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Joining Fee
₹1,500 + GST
Annual Fee
₹1,500 + GST
Reward Rate
4 RP/₹100 on dining/international; 2 RP/₹100 all others
Lounge Access
2 domestic + 1 international per quarter
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 4 Reward Points per ₹100 on dining and international spends
  • 2 Reward Points per ₹100 on all other eligible spends
  • 2 domestic + 1 international lounge visit per quarter
  • 2 free movie tickets/month
  • Dining privileges at 300+ restaurants
  • Annual fee waiver on ₹3L spend
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Welcome & Joining Benefits
  • 500 RP on joining
Milestone Benefits
  • ₹3L annual spend → fee waiver
Pros & Cons

✓ Advantages

  • 4X on dining — good for restaurant lovers
  • International lounge access quarterly
  • Movie tickets + dining combo
  • Fee waived at ₹3L

✗ Disadvantages

  • 3.5% forex
  • Limited international lounge (4/year)
Frequently Asked Questions
Can I transfer Kotak points to miles?
Kotak Reward Points can be redeemed for travel vouchers and merchandise but do not directly transfer to airline miles programs as of 2025. Points are redeemable via Kotak's rewards portal at 1 RP = ₹0.25.
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