4.75 lakhs	Up to ₹ 6 lakhs
Lost Baggage Insurance	Up to ₹ 1 lakh	Up to ₹ 1 lakh	Up to ₹ 1 lakh	Up to ₹ 1 lakh

Please click here for more details.

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