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Kotak Mahindra Bank
VISA
League Platinum

Kotak Mahindra Bank League Platinum

An entry-level, easily fee-waived card with accelerated rewards on travel, department stores, and durable goods.

first-timersfees-freelifestyle

Also available on RuPay

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

  • Kotak Mahindra Bank
    RuPay
    League Platinum

    RuPay variant

    Same lifetime-free-eligible, ₹499-fee League Platinum product as the Visa variant, but on the RuPay network, which allows the card to be linked to UPI apps for QR-code payments drawing on the card's credit limit. Kotak has offered League Platinum in both RuPay and Visa variants since January 2023, per community reporting (TechnoFino) and Kotak-sponsored coverage (Forbes India Brand Connect) — a prior research pass could not locate an official Kotak product page that names the RuPay variant directly (Kotak's card-detail pages appear to select network via client-side JS not captured by automated fetch), so this record relies on two independent non-official corroborating sources rather than a direct official confirmation; treat the RuPay-specific details (city availability, UPI mechanics) with that caveat in mind. Per Forbes India's Kotak-sponsored piece, the RuPay variant was, at time of that publication, available only in select cities (Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Pune) — confirm current city availability before applying.

Last reviewed 13 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

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 RuPay. Same lifetime-free-eligible, ₹499-fee League Platinum product as the Visa variant, but on the RuPay network, which allows the card to be linked to UPI apps for QR-code payments drawing on the card's credit limit. Kotak has offered League Platinum in both RuPay and Visa variants since January 2023, per community reporting (TechnoFino) and Kotak-sponsored coverage (Forbes India Brand Connect) — a prior research pass could not locate an official Kotak product page that names the RuPay variant directly (Kotak's card-detail pages appear to select network via client-side JS not captured by automated fetch), so this record relies on two independent non-official corroborating sources rather than a direct official confirmation; treat the RuPay-specific details (city availability, UPI mechanics) with that caveat in mind. Per Forbes India's Kotak-sponsored piece, the RuPay variant was, at time of that publication, available only in select cities (Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi-NCR, Hyderabad, Kolkata, Mumbai, Pune) — confirm current city availability before applying.

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—
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