CardShortlist
Browse cards
CompareAbout
Find my card

CardShortlist is an independent comparison tool, not a bank or card issuer. Card details are for information only, so always confirm current terms with the issuer before applying.

Some links on this site are affiliate links; we may earn a commission if you apply through them. This never affects how cards are scored or ranked.

© 2026 CardShortlist. Contact: [email protected]

About & methodologyPrivacyTerms
Kotak Mahindra Bank
RuPay
League Platinum

Kotak Mahindra Bank League Platinum

Entry-level RuPay card with ₹499 fee waived on ₹50,000+ annual spend, UPI QR-code payments, and higher rewards on travel and category purchases.

first-timersfees-freelifestylerupay-upi

Also available on Visa

Kotak Mahindra Bank League Platinum is issued on more than one network — each has different rewards and lounge access.

  • Kotak Mahindra Bank
    VISA
    League Platinum

    Visa variant

    Kotak has also offered League Platinum on RuPay (Lifetime Free) since Jan 2023 per community and Kotak-sponsored coverage — no first-party product page was directly reachable to independently confirm this. The RuPay edition adds UPI-app linking and had a city-restricted rollout at last report; fees, eligibility, and reward rates otherwise match this Visa edition.

Last reviewed 25 July 2026

Fees

Joining fee

₹499

Annual fee

₹499

Waiver: Waived on annual retail spend of ₹50,000 or more

Eligibility

Age: 21–60 yrs

Employment: salaried, self employed, business owner

Rewards

travel5.3x points
all other2.7x points

Welcome benefits

  • • 5,000 reward points (worth ₹500) credited after joining fee realization (joining-fee variant only)

Perks

  • ✓Fuel surcharge waiver: 1%
  • ✓Forex markup: 3.5%
  • ✓Card protection cover up to ₹1,25,000 against loss/theft within 7 days
  • ✓1.8% railway surcharge waiver on IRCTC transactions, max ₹500/year
  • ✓Fuel surcharge waiver capped at ₹3,500 annually (on transactions between ₹500–₹4,000)
  • ✓8 reward points per ₹150 on special categories (travel, airlines, department stores, durable goods, electric sales); base 4 points per ₹150 on other spends, rising to 8 points per ₹150 once annual spend crosses ₹2 lakh
  • ✓Can be linked to UPI apps (Google Pay, PhonePe, etc.) for QR-code payments drawing directly on the card's credit line — the main practical difference from the Visa variant
  • ✓Reward points are not earned on fuel and railway transactions, per Forbes India's Kotak-sponsored coverage
  • ✓RuPay has narrower international acceptance than Visa as a primarily domestic network; the 3.5% forex markup shown is a standard-tier estimate carried over from the Visa variant, not separately published for RuPay

Common questions

What is the annual fee on the Kotak Mahindra Bank League Platinum?
The joining fee is ₹499. The annual fee is ₹499. Waived on annual retail spend of ₹50,000 or more
What are the reward rates on the Kotak Mahindra Bank League Platinum?
Kotak Mahindra Bank League Platinum earns 5.3x points on travel, 2.7x points on all other spends.
Does the Kotak Mahindra Bank League Platinum offer airport lounge access?
No, the Kotak Mahindra Bank League Platinum does not include complimentary airport lounge access.
Who is eligible for the Kotak Mahindra Bank League Platinum?
Applicants typically need a minimum annual income of ₹5,00,000, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by Kotak Mahindra Bank and can vary by application.
Is the Kotak Mahindra Bank League Platinum available on other networks?
Yes, it's also issued on Visa. Kotak has also offered League Platinum on RuPay (Lifetime Free) since Jan 2023 per community and Kotak-sponsored coverage — no first-party product page was directly reachable to independently confirm this. The RuPay edition adds UPI-app linking and had a city-restricted rollout at last report; fees, eligibility, and reward rates otherwise match this Visa edition.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
5.3x points
₹
2.7x points
Estimated annual value—
Apply now

You might also like

Annual fee

₹4,500

Up to

2x points

View details →

Annual fee

₹10,000

Up to

2x points

View details →

Annual fee

₹5,000

Up to

2x points

View details →