Summary
The Kotak Veer Select Credit Card is a specially crafted credit card for Indian Armed Forces serving and retired personnel. It is issued by Kotak Mahindra Bank and provides defense personnel with special privileges to help them manage their finances better along with other benefits.
The most premium advantage of this card is 5% cashback on dining, grocery, and fuel, which reduces the customers’ expense on daily spending’s. In addition to that, it gives 2 reward points on every other spend of ₹100, which can be availed as shopping, travel, and gift vouchers.
For individuals traveling fairly frequently, 2 free visits to domestic airport lounges quarterly make the journey comfortable and convenient. Waiving of the 1% fuel surcharge fee also reduces expenditure on fuel buying. The card also enjoys financial protection in the form of a ₹2 lakh accidental death cover and security from fraudulent transactions.
Introduction
The Kotak Veer Select Credit Card is a high-end card specially crafted for the fearless warriors of the Indian Defence Forces. The card is a token of appreciation for their sacrifices and dedication, and they are provided with a series of high-end benefits, cashback rewards, and exclusive offers. The Kotak Mahindra Bank has launched this card with the vision of making the financial journey, security, and lifestyle benefits of defense personnel easy and convenient as per their own needs.
This credit card allows defence staff to reap tremendous cashback benefits, lounge facility at no expense, fuel surcharge refunds, and much more. The Kotak Veer Select Credit Card is a wonderful money management facility with many other benefits. Besides rewarding our daily expenditure, it also offers financial security for our war heroes.
It is convenient and simple to apply for this credit card. Prospective applicants interested in applying may do so through the website of Kotak Mahindra Bank or by going to the nearest branch of the bank. The applicant has to fill in a form, produce KYC documents, and present documents as defense service proof. The credit card is dispatched to the address given by the applicant after the verification process.
Kotak Veer Select Credit Card is the perfect mate for Indian Defence officers, offering them a wide range of benefits to make their life easier and even more fulfilling. From cash back to fuel saving, travel benefit to insurance cover, the card offers luxury financial rewards that our nation’s heroes can best utilize.
What is the Kotak Veer Select Credit Card?
The Kotak Veer Select Credit Card is a special credit card designed exclusively for the fearless Indian Defence Forces’ warriors. It is offered by Kotak Mahindra Bank and includes some special offers for defence personnel, both active and retired.
The card is loaded with a lot of benefits that include cashback on spends on regular, free lounge access at airports, fuel surcharge credits, and free insurance covers. The card helps defense personnel manage their spending while gaining rewards and savings.
What is the design of the Kotak Veer Select Credit Card?
The appearance of the Kotak Veer Select Credit Card is like the pride and honor of the Indian Military. The card is very strong and classy in appearance, with an inspiration of the courage and sacrifices of soldiers. It would be dark-colored and of superior matte finish, with a classy and professional appearance.
The card carries the logo of the Kotak Mahindra Bank along with the “Veer” logo, which represents strength and dedication. Patriotic motifs, like the national flag or the emblem of the army, could be added to depict respect towards defense personnel in certain versions.
What are the benefits of the Kotak Veer Select Credit Card?
These are the key rewards and advantages:
Cashback & Reward Points
- 5% fuel, grocery, and dining cashback (maximum ₹500 in a month).
- Earn 2 reward points per ₹100 for all other purchases.
- Redeem reward points for shopping, travel, and gift vouchers.
Airport Lounge Access
- 2 free domestic airport lounge visits per quarter, so it’s more comfortable to travel.
Fuel Surcharge Waiver
- 1% fuel surcharge discount at Indian fuel pumps (for transactions ranging between ₹500 – ₹3,000).
Insurance & Protection
- Rupee 2 lakh accidental death cover for financial security.
- Credit card fraud protection to compensate for unauthorized transactions.
EMI & Easy Payments
- Turn expensive purchases over ₹3,000 into simple EMIs for better money handling.
What are the fees for the Kotak Veer Select Credit Card?
Here is a simple Kotak Veer Select Credit Card fee breakup.
| Joining Fee | ₹0 (No charges for getting the card) |
| Annual Fee | ₹0 (No yearly maintenance charges)\ |
| 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, a 3.5% per month (42% annually) charge on the outstanding balance. |
| Cash Advance Fee | 3.5% of the amount withdrawn or ₹300, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Kotak Veer Select Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get a Kotak Veer Select Credit Card?
The documents that you will have to submit to Get a Veer Select 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 Select Credit Card be used?
Here is the list of places where you can use it:
- With the Kotak Veer Select 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 your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Kotak Veer Select Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Kotak Veer Select 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 Select Credit Card?
The credit limit of the Veer Select Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Kotak Bank once you have made your application.
How do you apply for a Kotak Veer Select Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of 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 Veer Select Credit Card.
- Just hover your cursor on the Kotak Veer Select 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 require to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mention 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 you submit 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 Select Credit Card.
- Request for the credit card application form for the Veer Select Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is require. 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 a passport.
- Your application will be process, and your information will be cross-check 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 Select 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 Select Credit Card in 2025 be right?
Yes, getting a Kotak Veer Select 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 have good credit, it might be a very good option in 2025.
Conclusion
The Kotak Veer Select Credit Card is a dedicated credit card designed to honor and reward the valiant staff of the Indian Defence Forces. It offers a myriad of benefits, including cashback on daily spending, reward points, free airport lounge access, fuel surcharge waivers, and insurance coverage. All these services make it an extremely rewarding and easy-to-use defence credit card.
One of the largest benefits of this card is its single cashback rewards on fuel, groceries, and dining, saving cardholders money on necessities. The 2 free domestic airport lounge visits every quarter also help to ensure a hassle-free and enjoyable flying experience. The fuel surcharge exemption also saves money, with purchases at gas pumps being less expensive.
The second of the major advantages is accidental death insurance cover of ₹2 lakh, providing financial security to the cardholder and family in case of sudden death. There is also fraud protection on the Credit card, providing an extra layer of security on transactions.
Frequently Asked Questions (FAQ’s)
Ans: Yes, there is a 1% waiver of fuel surcharge on spends between ₹500 – ₹3,000 at Indian fuel pumps.
Ans: Yes, spends of ₹3,000 and above can be paid back as simple EMIs for convenient money management.
Ans: You can check your reward points through Kotak Mahindra Bank’s mobile app, net banking, or monthly credit card statements.
Ans: The joining fee and annual charge of the Kotak Veer Select Credit Card differ according to the prevailing offers of the bank. You may check the fees on the official website of Kotak Mahindra Bank.
Ans: You may reach Kotak Mahindra Bank customer service through a toll-free call or, in case of absence, at the branch nearest to you.
