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Kotak Bank Credit Card

Kotak Mahindra is one of most reputed Finance Companies in India. Kotak Mahindra Bank has launched its Credit Cards on May 13, 2008 in four different variants - Fortune Gold Card, Trump Gold Card, League Platinum Card and Royale Signature Card, Kotak Credit cards come with some unique features like Fortune Gold Card has 0% charges for cash withdrawal for maximum 48 days. The bank also offers special services personal concierge for its credit card customers.

Features

Card Name Fortune Gold Card Trump Gold Card League Platinum Card
Network Visa Visa Visa
Joining Fee (in rupees) Free Free 3000-12000
Annual Fee (in rupees) Free Free Free
Add On Card - Issue Fee 149 149 NA
Interest Rate -on revolving Credit 44.24% p.a 44.24% p.a 44.24% p.a
Interest Rate -on Cash Withdrawal 44.24% p.a (0% for a max of 48 days) 44.24% p.a 44.24% p.a
Interest Rate - on Balance Transfer 0% 0% 0%
Reward points  )NA NA 1.25 point for every Rs 100 spend
Surcharge on Fuel 2.5% Fuel Surcharge Waiver across all Fuel Pumps( for transaction between Rs 400-4000) 2.5% Fuel Surcharge Waiver across all Fuel Pumps( for transaction between Rs 400-4000) 2.5% Fuel Surcharge Waiver across all Fuel Pumps( for transaction between Rs 400-4000)
Cash Withdrawal Fee Rs 199/Rs10,000 Rs 199/Rs10,000 Rs 199/Rs10,000
Late Payment Charges Rs 350 Rs 350 Rs 350
Late Payment Fee Rs 350 Rs 350 Rs 350
Overlimit Charges 500 500 500
Maximum Credit Free Period 48 days 48 days 48 days
Add On Card -Annual fee Free Free Free
EMI on call facility Yes Yes Yes
Interest Rate on EMI on call 0% 0% 0%
Processing fee on EMI on call 0% 0% 0%
Repayment charges for EMI on call 0% 0% 0%
Personal loan facility on Credit card NA NA NA
Interest Rate on Personal loan facility on Credit card NA NA NA
Processing fee on Personal loan facility on Credit card NA NA NA
Prepayment charges for Personal loan facility on Credit card NA NA NA
Railway Booking surcharge 1.8% or 2.5% waived on transaction amount(Maximum Railway surcharge waiver of only Rs500) 1.8% or 2.5% waived on transaction amount(Maximum Railway surcharge waiver of only Rs500) 1.8% or 2.5% waived on transaction amount(Maximum Railway surcharge waiver of only Rs500)
Balance transfer processing charges Rs 199 Rs 199 Rs 199
Minimum Repayment Amount Min 5% Min 5% Min 5%
Foreign Currency Transaction-Surcharge 3.50% 3.50% 3.50%

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