Kotak Biz Credit Card
Kotak Mahindra Bank · Open to apply
A Visa Platinum card for self-employed people, proprietors and partners: 4 reward points per ₹100 on travel, airlines, hotels and supermarkets, 1 per ₹100 elsewhere, domestic lounge access on quarterly spend, and travel insurance. ₹299 joining and ₹499 annual fee.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹299 + GST
- Base rate
- 1 Reward Point per ₹100 on other spends: 1 Reward Points per ₹100 (about 0.2% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 4 Reward Points per ₹100 on travel and tour operators, airlines, hotels and supermarkets: 4 Reward Points per ₹100 (about 0.8% at cash value)
Earns nothing on
- No points on wallet loads, fuel, rent and online skill-based gaming
- No points on EMI transactions and cash advances
Where the sources disagree
- points earned in multiples of ₹100 or ₹150: The reward table and page give 4 and 1 points per ₹100; MITC clause 4.34 lists Kotak BIZ among cards earning in integer multiples of ₹150. We use the per-₹100 rates.
Terms the calculator does not value
- "Direct marketing and advertising services" (4 points per ₹100) and Flipkart B2B (listed in the MITC reward table) are accelerated categories not entered, because the matching spend categories are broader than the card's MCCs. Airlines are domestic only, but the flights category includes all airlines.
- The number of complimentary lounge visits a quarter is not stated, so the lounge benefit is not valued.
Sources
- Kotak Mahindra Bank credit card MITC and Cardholder Agreement (PDF created 30 Oct 2026, read 6 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Kotak Biz Credit Card - business credit card (product page) (Product page, the bank's own, read 6 Nov 2026)