Kotak Mahindra Essentia Platinum Credit Card Review

Kotak Mahindra Essentia Platinum Credit Card is a credit card for daily use, this card is particularly beneficial for smart shoppers. It offers reward points on your daily expenses. You can also earn some benefits like benefits on achieving the milestone, add-on facility, contactless payment option, priority attend service, spend tracker facility, and lots more. Now discuss the benefits of this card in detail.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹3 lakh annually. (Minimum)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹3 lakh annually. (Minimum)
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

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
      • Recent audited financial report. 


  • Joining Fee: ₹1499 + GST
  • Annual Fee: ₹749 + GST


  • Reward benefit:

With this card, you can earn up to 10 savings points on each ₹ 100 transactions at any departmental and grocery store. 

You can win a maximum of 500 savings points in a month, the transaction amount should be between ₹1500 to ₹4000. 

Each savings point is equal to ₹ 1.

In other categories, you can win 1 savings point for each ₹ 250 transactions.

  • Milestone benefit:

If you spend ₹1,25,000 within 6 months, you will get either 6 free PVR tickets or 1200 reward points

PVR tickets can be used any time through online booking and the rewards points can be used to book flight tickets, movies, mobile recharge, and also to pay for any branded merchandise.

  • World of offers:

There is no end of benefits and features with Kotak Mahindra Essentia Platinum Credit Card. You can enjoy great offers and discounts on hotels, dining at premium restaurants, and movie tickets.

  • Priority attend:

Kotak Mahindra has introduced a new feature called the Priority Attend Service. With this feature, you will get an answer to your questions with just an SMS. Just text KASSIST at 5676788 and they will call you within 30 min.

  • Add on card:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • Spend tracker for add on card:

This feature allows you to track the spending of your add-on members, it gives you more control over your account.  

  • Customizable spend limit:

With this feature, you can easily set a limit for each of your add-on members. This feature is very helpful in setting up a monthly budget. 

  • Worldwide acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the Visa Cards are accepted.  

  •  Contactless facility:

This card comes with a contactless payment facility, not only it is convenient to make payments, but also it has reduced the risk of skimming. 


  • Cash Withdrawal Charge: ₹300 per ₹1000 withdrawal, or a part of the amount.  
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800-266-2666

Mail: [email protected] 

100xGain Ratings:


Final Opinion:

This card is beneficial for those who want to earn benefits from their everyday uses, mostly from departmental and grocery stores. You will get 10 savings a point on departmental and grocery stores, Priority attend service, add-on facility, opportunity to earn some bonus ward, spend tracker facility, and lots more with this card. 

But this card does not feature any benefits on online shopping, dining, lounge access, and fuel purchase. So if want to have all the benefits in a credit card then you can go for HDFC Millennia Card. And if you want to earn reward points then you can go for IndusInd Bank PAYBACK Credit Card.

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