Kotak Mahindra Corporate Wealth Signature Credit Card Review

The Kotak Mahindra Corporate Wealth Signature Credit card is a solid choice for those small business owners who are looking to add a premium touch to their business trips. This business credit card gives you free access to the airport lounges, big discounts on fuel and railway surcharges, and a number of very useful tools. It works on the Visa platform and it comes with zero joining and annual fees. More details of this kotak mahindra credit card are discussed below.

How does the kotak mahindra bank credit card eligibility work?

  • Resident Type: Indian. 
  • Kotak credit card eligibility criteria for salaried person:
    • Age: NA 
    • Income: NA (Only a self-employed individual can apply for this corporate credit card)
  • Kotak credit card eligibility for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: The applicant should have his/her own company. 
  • A CIBIL Score of 700+ is required to apply for this kotak bank credit card.

You can apply for this card from the online kotak mahindra credit card application portal, once your kotak 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 credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)

As per the new regulations, all new kotak mahindra cards are delivered in an inactive state, and to start using these cards, the users need to activate them by generating a new kotak credit card pin. You can find more about the kotak credit card pin generation process from the 100xGain faq page.

What are the kotak wealth credit card fees?

  • Kotak corporate signature joining fee: None. 
  • Kotak credit card annual fee: None.

What are the kotak mahindra credit card benefits?

  • Add comfort to your travel:

Under the kotak bank credit card lounge access program, you will get free access to the Indian Dream Folks airport lounges. You will get a maximum of 2 free accesses per quarter. 

  • Get freedom from fuel surcharges:

If you use this kotak wealth signature card to purchase fuel you can make up to Rs. 3,500 annual savings on fuel surcharges. You can claim this fuel surcharge waiver offer at any fuel station in India. The transaction amount should be between Rs. 500 to Rs. 3,000.

  • Enjoy huge discounts on railway surcharges:

This kotak mahindra bank credit card offers an annual savings of Rs. 500 on railway surcharges, this kotak credit card offer is applicable on the tickets booked through www.irctc.com or from booking counters. 

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

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

  • Manage your expenses more conveniently:

The expense management tool allows you to track the spending related to each and every employee and vendor, Providing you complete transparency and control over your kotak mahindra signature credit card account. 

  • Get instant solutions anytime you need:

With this kotak mahindra free credit card, you will receive your service manager who can help you in any situation with his experience. You can call the kotak mahindra credit card helpline number to get instant assistance.

  • Stay updated with real-time alert service:

With the kotak mahhindra 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 card, then you can instantly block it from your kotak mahindra bank credit card online banking account.

  • Instant kotak mahindra credit card payment options:

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

  • Perfect travel companion for you:

This kotak corporate credit card works on the visa platform, which means you can use it at over 10 million+ outlets in the world. 

What are the kotak corporate card charges?


Payable amount

Kotak credit card cash withdrawal charges

None (check your kotak mahindra bank daily withdrawal limit before performing a withdrawal)

Kotak card finance Charge

The kotak credit card interest rate can go up to 3.10% monthly (Applicable if the outstanding balance is not cleared within your kotak mahindra credit card payment due date)

Kotak credit card international usage charge

3.50% against the transaction amount

Kotak mahindra add-on credit card fee


What are the kotak mahindra credit card customer care contact details?

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

100xGain Ratings:


Pros and cons of the kotak corporate credit card:



  • This kotak bank signature credit card gives you free access to most of the frontline airport lounges
  • You will get some handsome discounts on fuel and railway surcharges
  • It is a kotak mahindra lifetime free credit card.
  • It does not offer anything in the dining category
  • There are no reward or cash back benefits on this Kotak corporate credit card.

Final Opinion:

If you are looking for low-cost premium credit cards to fulfill your corporate needs, then this kotak free credit card is going to be a solid choice for you. It lets you enjoy free lounge access, discounts on fuel and railway surcharges, etc. Also, helpful tools like the spend tracker, and expense management tools will help you to run your business more smoothly. 

But, if you want a more premium option then feel free to visit our best corporate credit card page. You can also take a look at the alternative card options given below.

Alternative Cards: 

  1. American Express Corporate Credit Card (Best for lounge access and account management facility)
  2. IndusInd Bank Business Gold Credit Card (Best for offering reward points)
  3. Kotak Mahindra Corporate Gold Credit Card (Best for offering fuel surcharge waiver)

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