Kotak Veer Select Credit Card Review

Kotak Mahindra bank and the National Payments Corporation of India (NPCI) have jointly launched the Kotak veer select credit card to honor the Indian armed forces officials. It offers valuable kotak credit card rewards (veer points) with every transaction, free access to airport lounges, big discounts on fuel and railway surcharges, complimentary lost card liability coverage, and lots more. More about kotak credit card benefits are discussed below.

How does kotak mahindra bank credit card eligibility work?

This card is exclusively available for armed forces officials only.

  • Resident Type: Indian
  • Kotak bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 years.
    • Income: Above Rs.45,000 monthly
  • Kotak credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 years.
    • Income: Above Rs.50,000 monthly
  • A credit score of 700+ is required to apply for this kotak credit card.

What documents are required to apply for the Kotak veer select credit card?

  • Photocopy of Address proof (any 1)
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the Kotak veer select credit card fees?

  • Kotak credit card joining fee: None.
  • Kotak credit card annual fee: Rs.599 + GST (can be waived off on spending Rs.1,00,000 in an anniversary year)

What are the benefits of Kotak Mahindra credit card?

  • A huge joining bonus to welcome you:

Once your kotak credit card pin generation process is complete, and spend Rs.500 with your card within the first 30 days of card activation, you will receive a complimentary IHO membership worth Rs.8500.

  • Make your transactions more rewarding:

This kotak bank credit card offers veer points for every transaction you made using this card. The details are mentioned below.

Category of transaction

Kotak credit card reward points

Dining, movies, departmental stores, and groceries 9 reward points for every Rs.200 transaction
Other categories 3 reward points for every Rs.200 transaction

You can keep track of your kotak bank credit card status from your kotak credit card net banking account.

  • Add more comfort to your travel:

Your kotak credit card features 8 complimentary access (up to 2 free access per quarter) every year to most of the leading domestic airport lounges.

  • Earn huge discounts on fuel surcharges:

Using your kotak veer card you can earn a 1% waiver on fuel surcharges across all fuel stations in India.

  • Get freedom from railway surcharges:

This kotak credit card offers a 1.8% surcharge waiver on railway tickets booked from the IRCTC website and a 2.5% waiver on railway tickets booked from railway ticket booking counters.

  • Opportunity to make your card lifetime free:

On spending Rs.1,00,000 with your card within an anniversary year, you can get a complete waiver on your next year’s kotak credit card annual charges.

  • Complimentary insurance coverage:

This kotak mahindra bank credit card comes with a lost card liability coverage of Rs.2,50,000. So if your card ever gets lost or stolen, you just have to report it by calling the kotak mahindra credit card customer care number, and you will no longer be liable for anything bad that may happen to your account.

  • Advanced security arrangements:

Your Kotak veer credit card is equipped with the advanced EMV chip, this chip with its new-gen encryption method makes your card nearly impossible to clone.

What are the kotak credit card charges?


Chargeable amount

Kotak credit card cash withdrawal charges Rs.300 for every Rs.10,000 withdrawal (check your kotak credit card limit before making a withdrawal)
Finance charge  3.5% monthly (42% annually) (applicable if your kotak credit card payment is not made in time)
Kotak credit card international transaction charges 3.5% against the transaction amount
Add on card fee None

How to contact the kotak credit card customer care department?

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

100xGain Ratings:


Pros and cons:



  • The reward earning rate of this card is quite impressive.
  • You can get free access to airport lounges.
  • This kotak mahindra credit card comes with complimentary lost card liability coverage.
  • You will not get any dining or entertainment benefits from this card.

Final Opinion:

If you love earning reward points with every transaction, then you would love the Kotak Veer Select Credit Card. This kotak bank credit card features a very impressive reward-earning rate, free access to domestic airport lounges, huge discounts on fuel and railway surcharges, etc. 

But this card does not feature any special discount offer on dining and entertainment categories, and it is exclusively available for armed forces officials. So if you are looking for some alternative card options, then make sure to check the alternative card options given below.

Alternative Cards:

  1. Axis Bank Neo Credit Card (Best for cashback, and movie benefits)
  2. Bajaj Finserv RBL Bank World Prime SuperCard (Best for lounge and movie benefits)
  3. HDFC World MasterCard Credit Card (Best for lounge access and travel benefits)

FAQs on Kotak Veer Select Credit Card:

  • Can I get credit card for 15000 salary?

You can definitely get a credit card with Rs.15,000 monthly salary, but the options would be limited and the cards won’t be that good. 

  • Does Kotak credit card have an annual fee?

It depends on the card variant, some kotak credit cards are lifetime free, which means they don’t have any annual fee.

  • How to activate kotak credit card?

The new ​​kotak credit card activation process can be done from your kotak bank credit card net banking account, or you can visit your nearby Kotak ATM and activate your card from there. The complete process is discussed in detail on our faq page.

  • How to close kotak credit card?

If you don’t want to continue with your old kotak credit card, then you can just visit your nearby Kotak branch and ask them to close your account. The bank will help you throughout the process.

  • How to redeem kotak credit card points?

You can use your kotak credit card points to book a flight or hotel or to get a product from the kotak credit card reward catalogue. You can also redeem them in cash.

  • How to check kotak credit card balance?

You can log in to your net banking account or use the kotak credit card app to check your kotak credit card balance. Also, if you are confused with the process, then you can get some help from our faq page.

  • How to increase kotak credit card limit?

After using your kotak credit card for a certain period of time, you can apply to increase your kotak bank credit card limit, and if you can provide enough evidence to support your claim, your limit will be increased.


Leave a Reply

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