Summary
The Kotak Fortune Gold Credit Card is uniquely beneficial for self-employed business persons, offering more flexibility in cash withdrawal and expenditure. As a highlight, its feature to withdraw up to 90% of the credit limit in cash makes it one of the best if fund access is an urgent requirement. Cardholders can earn 4 reward points for every ₹150 spent on retail purchases, which are later redeemed as gift vouchers, merchandise, cashback, and so on.
Cardholders can save on fuel through the surcharge of transactions between ₹500 and ₹3,000 across all Indian petrol pumps for those who travel by car. The big expense management becomes easier with the easy EMI conversion facility with all purchases above ₹3,000 converted into monthly installments. There’s also an interest-free credit period of up to 48 days where users get more time to clear their dues without paying any interest.
Free add-on cards are also included for family members so that they can enjoy the benefits while monitoring their spending. Security is not compromised, and the chip and PIN protection of the card guarantees safe transactions whether done online or at an ATM.
Introduction
Kotak Fortune Gold Credit Card of Kotak Mahindra Bank is an outstanding choice for that person who aims to not just get easy, great credit card services but more benefits and rewards. Kotak Fortune Credit Card is carefully designed for a customer who keeps saving smartly in his/ her everyday expenditures. Be it shopping, traveling, or the payment of tills, in every field Kotak Gold Credit Card, acts as a guide.
The most special thing about Kotak Fortune Credit Card is that through this, the cardholder gets reward points on every transaction, which can be redeemed later. Along with this, Kotak Gold Credit Card also provides opportunities for many types of cashback and discounts, which makes your expenses even more economical.
It is also very easy to apply for a credit card. You can apply for it easily both online and offline. For this, you have to provide some basic documents like identity proof, income proof, and address proof. Due to the easy and transparent process given by the bank, it becomes very easy to get a Kotak Gold Credit Card.
Today, in this article, we will tell you in detail about the Fortune Gold Credit Card. In which we will tell you about all the benefits. Along with this, we will also tell you about the fees of Kotak Fortune Credit Card in this article, and we will also tell you in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.
What is the Kotak Fortune Gold Credit Card?
Credit Card is a special credit card of Kotak Mahindra Bank, which is designed for those customers who want to save as much as possible for their everyday expenses. Through Fortune Gold Credit Card, you get reward points on every purchase, which can be redeemed later.
Kotak Fortune Credit Card is a credit card that doesn’t only make your expenses easy but also gives you the benefits of many other things. Under the Kotak Gold Credit Card, you will earn reward points on every other small purchase at the grocery, while shopping from an online platform, or spending money while traveling.
How is the Kotak Fortune Gold Credit Card designed?
Credit Card was mainly designed for self-employed persons and entrepreneurs who tend to require cash withdrawals and spending at their will. It has a cash withdrawal limit and allows users up to the withdrawal of 90% of the credit amount.
It also provides reward points on spending and easy EMI convertibility for bigger expenses. Having simple eligibility criteria and a service charge of nil, this is highly convenient for professionals dealing with daily business as well as personal spending.
What are the benefits of the Kotak Fortune Gold Credit Card?
These are its main benefits along with actual reward points:
- In case of an emergency, you can withdraw up to 90% of your credit limit as cash.
- Get four reward points for every ₹150 used for retail purchases.
- These points can be exchanged for money, gift cards, or products.
- For purchases between ₹500 and ₹3,000, get a fuel surcharge waiver at gas pumps throughout India.
- Turn large purchases (over ₹3,000) into simple EMIs to control payments free from financial load.
- Should bills be paid on time, get up to 48 days of interest-free credit on purchases.
- Get free add-on credit cards for your family members and conveniently monitor their spending.
- Provides chip and PIN security for online shopping and safe ATM transactions.
What are the fees for the Kotak Fortune Gold Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | NIL |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Kotak Fortune Gold Credit Card?
The following are the primary requirements:
- To apply for the Kotak Fortune Gold Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Kotak Fortune Gold Credit Card?
The documents that you will have to submit to Get a Fortune Gold Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last month for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak Fortune Gold Credit Card be used?
Here is the list of places where you can use it:
- With the Fortune Gold Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Kotak Fortune Gold Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Kotak Fortune Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Kotak Fortune Gold Credit Card?
The credit amount you can spend is what you are provided with a Fortune Gold Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Kotak Fortune Gold Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Kotak Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Kotak Fortune Gold Credit Card.
- Just hover your cursor on the Kotak Fortune Gold Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Kotak Bank branch to apply for the Fortune Gold Credit Card.
- Request for the credit card application form for the Fortune Gold Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Kotak Fortune Gold Credit Card in 2025 be right?
Yes, getting a Kotak Fortune Gold Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Credit Card is an incredible choice for those who need to oversee their costs shrewdly and get extra benefits. Kotak Gold Credit Card not as it were makes a difference in everyday needs like shopping, travel, and charge installments, but also makes a difference when you win compensation focusing on each exchange. These focuses can be recovered for an assortment of benefits in the future, making a difference e when you spare a part of your expenses.
If you are looking for a credit card that not as it were meets your money-related needs but also lets you appreciate extra benefits, at that point Kotak Fortune Gold Credit Card can be the right choice for you. Its application is moreover straightforward, making it effectively achievable. You can apply for it online or by going to a Kotak Mahindra Bank branch. Overall, the Kotak Fortune Credit Card gives you a way better and more helpful memory try encounter.
Frequently Asked Questions (FAQ’s)
Ans: You can redeem the reward points generated on your Fortune Gold Credit Card for the options available with the bank- all the vouchers, cashback, and other benefits. For this, you need to log in to the bank’s reward catalog or portal.
Ans: Fortune Gold Credit Card, you get special discounts and offers related to many shopping, dining, and travel, which are applicable on the bank’s partner outlets and e-commerce platforms.
Ans: Yes, you can also use Credit Card for international transactions. However, foreign exchange transaction charges may apply for this.
Ans: You can pay the Fortune Gold Credit Card bill through net banking, the mobile banking app, or by visiting the bank branch. You will not incur interest and charges if you pay on time.
Ans: Yes, you can change the Fortune Gold Credit Card if desired with the available requirements and after talking to a bank. But, for it, you should go to that particular bank’s outlet and submit all the form procedures.
