Kotak Infinite Credit Card
Kotak Mahindra Bank · Closed to new applicants
A by-invitation card for Kotak Wealth Management clients, no longer sold: no joining or annual fee, 5 reward points per ₹100 on hotels, restaurants, travel agencies, airlines and all international spends and 2 per ₹100 elsewhere, 4 domestic lounge visits a quarter, 2 free golf rounds a month and a 2% forex markup. Minimum credit limit ₹10 lakh.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 2 reward points per ₹100 on other spends: 2 Reward Points per ₹100 (about 1.4% at cash value)
- Lounges
- Domestic: 4 visits a calendar quarter
- Forex markup
- 2%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5 reward points per ₹100 on hotels, restaurants and airlines: 5 Reward Points per ₹100 (about 3.5% at cash value)
- 5 reward points per ₹100 on all international spends: 5 Reward Points per ₹100 (about 3.5% at cash value)
Earns nothing on
- No reward points on fuel, EMI and cash advances
Where the sources disagree
- interest rate: The page's old fee table says 3.10% a month (37.2% a year); the MITC lists Infinite at 3.50% a month. We use the MITC.
- cash advance fee: The page's old fee table says ₹300 per ₹10,000; the MITC's cash advance table lists Infinite under "all other credit cards", 2.5% with a ₹500 minimum. We use the MITC.
- fuel surcharge waiver: The page's text says ₹400-₹7,500 and ₹4,500 a calendar year; its fee table says ₹400-₹4,000; the MITC says ₹400-₹7,500 and an anniversary year. We use the MITC.
- rent fee on Infinite: The MITC's rent row exempts only White Reserve, Kotak Private and Kotak Solitaire from the 1% rent fee; the June 2025 MCC list puts Infinite among the cards the fee table does not apply to, rent included. We charge the fee, following the MITC's specific row, which is the more cautious reading.
Terms the calculator does not value
- Clause 4.34 of the MITC says Infinite earns points on whole multiples of ₹125, while its rewards table gives the rates per ₹100. The rates here follow the table and the calculator rounds each transaction down to ₹100.
- The 800 reward points a month credited free (page, an interim change in place of 2 free PVR tickets) are a fixed credit with no spend condition, which the format cannot express for a card with no annual fee; at the cashback rate they are about ₹6,700 a year.
- Catalogue redemption (flights, hotels, vouchers, merchandise, air miles) has no published value per point for this card, so only cashback is valued.
Sources
- Kotak Infinite Credit Card (Wealth Infinite) product page, eligibility and fees (existing cardholders only) (Product page, the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (fee table, interest, charges, reward-points tables) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Terms and Conditions, Complimentary Airport Lounge Access Program for Kotak Credit Cards (Reward terms, the bank's own, read 6 Nov 2026)
- List of MCCs for transaction fees and exclusions (1 Jun 2025) (Reward terms, the bank's own, read 6 Nov 2026)