Kotak Bank Privy League Signature Credit Card

Name: Kotak Bank Privy League Signature Credit Card
Brand: Kotak Bank

WalletWalk Rating

Best for premium rewards and lifestyle benefits

Last updated: 23-Aug-2025

Overview

The Privy League Signature Credit Card is a premium card designed for discerning customers, offering lifestyle benefits, reward points on select spends, and access to exclusive privileges.

Pros

↑Milestone reward benefit
↑Railway surchare waiver

Cons

↓International lounge access with priority pass
↓No insurance coverage

Key Highlights

Welcome Offer
6,400 RP
Activate your card, spend a minimum of ₹1,000 each month for three months, and earn 6,400 RP redeemable for vouchers or cashback.

Reward Rate
- 5 RP / ₹100 spent
RP / ₹100 on apparels, grocery, consumer durable, multi-brand online and, departmental stores
RP / ₹100 on retail spends

Joining Fee
No

Annual Fee
₹2,500

Key Benefits

Dining

▼

5 RP / ₹100 on select restaurants with Shopper's Plan

Fuel

▼

1% surcharge waiver up to ₹4,500 / year

Grocery

▼

5 RP / ₹100 on grocery with Shopper's Plan

Lifestyle

▼

Kotak Rewards redemption for movies via BookMyShow vouchers

Milestone

▼

6,400 RP on ₹1,000 / month spent for three consecutive months

Premium

▼

Concierge services for dining, reservations, and event bookings

Reward Points

▼

2 - 5 RP / ₹100 on elgible spends

Shopping

▼

5 RP / ₹100 on categories like apparels, consumer durable, multi-brand online and, departmental stores

Travel

▼

5 RP / ₹100 on select categories like airlines, hotels, duty free, international spends and travel agencies with Traveller's Plan

Airport Lounge Access

▼

4 visits / year via Priority Pass
2 visits / quarter via Dream Folks

Railway

▼

Railway surcharge waiver

Balance Transfer

▼

No interest if payment made within 90 days.
Can be taken for ₹2,500 to max 75% of credit limit

Detailed Information

Joining Fee	No
Annual Fee	₹2,500
Monthly Percentage Rate	2.49%
Annual Percentage Rate	29.88%
Foreign Currency Markup	2% for free variant ; 3.5% for paid
Late Payment Charges	₹100 - ₹1,200 (Based on outstanding amount due)
Overlimit Charges	₹500 + GST
Cash Advance Fee	₹300
Balance Transfer Fee	₹349 + GST / ₹10,000 will be applied
Fee For Supplementary Card	No
Card Replacement Fee	₹100
Fee For Cheque Bounce	2% of amount due, subject to a minimum of ₹500

Identity Proof	Aadhaar Card, PAN Card, Driving License, Voter ID Card, Passport (Any one of the mentioned)
Address Proof	Utility Bill, Ration Card, Passport, Driving License, Voter ID Card (Any one of the mentioned)
Income Proof Salaried	Latest payslip / Form 16 / IT Return
Income Proof Self Employed	Latest IT return copy

Kotak Bank Privy League Signature Credit Card

Age Requirement Salaried	21 to 65 years
Age Requirement Self Employed	21 to 65 years
Minimum Credit Score	750

Age Requirement Salaried	21 to 65 years
Age Requirement Self Employed	21 to 65 years
Minimum Credit Score	750