Kotak Mahindra Corporate Gold Credit Card Review

Keeping the needs of small business owners in mind, Kotak Mahindra Bank has launched the Kotak Corporate gold Credit Card. The major problem that most small businesses and startups face is funding, and this kotak corporate credit card is aimed at solving the issue by offering easy access to credit. Apart from that, this card offers you some exclusive rewards and a number of features. More about the benefits of kotak credit card are discussed below.

What are the required eligibility criteria for kotak mahindra credit card?

  • Resident Type: Indian. 
  • Kotak mahindra card eligibility criteria for salaried person:
    • Age: 21 to 65 yrs. 
    • Income: The applicant should be an owner of a company or business. 
  • Kotak mahindra card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The applicant should be an owner of a company or business.
  • A CIBIL score of 700+ is needed to apply for this kotak gold credit card.
  • This kotak gold credit card is designed for companies or businesses, not for individual uses.

You can apply for this card from the kotak mahindra bank credit card online application portal, once your kotak mahindra credit card application is submitted successfully, you can track the status of your application from the kotak mahindra bank credit card status tracking page.

What documents are required to apply for a kotak corporate 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:
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

As per the new rules, all new kotak bank credit cards are delivered in an inactive state. The user can activate the cards manually by generating a new credit card PIN. You can find more about the kotak mahindra credit card new pin generation process from our faq page.

What are the kotak mahindra gold credit card fees?

  • Kotak credit card joining fee: None. 
  • Kotak credit card annual fee: Rs. 1,000 + GST for corporate classic card & None for Corporate basic card. 

What are the kotak mahindra bank credit card benefits?

  • Make your every transaction rewarding:

With every transaction made using this card, you can earn assured reward points. Those kotak bank credit card reward points can be redeemed into cash every quarter. 

  • Enjoy attractive kotak mahindra credit card surcharge waivers:

This kotak bank credit card offers an annual saving of Rs.3,500 on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs. 500 to Rs. 3,000.

  • Empower your employees with lifetime free add-on cards:

You can provide your worthy employees with add-on credit cards so that they can perform official expenses by themselves. 

  • Manage your finances with expense management tools:

This kotak mahindra credit card features a powerful expense management tool that allows you to track the spending related to each and every employee and vendor, Providing you complete transparency and control over your kotak bank corporate banking account

  • Enjoy assistance from a dedicated service manager:

With this Kotak gold card, you will receive a personal service manager who can help you in any situation with his/her experience. With just a call to the kotak mahindra credit card customer service number, you can get all the information related to your kotak corporate banking account.

  • Experience the convenience of the e-statement facility:

On every kotak mahindra bank bank statement date, you will receive your detailed statement in your registered email. This e-statement system eliminates the delay and misplacement caused by the postal service. 

Also with the consolidated payment facility, all the transactions made using your add-on cards will be included in one kotak corporate credit card statement. You can also check your statements from your net banking account, you can click here to go to the kotak bank corporate login page.

  • Stay updated with a real-time alert service:

With the kotak credit card real-time alert facility, you will be notified via SMS for each and every transaction made using this gold credit card. Also if you notice something suspicious with your credit card account, then you can instantly block it from your kotak mahindra bank corporate net banking account.

  • Instant kotak credit card bill payment options:

You can pay your kotak credit card bill from your kotak credit card net banking account, you can also use any credit card payment app like Cred, Google Pay, Paytm, Phone pe, etc. to do the same.

  • Perfect travel companion for you:

This kotak visa business credit card works on the visa platform, which makes it usable in over 10 million+ outlets and e-commerce sites across the world.

What are the kotak credit card service charges?


Payable amount 

Kotak credit card cash withdrawal charges

None (always check your available Kotak gold credit card limit before making a withdrawal)

corporate credit cards finance charge

The kotak credit card interest rate can go up to 3.30% monthly (if your credit card bill is not paid in time)

Kotak credit card international usage charges

3.5% against the transacted amount

Kotak add on credit card charges


How to contact the kotak credit card customer service department?

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

100xGain Ratings: 


Pros and cons of this kotak corporate credit card:



  • You can earn assured kotak credit card reward points wit every transaction.
  • This kotak credit card features exclusive annual waivers on fuel surcharges
  • There are no travel-related benefits on this kotak corporate credit card.
  • This card does not offer anything in the dining category.

If you don’t want to continue with your old kotak mahindra credit card account, then click here to know the kotak credit card cancellation procedure.

Final Opinion:

If you own a small business or startup and are looking for a business credit card that can offer you credit convenience, then this card will be the perfect choice for you. This kotak gold credit card has all the features and benefits that are needed to run your business smoothly.

But if you want premium privileges like free lounge access, benefits on dining and travel booking, etc. then you should visit our best corporate credit cards page to find the card that suits your needs. 

Alternative Cards of the Kotak corporate gold credit card: 

  1. HSBC Visa Platinum Credit Card (Best for dining and fuel surcharge waivers)
  2. IndusInd Bank Business Gold Credit Card (Best for offering reward points)
  3. RBL Corporate Purchase Card (Best for offering corporate-related tools)



4 thoughts on “Kotak Mahindra Corporate Gold Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: