Summary
Kotak Veer Platinum Credit Card: This is a credit card that has been specially designed for Indian defense personnel, including the Army, Navy, and Air Force. This credit card gives multiple financial benefits, making all the transactions very rewarding. It gives 2 reward points on every ₹100 spent on groceries, dining, and select categories, and 1 reward point per ₹100 on all other spends. The reward points can be redeemed in the form of various gifts and benefits.
Features included in this card are mainly the fuel surcharge waiver, where a user receives a 1% waiver on the fuel transaction made between ₹500 and ₹3,000 which saves up to ₹3,500 per annum, and benefits railway travelers with up to ₹500 per year of the waiver on railway surcharge while booking the ticket through IRCTC.
For those who usually spend most of their traveling time in lounges, this card offers free entry to railway lounges in select railway stations that add comfort to their travels. Another good perk is the milestone reward wherein, after spending ₹75,000 in a year, the users can have fee waivers and still get to keep the card because it becomes highly cost-effective.
Introduction
In the present era, credit cards have not only become our need but also a symbol of financial freedom. We can manage our daily expenses in a better way through credit cards and enjoy many better offers. In this episode, Kotak Mahindra Bank has introduced the Kotak Platinum Credit Card, especially for the soldiers of the Indian Army and their families.
The main objective the the Kotak Veer Credit Card is to honor the army personnel and provide them with financial help. Through Kotak Platinum Credit Card, they get many types of discounts and rewards, such as cashback on online and offline shopping, fuel surcharge waivers, and special facilities during travel. Apart from this, the cardholder also gets insurance coverage and protection, which further increases their financial security.
Now the question arises how can Veer Platinum Credit Card be obtained? It is very easy to apply for it. If you are a soldier of the Indian Army or from their family, then through some easy steps you can apply for Kotak Platinum Credit Card.
Along with this, in this article, we will also discuss the fees of Kotak Veer Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.
What is the Kotak Veer Platinum Credit Card?
The Kotak Mahindra Bank has brought in a special credit card designed for the Indian Army personnel and their families, called the Kotak Platinum Credit Card. The key aim of this Veer Platinum Credit Card is to respect the armed forces soldiers and fulfill the financial requirements of the soldier’s family.
It comes with many great benefits like cashback on shopping, fuel surcharge waiver, and special benefits during travel. Apart from this, insurance coverage and protection are also available through the Kotak Veer Platinum Credit Card, which assures financial security to the soldiers and their families.
How is the Kotak Veer Platinum Credit Card designed?
The Credit Card is specifically designed for Indian Armed Forces personnel. It offers exclusive benefits such as fuel surcharge waivers, reward points on spending, and lounge access at airports. The card also comes with special discounts on travel, dining, and lifestyle expenses.
In addition, it will offer the features of contactless payment safely and conveniently. It ensures honor to the sacrifice of defense people while combining every type of flexibility with valuable rewards according to the needs.
What are the benefits of the Kotak Veer Platinum Credit Card?
Here are its key features, and actual reward points:
1. Reward Points on Spend
- Reward points worth 2 for every ₹100 spent in grocery, dining, and other categories.
- Reward points worth 1 for every ₹100 spent in all other transactions.
2. Fuel Surcharge Cancellation
- Surcharge waiver of 1% at all the fuel stations in India for any transaction between ₹500 and ₹3,000.
- Maximum waiver: ₹3,500 per year.
- Spend ₹75,000 in a year and get a rebate on annual fees.
4. Railway Surcharge Waiver
- Avail up to ₹500 per year as a waiver on railway ticket bookings via IRCTC.
5. Insurance Coverage
- Get ₹2 lakh cover for accidental death.
6. Lounge Access
- Free railway lounge access at select railway stations.
What are the fees for the Kotak Veer Platinum Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | ₹299 + GST (one-time fee when you get the card). |
| Annual Fee | ₹299 = GST per year. This will be waived if you spend 50,000 or more in a year. |
| 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 Veer Platinum Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Veer Platinum Credit Card.
- 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 increases the probability of approval.
- 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 Veer Platinum Credit Card?
The documents that you will have to submit to 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 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak Veer Platinum Credit Card be used?
Here is the list of places where you can use it:
- With the Veer Platinum 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 Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Kotak Veer 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 Veer Platinum Credit Card?
The credit amount you can spend is what you are provided with a Veer Platinum 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 aaKotak Veer Platinum 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 Veer Platinum Credit Card.
- Just hover your cursor on the Kotak Veer Platinum 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 Kotak Veer Credit Card.
- Request for the credit card application form for the Platinum 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 Veer Platinum 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 Veer Platinum Credit Card in 2025 be right?
Yes, getting a Kotak Veer Platinum 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
Conclusion Kotak Platinum Credit Card has emerged as a very rewarding and respected financial tool for army personnel and their families. With Veer Platinum Credit Card, you do not only get discounts on everyday expenses but also special rewards on shopping, travel, and fuel. In addition, the insurance protection and extra facilities available under Kotak Veer Credit Card make your financial security stronger.
If you are an Indian Army soldier or belong to his family, then the Kotak Platinum Credit Card can prove to be a great option for you. Its features help to make your life easy and comfortable. The process of applying for Kotak Platinum Credit Card is also quite easy and fast. You can get it both online and offline. All you have to do is apply with your required documents, and in no time you can avail the benefits of Veer Platinum Credit Card.
The benefits that you get through Veer Platinum Credit Card not only meet your needs but also provide financial security to you and your family. So, if you want to secure your financial future and enjoy a variety of facilities, then apply for a Kotak Platinum Credit Card. Kotak Veer Credit Card enhances financial freedom as well as a sense of respect and security in your life.
Frequently Asked Questions (FAQ’s)
Ans: Yes, with Credit Card you get insurance coverage, which increases your financial security.
Ans: Yes, the Credit Card can also be used for international transactions, but for this, you will have to get information from the bank.
Ans: This cashback, Veer Platinum Credit cashback, depends purely on the choice of purchase in which you go for the option. It entirely depends on what the bank allows.
Ans: You can apply at the bank; however, the credit limit increases at the bank’s discretion based on the credit score as well as that of the bank’s policy.
Ans: In case there are any queries related to the Kotak Veer Platinum credit card, customers can contact the Kotak Mahindra Bank customer care center or visit their nearest branch to seek assistance.
