Value Chart

Enjoy the good life at great value

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What you pay
Joining Fee/Annual Fee*	₹3,000

What you get
Joining Gift**	₹1,500
Priority Pass + 4 complimentary visits	₹15,525
White Pass Value	₹27,000
Total Value Delivered Per Year	₹41,025

The above values are defined assuming monthly spends of ₹1 lakh.

Get the whole picture with detailed fees and charges.

Fee & Other Parameters	Paid Variant	Free Variant (Exclusively for Kotak Privy League Optima and Insignia Customers)
Joining Fee	₹ 3,000	Nil
Annual Fee	₹ 3,000	Nil
Add-on Card Fee	Nil	Nil
Interest charged on outstanding balances	3.1% (Annualized 37.2%)	3.1% (Annualized 37.2%)
Minimum Amount Due	5% or 10% of Total Amount Due, as decided by the Bank	5% or 10% of Total Amount Due, as decided by the Bank
Late Payment Charges (LPC)	₹100 for statement outstanding less than or equal to ?500	₹ 100 for statement outstanding less than or equal to ₹500
	₹500 for statement outstanding between ₹501 to ₹10,000	₹ 500 for statement outstanding between ₹501 to ₹ 10,000
	₹700 for statement outstanding greater than ₹10,000	₹700 for statement outstanding greater than ₹ 10,000
Over Limit Charge	₹ 500	₹ 500
Foreign Currency Markup	3.50%	3.50%
Railway Booking Surcharge* (on transaction amount)	Waived	Waived
Fuel Surcharge**	Waived	Waived
Reissue/Replacement Card (per issuance)	₹ 100	₹ 100
ATM Cash Withdrawal/Call a draft/Fund Transfer/Cash Advance per ₹10,000 or part thereof	₹ 300	₹ 300
Cheque Bounce Charges	₹ 500	₹ 500
Fee for Cash Payment at Bank	₹ 100	₹ 100
Outstation Cheque Processing Fee	Waived	Waived
Charge Slip Request	Waived	Waived
Machine Surcharge at ATMs	Waived	Waived
Balance Enquiry Charges at Non Parent Bank ATMs	Waived	Waived
Duplicate Statement Request	Waived	Waived
Web Pay Service Fee	Waived	Waived
Furnishing a copy of Credit Information Report (CIBIL)	₹ 50	₹ 50

*Annual Fee of ₹3,000 will be waived when annual spends cross ₹5 lakh.

**₹1,500 White Pass will be given on spending ₹30,000 in the first 60 days from card setup. Receipt of this benefit is subject to payment of ₹3000 Joining Fee. Not applicable for fee varaint

*Maximum Railway surcharge waiver of ₹500 in a calendar year.

**Fuel surcharge to be waived only for transactions between values of ₹500 - ₹3,000. Maximum Fuel surcharge waiver of ₹3,500 in a calendar year.