Kotak Mahindra Bank logo
•••• •••• •••• 4821
KOTAK ESSENT
Kotak Mahindra Bank logo Kotak Mahindra Bank

Kotak Essentia Platinum Credit Card

★ ★ ★ ★ ★ 3.9/5
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✅ Verified November 2026 📋 Data from official bank website 🔗 Apply link goes directly to bank Always check official bank site before applying
💳
Annual Fee
₹749
🎁
Joining Fee
₹1,499
⭐
Our Rating
3.9/5
🛋️
Lounge Access
None
💱
Forex Markup
3.5%
✅
Best For
Homemakers and families spending heavi...
🎁
Primary Reward / Cashback
10% off on grocery; 3 Reward Points per ₹100 on grocery
Cashback Shopping

The Kotak Essentia Platinum Credit Card from Kotak Mahindra Bank is a popular credit card for Homemakers and families spending heavily on groceries. Here is a complete breakdown of all benefits, fees and our honest rating.

⏱ 1 min read📅 24 Mar 2026✍️ Raj Thakur
✅ Verified November 2026  ·  🔍 Reviewed by editorial team  ·  📊 Official bank data

Key Benefits

  • Rewards: 10% off on grocery; 3 Reward Points per ₹100 on grocery
  • Annual Fee: ₹749
  • Joining Fee: ₹1,499
  • Lounge Access: None
  • Forex Markup: 3.5%

Best For

Homemakers and families spending heavily on groceries

Our Honest Take

The Kotak Essentia Platinum Credit Card delivers solid value if your spending matches its reward structure. Compare it against alternatives in the same category before applying. Always verify current terms on the bank official website before applying.

RT
Raj Thakur
Credit Card Analyst · 10BestCreditCards.com

Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.

⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.

Frequently Asked Questions

The annual fee is ₹749. Check if you qualify for a fee waiver based on annual spend.
Homemakers and families spending heavily on groceries
10% off on grocery; 3 Reward Points per ₹100 on grocery
Click the "Apply Now" button on this page. It takes you directly to the official Kotak Mahindra Bank application page. You will need your PAN card, Aadhaar and income proof.
Ready to apply?
Kotak Essentia Platinum Credit Card
Annual fee: ₹749
Apply at Kotak Mahindra Bank →
You will be taken to the official bank website. 10BestCreditCards.com is not affiliated with any bank.

Quick Summary

Annual Fee ₹749
Joining Fee ₹1,499
Lounge Access None
Forex Markup 3.5%
Our Rating 3.9/5 ⭐
Kotak Mahindra Bank logo
Kotak Mahindra Bank
See all Kotak Mahindra Bank cards →
⚠️ Card details are updated regularly but may change. Always verify fees, rewards and eligibility on the official bank website before applying.

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