Kotak Biz Credit Card Review

The Kotak Biz credit card is the best way to earn useful reward points on your business expenses and add a touch of luxury to your business trips. While the card comes with an annual fee of just Rs.499, it offers you powerful rewards with every transaction, free access to airport lounges, huge discounts on railway and fuel surcharges, and lots more. You can find more about kotak business credit card benefits from the details given below.

How does the kotak biz credit card eligibility work?

This card is only available for self-employed individuals, proprietors, and partners of partnership firms. 

  • Resident Type: Indian
  • Age: 21 to 65 years
  • Income: The maximum income tax return of the applicant should be above Rs.4.8 lakh per annum
  • A credit score of 700+ is required to apply for this kotak visa business credit card.

What is Kotak business card document requirement?

  • Photocopy of Address proof (any 1)
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Income tax return of the last year
    • Proof of business

What are biz credit card fees?

  • Kotak Biz Credit Card joining fee: Rs.299 + GST
  • Kotak Biz Credit Card annual fee: Rs.499 + GST

What are the kotak biz credit card benefits?

  • Add more value to your transactions:

Your kotak biz credit card features assured rewards with every transaction made using this card. The details are mentioned below.

Category of transaction

Reward points

Travel, domestic airlines, marketing services, supermarkets, hotels, motels, Best Price online wholesale market, shopping, MakeMyTrip 4 reward points for every Rs.100 transaction
All other transactions 1 reward point for every Rs.100 transaction

You can keep track of your kotak biz credit card status from your net banking account.

  • Travel more comfortably:

With this biz credit card kotak mahindra bank offers 1 complimentary access every quarter at domestic visa lounges. You can also enjoy some additional benefits like gourmet meals, widescreen TVs, newspapers, magazines, free WiFi, etc.

  • Get freedom from fuel surcharges:

This kotak business credit card offers a 1% waiver (up to Rs.2500 per year) on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.500 to Rs.3000.

  • Earn big discounts on railway surcharges:

Your biz credit card features a 1.8% surcharge waiver on railway tickets booked from IRCTC official website and a 2.5% surcharge waiver on railway tickets booked from railway ticket booking counters.

  • Complimentary insurance coverage:

You will also get complimentary insurance coverage with this Kotak card, the details are mentioned below.


Coverage amount
Card liability coverage (lost card, skimming/counterfeit/phishing, and online frauds) Rs.50,000
Purchase protection Rs.25,000
Loss of baggage (checked-in) Rs.10,000
Delayed baggage (checked-in) Rs.10,000
Lost passport or travel documents Rs.10,000
Missing of connecting international flights (during transit) Rs.10,000

What are the kotak biz credit card charges?


Chargeable amount

Cash withdrawal charge Rs.300 for each withdrawal of Rs.10,000 (or a part thereof)
Finance charge 3.5% monthly (42% annually)
Foreign currency conversion charge 3.5% against the transaction amount
Add-on card fee None

How to contact the Kotak credit card customer care department?

  • Call the kotak credit card customer care number: 1800-209-0000 or (Toll-free) or 022-6600-6022
  • Write to the Kotak credit card mail id: customerfirst@kotak.com

100xGain Ratings:


Pros and cons:



  • The reward-earning rate of this card is quite impressive.
  • You can enjoy free access to airport lounges.
  • This card offers a big discount on dining expenses.
  • You will not get any international lounge access from this biz kotak credit card.
  • This card does not feature any dining benefits.

Final Opinion:

It can be very useful for small business owners to have this kotak visa business credit card. The card offers rewards points for every rupee spent, discounts on railway and fuel surcharges, and access to airport lounges, which justify the annual fee of Rs.499.

But if you can budget a higher annual fee for some extra benefits, then you should take a look at our best business credit cards page.

Alternative Cards:

  1. American Express Corporate Card (Best for reward, lounge, and online management facilities)
  2. HDFC Corporate Premium Credit Card (Best for reward and lounge benefits)
  3. Kotak Best Price Credit Card (Best for offering reward points)

FAQs on Kotak Biz credit card?

  • What is Kotak Biz card?

The Kotak Biz credit card is a low-cost business credit card designed for small business owners.

  • Who is eligible for business card?

You can apply for a business card if you are a self-employed professional, proprietor, or partner between 21 and 70 years of age who resides in India and has a good credit history.

  • Can you get approved for a business credit card with no revenue?

Business credit cards are not difficult to obtain if you have a high credit score. You can do this without having a business.

  • What are the 4 types of credit cards?

The four major credit card types are reward credit cards, secured credit cards, low-interest credit cards, and cashback credit cards.

  • What is the limit of Kotak credit card?

You can find your Kotak credit card limit from your net banking account or from your Kotak credit card mobile app.

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