Kotak BizEdge Credit Card
Kotak Mahindra Bank
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Business essentials — tax payments, utility bills, insurance premiums, government payments, fuel, office supplies, telecom, electronics and business travel | 1.67% | ₹2,500/monthly |
Flight and hotel bookings on the Kotak Unbox platform | 1.67% | ₹1,00,000/monthly |
Business software and SaaS purchases through the Nuclei platform | 1.67% | ₹1,00,000/monthly |
| All other spends | 0.33% | No cap |
Redemption fee: 0
Managed via Kotak Unbox platform
Transfer partners
Live Offers
20 activeBenefits
Fuel Surcharge Waiver
Not stated on the card page or in the rewards T&C. Unusually for a Kotak card, fuel is not excluded from earning here — MCC 5541 and 5542 are in the business-essentials table and earn the 10-point accelerated rate — so the absence of a published surcharge waiver is a genuine gap rather than a consequence of fuel being excluded.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹999/yr |
| Renewal Fee | ₹999/yr |
| Fee Waiver | Spend ₹2,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | Not applicable — no cash withdrawal is allowed for cardholders. |
| Reward Redemption Fee | 0 |
