Kotak Essentia Platinum Credit Card

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Kotak Essentia Platinum Credit Card

Maximize your everyday purchases with the Kotak Essentia Platinum Credit Card—earn exclusive rewards on groceries, dining, fuel, and more, with no annual fee.

  • fuel offer
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Details for Kotak Essentia Platinum Credit Card

Get more from every purchase with the Kotak Essentia Platinum Credit Card. Earn valuable rewards on groceries, dining, fuel, and more. Enjoy exclusive benefits with no annual fee and easy reward redemption for your everyday needs.

₹
Joining Fee

1499

₹
Annual Fee

0

Lounge Offer

  • No

Reward Points

  • 10 Saving Points/Rs. 100 on purchases made at grocery and departmental stores and 1 Saving Point/Rs. 250 on all other spends
  • Reward Points earned as Saving Points for all transactions.
  • Saving Points earned on purchases from grocery and departmental stores capped at 500 Points/month.
  • 1 Saving Point for every Rs. 250 on all other spends (no cap in this case).
  • 1 Saving Point = Re. 1 redeemable on Kotak Rewards Portal or for payments at partner merchants.
  • 6 movie tickets or 1200 Reward Points on expenditure of Rs. 1,25,000 in 6 months.

Additional Benefits

  • Movie & Dining
  • Reward Redemption
  • Insurance Benefits
  • Foreign Currency Markup
  • Milestone Benefits
  • Fuel Surcharge Waiver
  • Rewards Points

pros

  • Exclusive Introductory Offers
  • Fuel Surcharge Waiver
  • Premium Travel Privileges
  • Accelerates Credit History Building
  • Lifetime Free Card
  • Flexible Payment Solutions
  • Hassle-Free Cash Advances
  • Comprehensive Rewards on Utility Payments and More
  • Flexible EMI Options
  • Valuable Membership

Cons

  • Absence of Lounge Access
  • No Lifetime Free Card Option
  • Restricted Category Cashback
  • Missing Contactless Payment Features
  • Less Milestone Benefits
  • Absent Annual Fee Waiver

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