Kotak Mahindra Corporate Gold Credit Card Review

Kotak Mahindra Corporate Gold Credit Card is specially designed for business and company owners. This card has all the features that are needed to help you to manage a business or company-related expenses. This card also has some of the best features for your company like customizable spend limit, employee wise statement universal acceptance, and lots more. Again with this card you can enjoy a handsome amount of waiver on fuel surcharges. Now let’s discuss the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: The applicant should be an owner of a company or business. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The applicant should be an owner of a company or business.
  • Good CIBIL Score. (750 or more).
  • This card is designed for companies or businesses, not for individual uses. 

Required Documents:

  • 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)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: ₹1,000 + GST for corporate classic card & None for Corporate basic card. 


  • Reward benefit:

This card offers big reward points on every transaction made with this card. Those reward points can also be redeemed very easily in every quarter. 

  • Fuel surcharge waiver:

This card offers an annual waiver of ₹3,500 on fuel surcharges, the transaction amount should be between ₹500 to ₹3,000.

  • Easy to employees: 

This feature is very helpful for the employees. An employee with this card can easily pay any amount from the office account for office-related expenses.

  • Company power:

This card can make a spending pattern for every individual employee added with this card. It will help you to create a budget for your company.

  • Interest-free period:

This card offers an interest-free period of 48 days. 

  • Customizable Spend limit:

You can now customize the spending limit of each of your employees according to their designations. This feature is very helpful for making a monthly budget.

  • Expense Management:

You can now track spends of your employees individually. You can also monitor where and when the transaction is done. This card allows you to track how much is spend on each vendor.

  • Program administrator:

Now you don’t need to wait long for your queries (related to – total due, due date, lost or damaged card, etc.), with the program manager you can get that information with just a call.

  • Service manager:

This card provides you a dedicated service manager, you can get quick information about your cards, you can also ask for advice from your service manager.

  • E-statements:

You will get your monthly card statement in your registered e-mail. This feature is safe, convenient, hustle-free. You can also ask your bank for a hard copy of the statement.

  • Consolidated Payment:

You don’t need to pay for each of your employees individually. With this card, you can pay the entire bill amount under one statement. 

  • Alert facility:

This feature adds more security to your card. You will receive free SMS and Emails on each transaction made with this card.

  • Global acceptance:

This card is accepted at over 10 million stores or outlets. That means you can use this card at any corner of the world.


  • Cash Withdrawal Charge: None. 
  • Finance Charge: 3.30% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800-266-2666

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you won a small business or company and you need a credit card that can offer you financial support, then this card can be a good choice for you. It offers benefits like big reward benefits, fuel surcharge waiver, expense management facility, spend tracker option, and lots more. So if you want a low-cost business credit card then you can go for this card.  

But if you want to earn some extra benefits then you can go for Kotak Mahindra Corporate Platinum Credit Card, and if you want to spend more to get much higher benefits then you can go for YES FIRST Business Credit Card

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