Kotak League Platinum Credit Card Review


TypeEntry-Level Credit Card
Reward Rate0.66% – 3.33%
Annual Fee499 INR + GST
Best forAnnual spends of upto 2.5 Lakhs
USPMilestone Benefit

While Kotak league Platinum Credit Card is an entry-level credit card, it also has the ability to serve you with rewards as good as a premium credit card.

It’s a wonderful choice not only for entry-level customers, but also for Premium customers holding multiple credit cards with a need to hold a Kotak Credit Card to avail the merchant/festive offers once in a while.


Joining Fee499 INR+GST
Welcome BenefitRs.500 Movie voucher
Renewal Fee499 INR+GST
Renewal Fee WaiverSpend > 50,000 INR

The requirement for renewal fee waiver is pretty good for the rewards & benefits the card comes with.


Ongoing Rewards

< 2 LakhsRegular Spends40.66%
< 2 LakhsSpecial Categories81.33%
> 2 LakhsAll Spends81.33%
  • 1 Reward Point = 0.25 INR
  • Special Categories: Travel Agencies & Tour Operators, Package Tour Operators, Airlines and Air Carriers, Electric Sales, Durable Goods, Departmental Stores.

If I understand it right, if you’re not spending on special categories, you would get 0.66% until you reach 2L annual spend and then 1.33% for spends beyond 2 Lakhs.

Milestone Rewards

1,25,000 INR1st Jan – 30th June10,000 RP1,000 INR0.8%
1,25,000 INR1st July – 31st Dec10,000 RP1,000 INR0.8%
  • Milestone benefit: 4 free PVR tickets (or) 10,000 reward points
  • PVR Ticket Max. Value: 400 INR

So as you can see, 10K points option makes sense to most, over PVR vouchers. But 10K RP is converted to 40% (for unknown reasons) so it is 4K RP which gives value of Rs 1000, instead of the expected 2500 INR.

What this means is that if you are able to achieve the milestone spends, your reward rate can be as high as ~2.1% (spends on special categories, tricky though) or at-least ~1.5% which is still good for a card of this range.

Other Benefits

All Kotak Credit Cards comes with few other benefits like:

  • Railway Surcharge Waiver: Maximum railway surcharge waiver allowed is 500 INR / calendar year.
  • Fuel Surcharge Waiver: Applicable on transactions between 500 INR and 3000 INR. Maximum fuel surcharge waiver is 3500 INR / calendar year.

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