Summary
Kotak Wealth Management Infinite Credit Card offers highly valued luxury and convenience with exclusive privileges to high-net-worth customers. The sleek, stylish design of the card reflects prestige and status while providing top-tier financial benefits.
Reward points for the cardholders are higher – 5 reward points for every ₹200 spent abroad and 3 reward points for every ₹200 spent in India. Reward points can also be redeemed for travel, shopping, and lifestyle benefits for every purchase, making it more rewarding.
With unlimited free access to domestic and international airport lounges, one of the greatest features is to be able to avoid the usual crowds and hustle-bustle of airport travel. Cardholders also receive concierge benefits, from 24/7 travel booking and hotel reservations to an experiential array of luxury entitlements.
Introduction
Kotak Wealth Management Infinite Credit Card is a high-value credit card created especially for high-net-worth individuals or HNIs. The purpose of Kotak Wealth Management Credit Card is to offer higher benefits and to provide exclusive facilities to high-end customers. Credit Card suits those high-value customers who wish to advance their lifestyle and enjoy a lot of benefits.
Under the credit card, you get exclusive travel facilities around the world, luxury hotel stays, airport lounge access, special discounts on shopping and dining, and reward points. If you like to travel business class or want to stay in five-star hotels, then Kotak Management Infinite Credit Card can prove to be a great option for you.
Apart from this, Kotak Wealth Management Infinite Credit Card also offers services like insurance coverage, free wellness checkups, and customized financial planning, which ensure your financial security. Wealth Management Infinite Credit Card not only fulfills your daily needs but also allows you to improve your lifestyle.
In today’s article, we will discuss in detail about Kotak Wealth Management Infinite Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of Wealth Management Infinite 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 Wealth Management Infinite Credit Card?
Credit Card is a high-end credit card crafted exclusively for customers who come under the category of High Net Worth Individuals. Wealth Management Infinite Credit Card is for customers who wish to upgrade their lifestyle and obtain exclusive services.
This credit card offers an opportunity to access airport lounges, special offers at luxury hotels, international travel benefits, and great discounts on shopping and dining. Kotak Wealth Management Credit Card is the best option for those who want to experience a high-class lifestyle with more benefits on spending.
How is the Kotak Wealth Management Infinite Credit Card designed?
The Kotak Management Infinite Credit Card is tailored for high-net-worth individuals who want luxury, exclusive privileges, and top-tier financial benefits. It features a sleek, premium design reflecting elegance and status. This card offers unlimited access to airport lounges, higher reward points, and personalized wealth management services.
Cardholders enjoy luxury travels, which include travel insurance, concierge services, and priority assistance. The card is designed to offer exclusive dining, shopping, and lifestyle privileges that make every spend a reward.
What are the benefits of the Kotak Wealth Management Infinite Credit Card?
Here are its features with actual reward points:
- More Reward Points
- 5 reward points for every ₹200 spent internationally.
- 3 reward points for every ₹200 spent in India.
- Airport Lounge Access
- Free unlimited access to domestic and international airport lounges.
- Luxury Travel & Concierge Services
- Get 24/7 concierge assistance for hotel bookings, travel planning, and more.
- Free travel insurance on international trips.
- Exclusive Dining & Shopping Offers
- Fine dining, luxury brands, and premium hotels with special discounts and cashback.
- Fuel Surcharge Waiver
- Fuel surcharge waived on transactions in the range of ₹500 and ₹3,000 at a rate of 1%.
- Interest-Free Period
- 48 days’ interest-free credit, making your expenses easier to manage.
- Priority Wealth Management Services
- Personal financial assistance and priority customer service.
What are the fees for the Kotak Wealth Management Infinite 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 Wealth Management Infinite Credit Card?
The following are the primary requirements:
- To apply for the Kotak Wealth Management 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 Wealth Management Infinite 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 | 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 for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak Wealth Management Infinite Credit Card be used?
Here is the list of places where you can use it:
- With the Wealth Management Infinite 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 Wealth Management Infinite Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Wealth Management Infinite 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 Wealth Management Infinite Credit Card?
The credit amount you can spend is what you are provided with a Wealth Management Infinite 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 Wealth Management Infinite 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 Wealth Management Infinite Credit Card.
- Just hover your cursor on the Kotak Wealth Infinite 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 Wealth Management Infinite Credit Card.
- Request for the credit card application form for the Kotak Wealth Management Infinite 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 Wealth Management Infinite 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 Wealth Management Infinite Credit Card in 2025 be right?
Yes, getting a Kotak Wealth Management Infinite 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 Management Infinite Credit Card is a premium credit card designed specifically for high-end customers. Kotak Wealth Management Infinite Credit Card is for those who want to take their lifestyle to the next level and get exclusive benefits on their daily expenses as well as travel, shopping, and dining. With the help of Kotak Wealth Management Infinite Credit Card, customers can not only fulfill their needs but also enjoy many exclusive services and offers.
Under Wealth Management Infinite Credit Card, you get great reward points, airport lounge access, insurance cover, and many other features that make it special. Kotak Wealth Management Infinite Credit Card is not only designed to support a high-end lifestyle but is also designed to provide you with a premium experience. Apart from this, you also get personalized services and customer support under Wealth Management Infinite Credit Card, making your banking and spending process easy and secure.
If you wish to experience a premium credit card in your life and enjoy a host of benefits across the globe, the Kotak Management Infinite Credit Card is an ideal choice for you. The one thing these features and benefits highlight about the card is that it’s very different from other cards in the market, and at every step, Wealth Management Infinite Credit Card offers you a unique experience.
Frequently Asked Questions (FAQ’s)
Ans: Yes, Credit Card is accepted at places where Visa or MasterCard can be used across the world.
Ans: Yes, with Wealth Infinite Credit Card, you get several insurance facilities like travel and health insurance coverage, so you are secure.
Ans: Yes, with Kotak Wealth Management Credit Card, you also get emergency assistance services that include facilities such as 24×7 customer support, travel assistance, and card replacement.
Ans: You can apply online from the Kotak Mahindra Bank website or you can also apply by visiting the nearest Kotak Bank branch. However, some essential documents might be needed for the application which can be obtained from the bank.
Ans: Yes, through Credit Card, you can convert big purchases into easy monthly installments (EMI). For this, you can contact the bank.
