CardIQIndia
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.
68
#1 of 70 in debit
Kotak Mahindra Bank

Kotak Privy League Signature Debit Card

debitVisasuper-premiumProvisional score

Aimed accurately accommodating highly affluent clients furnishing PVR bounds completely complimentary.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value61/100 · weight 65%
≈ 3.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks38/100 · weight 8%
Devaluation risk90/100 · weight 8%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Privy League Optima/Insania status necessary
Forex markup
2%

Lounge access

Domestic (per year)
16
International (per year)
0

Confirmed devaluation alerts

  • 05 Jul 2026 · redditsource

    RBI tells Kotak Mahindra Bank to stop issuing new credit cards RBI just stopped their process of getting any new clients. What is happening to credit card ? Why so many devaluation from so many banks?

Reward structure

CategoryTypeRateCapNotes
diningcashback20%—Instant deductions scaling to 20% dining over Taj and assorted networks
all_spendspoints1.25%(5 pts @ ₹0.25)—High reward vector multiplying normal transactions strictly 5x passively