Kotak League Platinum Credit Card: Features & Benefits

Summary

Kotak League Platinum Credit Card is a very well-designed card that gives out a category of rewards, savings, and lifestyle benefits. The frequency of shopping, dining out, and traveling applies to this card. One of the high points of it is the reward points program, claiming 8 reward points per ₹150 spent on online shopping and 4 reward points per ₹150 spent on other transactions.

This card offers many value-added features. For example, cardholders will get milestone rewards, including 4,000 bonus points when ₹1,25,000 is spent in 6 months, and the next lot of 4,000 bonus points when ₹2,50,000 is spent in 6 months. Frequent users will save money for the waiver of a 1% fuel surcharge on all transactions between ₹500 and ₹3,000 at petrol pumps across India.

For the card, there is also extra comfort through the complimentary airport lounge access that travelers can enjoy. Additional financial convenience emanates from contactless payment technology, which allows quick and secure transactions with the card. There is also interest-free credit by providing 48 days or even more for bill payments.

Introduction

Now, credit cards are not a luxury for people, but they are an integral part of their smart financial planning. If you are looking forward to making your lifestyle better and comfortable, then Kotak Mahindra Bank’s Kotak League Platinum Credit Card can prove to be a good option for you. It is specially designed for those who want to get additional benefits and premium facilities on every purchase.

Credit Card does not merely help you keep a better record of your expenditures daily but has several wonderful additional benefits. One such benefit, you can use the Kotak Platinum Credit Card and earn a variety of rewards for traveling, shopping, and dining, various entertainments and special discounts that can make further cuts down on your daily expenditure.

The biggest advantage of League Platinum Credit Card is that you get reward points on every transaction, which you can later use for many products or services. Apart from this, Kotak League Platinum credit card is also valid internationally, giving you a global experience.

In today’s article, we will discuss in detail about Kotak League Platinum credit card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of League Platinum credit card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face problems later.

What is the Kotak League Platinum Credit Card?

Credit Card is a special credit card by Kotak Mahindra Bank. These credit cards are offered to those individuals who, during their routine shopping, look forward to earning more rewards. By using the Platinum Credit Card, you can shop, travel, dine, or spend on any other thing, and earn reward points, redeemable later on for products or services.

Kotak Platinum Credit Card manages your expenses in a better way and also gives you many discounts and special offers. Apart from this, it also works internationally, which means you can use it abroad as well. Overall, Kotak Platinum Credit Card is for those who want to get additional benefits on every spend.

How is the Kotak League Platinum Credit Card designed?

It’s for shoppers, travelers, and lifestyle benefit lovers. Every spend earns the Kotak Platinum Credit Card reward points; it offers special discounts on dining and fuel surcharge waivers. Milestone rewards make the card interesting, meaning the more you spend, the more benefits you unlock.

This credit card offers quick and secure contactless payment. It also comes with free lounge access at the airport, so traveling is comfortable. Overall, this card is designed for individuals who want to have extra rewards and privileges on their daily expenditures.

What are the benefits of the Kotak League Platinum Credit Card?

The Credit Card has several very attractive benefits that include the following:

1. Reward Points: Earn 8 reward points for every ₹150 spent online and 4 reward points for every ₹150 spent in any other category.

2. Milestone Rewards: Spend ₹1,25,000 within 6 months and get 4,000 bonus reward points. Spend ₹2,50,000 in 6 months and earn 4,000 more bonus points.

3. Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge at all the petrol pumps in India. All transactions between ₹500 to ₹3,000 will be free from fuel surcharge.

4. Dining Discounts: Save while eating out with the help of our partner restaurants with exclusive discounts.

5. Lounge Access: Get access to the complimentary airport lounge during your travel.

6. Contactless Payments: Tap to pay for easy, secure, and quick transactions.

7. Interest-Free Period: You can get up to 48 days of interest-free credit, giving you more flexibility in managing your finances.

What are the fees for the Kotak League Platinum Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹499 = GST per year. This will be waived if you spend 15,00,000 or more in a year.
Annual Fee	₹499 = 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 League Platinum Credit Card?

The following are the primary requirements:

1. To apply for the Kotak Platinum Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. 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. 

5. You must be an Indian resident and have valid address proof within the country. 

6. 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.

7. 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 League Platinum Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Kotak League Platinum Credit Card be used?

Here is the list of places where you can use it:

• With the Kotak League 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 League Platinum 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 League Platinum Credit Card?

The credit amount you can spend is what you are provided with a Kotak League 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 League 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 League Platinum Credit Card.

• Just hover your cursor on the League 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 League Platinum Credit Card.

• Request for the credit card application form for the League 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  Kotak League 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 League Platinum Credit Card in 2025 be right?

Yes, getting a Kotak League 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

Kotak League Credit Card may be a good option for people, especially for those who want to get more benefits and facilities on every purchase. League Platinum Credit Card not only gives you the chance to earn reward points on daily expenses but also provides special benefits on many important things such as travel, shopping, dining, and entertainment.

The specialty of the Credit Card is that it also can be used internationally, so you can easily shop abroad. Kotak League Platinum Credit Card has a very reasonable annual fee, and this too would get waived if you use it regularly.

If you need to manage smartly your financial planning and do not want the extra charge but still want some extra on each transaction, the Kotak Platinum Credit Card can be beneficial for you. The application procedure is also really easy, and you will be able to complete it online or at your nearest bank branch.

Frequently Asked Questions (FAQ’s)