shoppingRuPayEntryActive
Kotak UPI RuPay Credit Card
Kotak Mahindra Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 23 Sept 2026
Reward Program
Kotak Reward Points1 point = ₹0.10
Redemption fee: 0
🔁
Managed via Kotak Rewards portal, Kotak mobile banking application
Transfer partners
Kotak Rewards catalogue — 1 Reward Point = ₹0.10, stated on the card page as 'Every 1,000 Reward Points will be equivalent to ₹100'. A minimum of 1,000 points is required for redemption.Cash value redemption — 1 Reward Point = ₹0.07, reduced from ₹0.10 with effect from 1 June 2025, with a 2,000-point minimum. The worse of the two channels.
Live Offers
20 activeElivaas10% instant discount up to 50,000 on Kotak Cards. For Solitaire Credit Card/Wealth Infinit
10% offTill 7 Oct
MakeMyTripUp to 15% instant discount upto ₹20,000 on Kotak Mahindra Bank Select Credit Cards
15% offTill 31 Mar
The Bombay Sweet ShopFlat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on bot
30% offTill 30 Nov
District20% instant discount upto ₹10,000 at district via Kotak Solitaire Credit Card
20% offTill 31 Mar
BiginBoost sales and foster long-term customer relationships with Bigin, the simple yet powerfu
50% offTill 31 Mar
Benefits
⛽
Fuel Surcharge Waiver
None. The Kotak MITC lists the Kotak UPI RuPay Virtual Credit Card among the products NOT eligible for the fuel surcharge waiver, and fuel spend earns no Reward Points either.
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 | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | Not applicable — the MITC states the cash advance facility is not available on this credit card. |
| Reward Redemption Fee | 0 |
Spends That Don’t Count
Kotak leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.
Excluded from milestone spends
Toward the milestone targets above
- EducationCoaching, College fees, Online courses, School fees
- Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
- Getting aroundFuel
- InsuranceHealth, Motor, Other cover
- SubscriptionsGaming
- TravelForex card loads
- UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water
