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.
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.
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.
