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Kotak Mahindra Bank Credit Cards

Kotak Mahindra Bank's credit card portfolio is smaller than HDFC or SBI but punches above its weight — particularly in the dining and lifestyle categories. Their 811 Dream Different card…

✅ Updated: March 2026 📋 All cards verified against official issuer websites 🏆 Rankings based on reward rate, fee value and real-world usability

Kotak Mahindra Bank’s credit card portfolio is smaller than HDFC or SBI but punches above its weight — particularly in the dining and lifestyle categories. Their 811 Dream Different card is one of the best lifetime-free options available.

All Kotak Mahindra Bank Credit Cards

⭐ EDITOR'S TOP PICK
Kotak 811 Dream

Kotak 811 Dream Different Card

Kotak Mahindra Bank
Lifetime Free Cashback Beginner
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 2% cashback on online spends; 1% on offline
✅ Best for: First-timers wanting a genuine no-fee card with simple cashback
⭐ 4.2
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Kotak 811 Dream

Kotak 811 Dream Different Credit Card

Kotak Mahindra Bank
lifetime-free cashback
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 2% cashback on online spends; 1% on offline; no cashback cap
✅ Best for: Beginners wanting a genuine no-fee card with simple cashback
⭐ 4.2
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Kotak Essentia Platinum

Kotak Essentia Platinum Credit Card

Kotak Mahindra Bank
cashback shopping
Annual Fee: ₹749
Joining Fee: ₹1,499
🎁 Rewards: 10% off on grocery; 3 Reward Points per ₹100 on grocery
✅ Best for: Homemakers and families spending heavily on groceries
⭐ 3.9
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Kotak League Platinum

Kotak League Platinum Credit Card

Kotak Mahindra Bank
dining movie cashback
Annual Fee: ₹499
Joining Fee: ₹499
🎁 Rewards: 4X Rewards on dining, travel, entertainment every weekend
✅ Best for: Weekend warriors who dine and entertain regularly
⭐ 3.8
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Kotak Mojo Platinum

Kotak Mojo Platinum Credit Card

Kotak Mahindra Bank
dining cashback
Annual Fee: ₹1,000
Joining Fee: ₹1,000
🎁 Rewards: 7.5% value back on Swiggy and Zomato; 2X on all other spends
✅ Best for: Food delivery addicts spending ₹5,000+/month on Swiggy and Zomato
⭐ 4.0
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Kotak PVR Platinum

Kotak PVR Platinum Credit Card

Kotak Mahindra Bank
movie cashback
Annual Fee: ₹999
Joining Fee: ₹999
🎁 Rewards: 2 free PVR tickets/month; 8 Reward Points per ₹150 on PVR
✅ Best for: Movie lovers who watch 2+ films per month at PVR cinemas
⭐ 4.0
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Kotak Royale Signature

Kotak Royale Signature Credit Card

Kotak Mahindra Bank
lifetime-free lounge-access dining movie
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 2.5 Reward Points per ₹100; bonus on dining and movies
✅ Best for: Entry-level users wanting lounge access with zero annual fee
⭐ 4.1
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Kotak White Reserve

Kotak White Reserve Credit Card

Kotak Mahindra Bank
super-premium travel lounge-access
Annual Fee: ₹12,500
Joining Fee: ₹12,500
🎁 Rewards: 5X Rewards on spends above ₹1L/month; unlimited lounge access
✅ Best for: Ultra-premium spenders wanting exclusive banking privileges
⭐ 4.6
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Kotak Zen Signature

Kotak Zen Signature Credit Card

Kotak Mahindra Bank
forex travel lounge-access
Annual Fee: ₹1,500
Joining Fee: ₹1,500
🎁 Rewards: 8 Reward Points per ₹150; 4X on international spends
✅ Best for: International travellers wanting rewards on foreign spends
⭐ 4.1
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