Kotak Essentia Platinum Credit Card Review

If you want to earn reward points for your shopping expenses, then you would love the kotak mahindra essentia platinum credit card. It is a reward credit, Crafted specifically for frequent shoppers. Offering exclusive deals on shopping and dining and extra rewards on milestone spending, this card brings so much value with it that can easily neutralize the Rs.749 annual fee. To know more about this kotak mahindra card make sure to check the details given below. 

Who can apply for the kotak essentia platinum credit card?

  • Resident Type: Indian. 
  • Kotak Mahindra credit card eligibility criteria for salaried person:
    • Age: 21 to 65 yrs. 
    • Income: Rs.3 lakh annually. (Minimum)
  • Kotak credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs.3 lakh annually. (Minimum)
  • A CIBIL Score of 700+ is needed to get approval for this essentia platinum credit card.

You can apply for your desired credit card from the online kotak credit card application portal. The complete credit card application  process can be found on our faq page.

What documents are required to apply for kotak 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:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

To make your card more secure during shipment, all new kotak bank credit cards are delivered in an inactive state. The users can activate them by generating a new kotak credit card pin. You can find more about the kotak credit card pin generation process from our kotak FAQ page.

What are the Kotak essentia platinum credit card fees?

  • Kotak essentia credit card joining fee: Rs.1499 + GST
  • Kotak essentia credit card annual fee: Rs.749 + GST

What are the kotak mahindra bank credit card benefits?

  • Get rewarded for every transaction you make:

The kotak platinum card reward points are offered like this.

Category of transaction

Rate of earning kotak credit card rewards

Transactions made at departmental and grocery stores 10 kotak credit card rewards for each Rs.100 transaction
Transactions made on all other categories 1 kotak reward point for each Rs.250 transaction

The transaction amount should be between Rs.1500 to Rs.4,000 and you can earn a maximum of 500 kotak mahindra reward points in a month. One kotak reward points value is equal to Rs.1. 

  • Earn extra benefits from milestone spending:

On spending Rs.1,25,000 within 6 months, this kotak platinum credit card offers two bonus gift options: 6 PVR tickets or 1200 kotak credit reward points.

You can use those tickets anytime you want, and the kotak bank reward points can be used for mobile recharge, travel booking, monthly bill payment, etc. You can also use them to get a product from the kotak rewards redemption catalog.

  • Enter the world of countless offers:

From time to time this kotak mahindra essentia platinum credit card comes with exclusive discounts on hotel booking, dining at premium restaurants, and lots more.

  • Get complete control over your account:

You can now set a custom limit for your add-on members from your kotak credit card online banking account. This feature will help you in maintaining a monthly budget.

  • Instant kotak mahindra credit card bill payment options:

You can make your kotak mahindra credit card payment online from your net banking account or from any credit card payment app like Google Pay, Cred, Paytm, etc. But if you don’t have access to those payment options, then you can also pay your monthly kotak credit card bill from your nearby Kotak Mahindra branch.

  • Enjoy the convenience of the contactless payment facility:

This kotak mahindra platinum credit card comes with a contactless payment facility, it allows you to make payments just by placing your card over any POS machine that accepts contactless credit card payments.

What are the kotak platinum credit card charges?


Payable amount

Kotak credit card withdrawal charges Rs.300 per Rs.1000 withdrawal, or a part of the amount (check your kotak mahindra bank credit card limit before making a withdrawal)
Kotak card finance charge 3.50% monthly (applicable if you don’t pay your kotak credit card bill on time)
Kotak credit card international transaction charges 3.5% against the transaction amount
Kotak add-on credit card fee Rs.299 per year

How to contact the kotak credit card customer care department?

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

100xGain Ratings:


Pros and cons of the kotak essentia platinum credit card:



  • This kotak credit card features a good amount of rewards on dining expenses
  • The rate of earning kotak credit card rewards is also good
  • The kotak rewards points are only offered on shopping expenses.
  • This card has nothing to offer in movie or dining categories

Final Opinion:

Kotak Mahindra is no longer taking new applications for this kotak platinum credit card, so if you were planning to apply for this card, then don’t be disappointed. There are several credit card options available on our best rewards credit card page, go there and choose the card that suits your needs. You can also compare the alternative card options given below.

Alternative Cards: 

  1. Bandhan Bank Standard Chartered Plus Credit Card (Best for offering reward points)
  2. Indusind Bank Gold Credit Card (Best for offering reward points)
  3. RBL Travel & Entertainment Credit Card (Best for reward points and fuel surcharge waiver)
  4. SBI Elite Credit Card (Best for reward points and lounge access benefits)

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