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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.

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%