Kotak Mahindra Fortune Gold Credit Card Review

The kotak fortune gold credit card is a solid choice for small business owners looking for a zero annual fee credit card for their business. While this card does not feature any exciting travel perks or free lounge access, it provides an interest-free cash withdrawal facility, an instant balance transfer option, complimentary liability coverage, and several other facilities which makes this kotak bank card really useful for small business owners. 

Who can apply for the Kotak fortune gold credit card?

Only a businessman can apply for this kotak card.

  • Resident Type: Indian. 
  • Kotak credit card eligibility criteria for salaried person:
    • Age: NA
    • Income: NA
  • 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 apply for this kotak gold credit card.
  • This kotak card is available only in some specific locations, including Kolkata, Mumbai, Delhi, Noida, Bangalore, Hyderabad, etc. 

What documents are required to apply for a kotak mahindra bank 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 photographs
  • Proof of income statement:
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

 What are the Kotak fortune gold credit card fees?

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

What are the Kotak Mahindra Fortune gold card benefits?

  • Enjoy attractive kotak credit card fuel surcharge waivers:

This kotak credit card offers up to Rs.3500 annual waiver on fuel surcharges. The transaction amount should be between Rs.500 – Rs.3000.

  • Complimentary lost card liability coverage:

This kotak mahindra bank credit card features Rs.50,000 coverage against lost or stolen cards. So, if your card ever gets lost or stolen, then you just have to report it by calling the kotak mahindra bank credit card helpline no, and you will not be liable for anything wrong that may happen to your account.

  • Get an opportunity to earn something extra:

On spending Rs.1,50,000 in a year, this business credit card offers 4 PVR tickets or Rs.750 Cash-Back. You can use those tickets on any day and for any show.

  • Enjoy an interest-free credit card cash withdrawal facility:

You can use your Kotak fortune card to withdraw cash from any ATM and can also enjoy the regular credit card interest-free period of 48 days. Applicable charges are discussed below.

  • Experience instant credit card balance transfer facility:

This kotak card allows you to transfer the outstandings of your other cards to this kotak fortune credit card. Applicable processing fee; Rs.349 for every Rs.10,000 transfer.

  • Your perfect travel companion:

This kotak bank credit card is globally accepted, you can use this card at any outlet or e-commerce site where visa credit cards are accepted.  

What are the kotak fortune gold credit card charges?


Payable amount

Kotak credit card cash withdrawal charges

Rs.199 for every Rs.10,000 withdrawal (check your available kotak credit card limit before making a withdrawal)

Kotak mahindra card finance charge

The kotak credit card interest rate can go up to 3.50% monthly or 42% annually (applicable if your kotak card payment is not made in time)

Kotak international credit card transaction charge

3.50% against transaction amount

Add-on card fee

Rs.299 per add on credit card

How to contact the kotak mahindra credit card customer service department?

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

100xGain Ratings: 


Pros and cons of the kotak gold credit card:



  • This kotak card offers a handsome annual waiver on fuel surcharges.
  • It is a kotak lifetime free credit card.
  • You will not get any lounge or travel benefits from this kotak card.
  • There are no cash back or discount offers on this kotak gold credit card.

Final Opinion:

If you own a small business or startup and are looking for a basic business credit card just to get better control over your business transactions, then the kotak fortune credit card would be a perfect choice for you. 

But you can’t get this card anymore since Kotak Mahindra Bank has discontinued this card. Therefore, I would recommend you take a look at our best business credit cards page, you can also compare the alternative card options given below, it will help you in making an informed decision.

Alternative cards of the kotak gold fortune credit card:

  1. BOB Premier Credit Card (Best for lounge benefits) 
  2. Indusind Bank Duo card (Best for lounge benefits)
  3. Kotak Mahindra Delight Platinum Card (Best for entertainment benefits) 
  4. UBI Classic Credit Card (Best for reward points)

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