Features

Kotak Infinite Credit Card

The Kotak Infinite Credit Card is an ‘invite-only’ Credit Card, specifically tailored for individuals who settle for nothing but the best in class for everything they do. With this Credit Card, you get a plethora of benefits and privileges, including a personalized card, golf privileges and access to prestigious international events.

Personalised Card Design

Minimum credit limit of Rs. 10 Lakhs

A World of Exclusivity keeping your unique interests in mind

Complimentary* tee-offs at some of the finest golf courses in India, and around the world.

Kotak Infinite Credit Card – Designed after you

Kotak Infinite Credit Card is a 'By-Invite' credit card program, exclusively for Kotak Private Banking clients. Kotak Infinite Credit Card offers best in class reward program, personalized card, golf privileges and access to prestigious international events. This card has been designed especially for top of the pyramid customers, considering their lifestyle and high spending power.

Personalised Card Design
Kotak Infinite Credit Card is designed after you, which means it carries a unique hand crafted illustration of the cardholder image on face of the card.

Higher Credit Limit
Kotak Infinite Credit Card comes with minimum credit limit of Rs. 10 Lac and an instant credit limit increase* offer to support your big purchases through an additional spending limit.
*Limit increase offer above your assigned credit line is available at bank’s discretion on case-to-case basis, taking spend and payment pattern into consideration.

Golf Benefits
The game for the game changers
Simply escape the hustle and bustle of the normal routine with complimentary* tee-offs at some of the finest golf courses in India and World.
Get 2 complimentary round of golf in a month for the cardholder . Also, you can invite two friends for a complimentary round once in a quarter

* T&C apply. Kindly refer cardholder agreement for golf program details.
To book a round of Golf, please click on www.kotak.golftripz.com

Bonus reward points!^#
Get 800 Reward points worth Rs 800 free every month with your Kotak Infinite Credit Card.

# Crediting of reward points in lieu of 2 free PVR tickets is an interim change in the feature of the card.

The benefits don’t stop
There's an even greater wealth of benefits and treats waiting for you with a Kotak Infinite Credit Card.

Domestic Lounge Access:
- Get 4 complimentary visits every quarter to select lounges in India. Know More
Instant Assistance through premium concierge services to you.
These services include:
- Arranging reservations for hotel and dining
- Flight ticketing assistance
- Booking tickets for special events and performances
- Spa & Fitness Centre information
- Referral assistance

To Book or for any queries please call at +91 1135124242 or write to [email protected] available from 10 am to 8 pm on all days

Fuel Surcharge Waiver
- Save 1% fuel surcharge across all petrol pumps in India*
  
  *Fuel Surcharge to be waived only for transactions between INR 400 and INR 7,500 with a maximum of up to INR 4,500 per calendar year.
Railway Surcharge Waiver
- Get 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter**
  
  *Maximum railway surcharge waiver allowed in a calendar year is Rs 500

Know the fees and charges for the Kotak Infinite Credit Card.
Explore more credit card options that best suit your needs.

Disclaimer: We have discontinued Wealth Infinite Credit Card for new sourcing and the information above is displayed for existing cardholders only. We are sure that our large bouquet of active products with attractive features and offers will match your expectation. Thank you for understanding.

Fees & Charges

Fee & other Parameters	Kotak Infinite Credit Card
Joining Fees	Nil
Annual Fees	Nil
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Addon card Fees	Nil
Interest Charges on outstanding Balances	3.10% (Annualized 37.2%)
Interest Charges on outstanding Balances	3.10% (Annualized 37.2%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	Rs. 300
Late Payment Charges ("LPC")	Due as per last statement (INR)	Late Payment Charges (INR)
	<₹100	0.0
	₹100 - ₹500	100.0
	₹501 - ₹5,000	500.0
	₹5,001 - ₹10,000	600.0
	₹10,001 - ₹25,000	800.0
	₹25,001 - ₹50,000	1000.0
	>₹50,000	1200.0
Over Limit Charge	Waived
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	2%*
Railway Booking Surcharge (on transaction amount)^	Waived
Fuel Surcharge**	Waived
Fee for Cash payment at Bank	Waived
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Waived
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived
Please Note:
All the taxes would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
^Maximum Railway surcharge waiver of Rs. 500 in a calendar year
**Fuel surcharge to be waived only for transactions between values of Rs. 400 - Rs. 4000. Maximum Fuel surcharge waiver of Rs. 4500 in a calendar year
*With effective 16th October 2019, foreign markup fee would be reduced to 2%