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Premium Card Series
Kotak Essentia Platinum Credit Card
The Essentia Platinum card by Kotak Mahindra bank is one of the entry-level credit cards. Still, it can be very rewarding if it fits your spending hab
Security
Advanced protection for all transactions
Instant
Immediate digital card access
Rs. 1,499 + GST
Joining Fee
Rs. 749 + GST
Renewal Fee
24/7
Support
Meet Kotak Essentia Platinum Credit Card
The Essentia Platinum card by Kotak Mahindra bank is one of the entry-level credit cards. Still, it can be very rewarding if it fits your spending habits and used the right way. There is no other credit card in the Indian market that is more rewarding as far as grocery and essential spends are concerned. If that is how you’re gonna use your card, just close your eyes and sign up for this Essentia Platinum credit card; you certainly can not go wrong with this one. The card gives you a 10% return on grocery spends as Saving Points which can be redeemed at Kotak Rewards portal or used as cash at partner merchants (one saving point is equivalent to Re. 1). Doesn’t it sound cool to earn Saving Points for grocery spends and redeem them for a flight ticket on your next vacation!
Kotak Essentia Platinum Credit Card MEMBERSHIP
JOINING FEERs. 1,499 + GST
Detailed Card Information
Everything You Need to Know
Discover the comprehensive benefits and features that make Kotak Essentia Platinum Credit Card the perfect choice for those who demand excellence.
Spend- Based Waiver
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% + GST
Interest Rates
3.50% per month or 42% annually
Fuel Surcharge
Applicable, subject to a minimum surcharge of Rs. 10
Cash Advance Charges
Rs. 300 per Rs. 10,000 (or part thereof) withdrawn.
Movie & Dining
6 movie tickets by PVR on the expenditure of Rs. 1,25,000 in 6 months.
Rewards Rate
10 Saving Points/Rs. 100 on purchases made at grocery and departmental stores and 1 Saving Point/Rs. 250 on all other spends
Reward Redemption
Saving Points redeemable on Kotak Rewards portal for travel-related spends, shopping, mobile recharge, shopping vouchers and movie tickets. The Saving Points can also be used as cash (1 Point = Re. 1) at partner merchants.
Travel
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Golf
NA
Insurance Benefits
Insurance cover worth Rs. 1.25 lakh against unauthorized transactions up to 7 days prior to reporting the loss of card.
Reward Points earned as Saving Points for all transactions.
10 Saving Points for every Rs. 100 spent on departmental and grocery stores (min transaction of Rs.1,500 and max transaction of Rs. 4,000).
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.
Support for contactless payment with Visa payWave. No PIN required for transactions up to Rs. 5,000.
Priority assistance with KASSIST.
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Reward Points earned as Saving Points for all transactions.
10 Saving Points for every Rs. 100 spent on departmental and grocery stores (min transaction of Rs.1,500 and max transaction of Rs. 4,000).
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.
Support for contactless payment with Visa payWave. No PIN required for transactions up to Rs. 5,000.
Priority assistance with KASSIST.
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