Kotak Mahindra Corporate Platinum Credit Card Review

If you are thinking about an affordable way to make your business trips more premium then, you should take a look at the Kotak Mahindra Corporate Platinum Credit Card. This kotak corporate credit card is particularly tailored to cater to travel-related benefits. While this card charges just Rs.999 per year, it brings a lot of valuable benefits with it, like free access to airport lounges, assured kotak rewards points on every transaction, discount on fuel and railway surcharges, and a number of helpful corporate features. To know more about the benefits of kotak credit card, make sure to check the details given below.

How does the kotak corporate credit card eligibility work?

This kotak platinum credit card is designed for companies or businesses, not for individual uses. 

  • Resident Type: Indian. 
  • Kotak bank credit card eligibility criteria for salaried person:
    • Age: NA
    • Income: NA (only a self-employed person can apply for this kotak bank card
  • Kotak credit 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 corporate card.

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

What documents are required to apply for the kotak mahindra platinum credit 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. 

Nowadays, all new kotak cards are delivered in an inactive state, the users can activate them manually by generating a new kotak credit card pin. You can find more about the online kotak credit card pin generation process from the 100xGain FAQ page

What are the kotak bank credit card fees?

  • Kotak credit card joining fee: None. 
  • Kotak mahindra bank credit card annual fees: Rs.999 + GST

What are the kotak platinum credit card benefits?

  • Make your every transaction rewarding:

This kotak card offers assured rewards with every transaction. You can use those kotak credit card rewards to pay your monthly credit card bills. You can call the kotak mahindra bank credit card customer service number to redeem your rewards.

  • Add comfort to your travel:

Under the kotak credit card lounge access program, you will get free access to most of the leading visa lounges. You will get a maximum of 2 free access per quarter.  

  • Get freedom from fuel surcharges:

If you use this kotak mahindra platinum credit card to purchase fuel, you can earn up to Rs.3,500 waiver on fuel surcharges every year. You can claim this kotak credit card fuel surcharge offer at any fuel station in India and the transaction amount should be between Rs.500 to Rs.3000.

  • Enjoy a big discount on railway surcharges:

Using this kotak platinum corporate card, you can earn a maximum of Rs.500 waiver per year on railway surcharges. This kotak credit card offer applies to the tickets booked online or from railway ticket counters. 

  • Lifetime free kotak credit card add on cards for your employees:

You can provide your worthy employees with add on credit cards so they can perform official expenses by themselves. Also, if you want, you can set a custom limit for each of your kotak add on credit card members (employees).

It also eliminates the inconvenience of carrying cash all the time, you can use this kotak business credit card for every corporate-related expense.

  • Experience the convenience of business management tools:

The expense management tool allows you to track your kotak credit card expenses related to each and every employee and vendor, Providing you complete transparency and control over your monthly budget. 

This kotak platinum credit card offers a travel adherence scheme. It protects your company against false claims, it also allows you to monitor if your employees are following the travel and expense policies or not.

  • A very convenient e-statement facility:

On every kotak credit card statment date, you will receive your detailed kotak mahindra credit card statement in your registered email. This credit card facility eliminates the delay and misplacements caused by the postal service.

  • Free card replacement facility:

If your kotak mahindra credit card is lost or stolen, you can block your lost credit card from your net banking account. You can also replace it without paying any additional kotak credit card replacement charges.

  • Stay updated with real-time alert service:

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

  • Instant kotak credit card bill payment options:

You can pay your credit card bills from your kotak mahindra credit card net banking account or from any credit card bill payment app like Cred, Google Pay, Paytm, Phone pe, etc.

  • A perfect travel companion for you:

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

What are the Kotak Mahindra corporate credit card charges?


Payable amount 

Kotak credit card cash advance charges

None (Also, check your available kotak credit card cash withdrawal limit before making a withdrawal)

Kotak credit card finance charge

The kotak credit card interest rate can go up to 3.30% monthly (applicable if your kotak credit card outstanding is not cleared within the due date)

Kotak platinum credit card international transaction charges

3.5% against the transacted amount

Kotak mahindra bank add on card credit card charges


How to get in touch with the kotak credit card department?

  • Call the kotak mahindra credit card department contact number: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak corporate credit card email id: customerfirst@kotak.com

100xGain Ratings: 


Pros and cons of the kotak mahindra bank card:



  • This kotak bank credit card offers free access to most of the frontline airport lounges
  • You will get assured kotak credit card rewards for every transaction you make using this card
  • This kotak corporate credit card comes with some really helpful tools for your business
  • You will not get anything in the dining categories

Final Opinion:

As said before, it is a low-cost corporate credit card that is specifically designed to offer travel-related benefits. With free access to airport lounges, discounts on fuel and railway surcharges, and kotak reward points on every transaction, you can save a big amount of money every year. 

But if you are looking for a more premium credit card option, feel free to visit our best corporate credit card page. You can also compare the alternative card options given below. 

Alternative cards: 

  1. American Express Corporate Credit Card (Best for lounge and account management facility) 
  2. American Express Platinum Corporate Credit Card (Best for lounge and dining benefits)
  3. Indusind Bank Worldmiles Credit Card (Best for lounge and movie benefits)
  4. RBL Icon Credit Card (Best for lounge benefits)

2 thoughts on “Kotak Mahindra Corporate Platinum Credit Card Review”

Leave a Reply

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