Kotak Wealth Management Infinite Credit Card Review

The kotak mahindra wealth management infinite credit card is a uniquely crafted credit card for Kotak Mahindra’s top-notch customers. Wealth management is a part of financial services that handles the customer’s investment needs. Kotak is one of the top 5 Indian wealth management service providers, and they have specifically crafted this card for its wealth management clients. This invite-only credit card works on the visa platform and it comes with a zero joining and annual fee. More details about this kotak premium credit card are discussed below.

What are the kotak mahindra credit card eligibility criteria?

  • Resident Type: Indian. 
  • This card is only available for kotak wealth management customers.
  • For salaried person:
    • Age: 21 to 65 years. 
    • Income: Rs. 8 lakh annually. (Approx)
  • For self-employed person:
    • Age: 21 to 65 years. 
    • Income: Rs. 8 lakh Annually. (Approx)
  • Good credit score (750 or more).
  • This particular kotak credit card is only available in Bangalore, Ahmedabad, Chennai, Delhi, Chandigarh, Kolkata, Pune, Hyderabad, and Mumbai.  

If you have the Kotak Wealth Management account eligibility, then you will be invited to apply for this card via mail. Once you submit your kotak mahindra bank credit card application, you will get a unique application id. You can use it to track your kotak bank credit card application status.

What documents are required to apply for the kotak mahindra wealth management card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

To make your cards more secure during shipment, all new kotak mahindra bank credit cards are delivered in an inactive state. The user can activate them manually by generating a new credit card PIN. You can find more about the kotak credit card pin generation process from the 100xGain faq page

How much does the kotak wealth management card cost?

  • Kotak mahindra bank credit card joining fee: None. 
  • Kotak mahindra bank credit card annual fee: None. 

What are the kotak credit card benefits?

  • Boost up your credit convenience with a higher credit limit:

The minimum credit limit you can get with this kotak lifetime free credit card is Rs. 10 lakh. A higher credit limit is always helpful, it can make a good impact on your CIBIL score. 

  • Earn huge reward points monthly:

With this kotak mahindra free credit card , you can earn up to 800 reward points per kotak card statement cycle. You can use those points to pay your credit card bill, book travel, or get a product from the kotak credit card reward points redemption catalog. You can check the status of kotak credit card reward points from the kotak mahindra credit card app.

  • Make your travel more comfortable with complimentary lounge access: 

Under the visa card lounge access program will get up to 4 free accesses per quarter to most of the domestic visa lounges.

  • Make your weekends more refreshing with free golf rounds: 

This Kotak Credit Card offers you up to 2 free golf rounds monthly. This offer is available at most of the frontline golf courses in India. You can invite some guests too (Maximum 2 guests per quarter).  

  • Get freedom from fuel surcharges:

If you use this card to purchase fuel, you will get a 1% waiver on fuel surcharges. You can claim this fuel surcharge waiver offer at any fuel station in India.

  • Get big discounts on railway surcharges:

You will also get up to a 2.5% waiver on railway surcharges. This kotak card offer is applicable on the tickets booked from booking counters and www.irctc.co.in, you can get a maximum of Rs. 500 waivers in a year. You can check the status of your earned benefits from your kotak mahindra online banking account.

  • A multilingual concierge service to take care of your needs:

You will get the assistance of a world-class concierge service team with the card. They can help you with several things like hotel reservations, flight booking, assistance in special events, and lots more. 

  • Make your lifestyle more premium with extraordinary VIP privilege:

This kotak bank card gives you invitations to most of the VIP events, you will also get some extra privileges like seat preference, champagne receptions, celebrity autographs, and lots more.   

  • Complementary lost card liability coverage to stand for you in emergencies:

This kotak lifetime free credit card comes with lost card liability coverage of Rs. 5 lakh, so if your card ever gets lost or stolen, you just have to report it by calling the kotak cards customer care number and you will not be liable for anything bad that may happen to your account.

  • Customize the look of your card using the unique personalization feature:

Kotak Mahindra allows you to customize your card, you can customize the face of the card according to your wish.   

  • Pay your credit card bills more conveniently with multiple kotak mahindra credit card payment options:

You can make your monthly kotak card payment online from your kotak online banking account or from any credit card payment app like Cred, Phone pe, Google Pay, Paytm, etc. But if you don’t have access to those online kotak credit card bill payment options, then you can also pay kotak credit card bills from your nearby Kotak Mahindra Branch.

  • Use your card anywhere in the world without restrictions:

This kotak pre approved credit card is accepted in almost any country in the world, you can use this card at any outlet or e-commerce site where Visa cards are accepted. 

What are the kotak bank credit card charges?


Payable amount

Charges for cash withdrawal by credit card              Rs. 300 for each Rs. 10,000 withdrawal (applicable once per withdrawal, also make sure to check your available kotak credit card balance before performing a balance transfer)
Kotak mahindra credit card finance charge The kotak mahindra bank credit card interest rate can go up to 3.10% monthly or 37.2% annually
Foreign currency transaction 2% against the transaction amount (applicable once per transaction)
Kotak bank credit card add-on card fee None

How to get in touch with the kotak credit card call center?

  • Call the kotak credit card customer service number: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak credit card complaint mail id: customerfirst@kotak.com
  • Also if you want instant assistance then just SMS to KASSIST and you will get a call back from the kotak bank credit card customer care department within 30 Min.

If you want to file a dispute against a transaction, then feel free to visit our faq page to know the kotak credit card settlement process .

100xGain Ratings:


If you don’t want to continue with your old Kotak credit card, then make sure to visit our faq page to know the kotak bank account closure procedure.  

Pros and Cons:



  • It offers a number of premium kotak credit card features at no annual fee
  • You will get some free access to domestic airport lounges
  • There is also liability coverage protection on this card
  • There are no dining or movie benefits on this kotak wealth management infinite credit card.

Final Opinion:

As said before is an invite-only premium credit card. And as we can expect from a premium card it is stuffed with premium features and privileges. From lounge access to golf round, this card has everything to make your already premium lifestyle more premium. So, if you have got an invitation for this card then you should go for it without hesitation. 

Otherwise, there are plenty of options available for you on our top premium credit card page. You can also take a look at the alternative card options given below.

Alternative cards of the kotak mahindra wealth management infinite credit card: 

  1. Bajaj finserv doctor card (Best for lounge access and movie benefits)
  2. ICICI manchester united signature credit card (Best for cashback and lounge access benefits)
  3. ICICI bank sapphiro credit card (Best for lounge and golf benefits)
  4. RBL CA Super Card (Best for lounge access benefits)

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