Kotak BizEdge Credit Card
Kotak Mahindra Bank · Open to apply
A business card for self-employed individuals, proprietors and owners with ₹10 lakh of relationship value at Kotak: 2 reward points per ₹150, 10 per ₹150 on business essentials (capped), and on flights and hotels booked on Kotak Unbox. ₹999 joining and annual fee, waived on ₹2 lakh of spend, a 55-day interest-free period and no cash withdrawals.
- Annual fee
- ₹999 + GST a year
- Joining fee
- ₹999 + GST
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- Base rate
- 2 reward points per ₹150 on other spends: 2 Reward Points per ₹150 (about 0.33% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 reward points per ₹150 on business essentials (tax, utilities, insurance, government, fuel, telecom, office, electronics): 10 Reward Points per ₹150 (about 1.67% at cash value)
- 10 reward points per ₹150 on flights and hotels booked on Kotak Unbox: 10 Reward Points per ₹150 (about 1.67% at cash value)
Earns nothing on
- No reward points on rent, wallet loads, education and EMI
Where the sources disagree
- reward point validity: The page and T&C say points are valid 36 months; the commercial MITC (7.3.21) says 2 years for corporate cards. We use the card's own T&C.
Terms the calculator does not value
- The commercial MITC states no dynamic currency conversion fee for this card, so the issuer's 3.5% default shows on the card page; only the 3.5% forex markup is stated.
- Visa variant only: 10 reward points per ₹150 on SaaS and business-software spends on the Nuclei platform (accelerated, up to 1,00,000 points). The platform is not a portal here, so the spend earns the base rate in the calculator.
- Accelerated points on flights and hotels via Unbox and SaaS are capped at 1,00,000 reward points; the T&C and page give no period for the cap, so it is not entered (it is far above the points a typical card earns).
- The commercial MITC (5.6) lists transaction fees of 1.1% on utility and insurance payments and 0.7% on education and post office payments for corporate cards; its BizEdge table (5.7) does not repeat them, so they are not entered. If they apply, they cost the utility and insurance spend the card rewards most.
Sources
- Kotak BizEdge Credit Card product page (rewards, fees) (Product page, the bank's own, read 6 Nov 2026)
- Kotak Commercial Credit Card MITC (fees, interest, BizEdge table 5.7, eligibility) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Kotak BizEdge Credit Card rewards T&C (MCC tables, accelerated rewards, redemption) (Reward terms, the bank's own, read 6 Nov 2026)