Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#136 of 173 in credit

Kotak Mahindra Bank

Kotak Essentia Platinum Credit Card

creditVisa

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value7/100 · weight 65%

≈ 0.32% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency83/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks19/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹1,000 + 18% GST
= ₹1,180 total
Annual fee: ₹1,000 + 18% GST
= ₹1,180 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 4
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
dining	points	0.50%(2 pts @ ₹0.25)	—	—
groceries	points	0.50%(2 pts @ ₹0.25)	—	—
fuel	points	0.25%(1 pts @ ₹0.25)	—	—
online_spends	points	0.25%(1 pts @ ₹0.25)	—	—
travel	points	0.25%(1 pts @ ₹0.25)	—	—
all_spends	points	0.25%(1 pts @ ₹0.25)	—	—