Kotak Privy League Signature Credit Card

8.8

Expert ScoreRead review

The card is exclusive to Privy customers of the bank and is offered in two variants- the paid variant and the free variant.
Under the shopper’s plan, you get 5X reward points on select shopping categories (the categories slightly differ for the two variants) and 2X reward points on all other spends.
Traveller’s plan earns you 5X reward points on select travel categories (categories different for the two variants) and 2X points on all other spends.
6,400 bonus reward points every quarter on expenditure of Rs. 1,000 in all three months of the previous quarter (applicable only for paid variant).
Bonus reward points for achieving incremental spending milestones.
Complimentary domestic airport lounge access and Priority Pass membership (4 complimentary visits with Priority Pass on the paid variant).
A lower interest rate of 2.49% per month.
Fuel and railway surcharge waiver.
Premium concierge service regarding hotel/flight bookings, spa/fitness centre information, referral assistance, etc.

Kotak

Category: Credit Cards

Reward Type

Reward Points

Renewal Fee

Rs. 2,500 + GST (for the Paid Variant), Nil (for Free Variant)

Joining Fee

Nil

Type of Card

Reward

Welcome Benefits

USP of Card

The card is exclusive to Privy customers of the bank and is offered in two variants- the paid variant and the free variant.
Under the shopper’s plan, you get 5X reward points on select shopping categories (the categories slightly differ for the two variants) and 2X reward points on all other spends.
Traveller’s plan earns you 5X reward points on select travel categories (categories different for the two variants) and 2X points on all other spends.
6,400 bonus reward points every quarter on expenditure of Rs. 1,000 in all three months of the previous quarter (applicable only for paid variant).
Bonus reward points for achieving incremental spending milestones.
Complimentary domestic airport lounge access and Priority Pass membership (4 complimentary visits with Priority Pass on the paid variant).
A lower interest rate of 2.49% per month.
Fuel and railway surcharge waiver.
Premium concierge service regarding hotel/flight bookings, spa/fitness centre information, referral assistance, etc.

Fees & Charges

Spend Based Waiver

The annual membership fee will be waived off if the cardholder spends Rs. 5 lakh in the preceding year or by maintaining Insignia or True Optima Banking Relationship

Interest Rates

2.49% per month (29.88% annually)

Cash Advance Charges

2% for paid variant and 3.5% for the free variant (exclusive of GST)

Rewards Redemption Fee

Nil

Fuel Surcharge

Waived

Foreign Currency Markup

Rs. 300 per Rs. 10,000 withdrawn or part thereof

Late Payment Fee

Add-on Card Fee

Rs. 300 per Rs. 10,000 withdrawn or part thereof

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Reward Points redeemable on Kotak reward redemption portal.

Zero Liability Protection

Zero liability against fraudulent transactions if loss or theft is reported to the bank within the specified time frame.

Rewards Rate

5x Reward Points on select retail shopping and travel spends, 2x Reward Points on all other spends and traveler’s plan.

Travel

Complimentary domestic lounge access, Priority Pass membership, 4 complimentary lounge visits / year visits with Priority Pass (paid variant only)

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

2 Complimentary visits to the Dream Folks Lounges in India

International Lounge Access

Complimentary Priority Pass membership (with both variants), 4 complimentary lounge visits every year visits with Priority Pass (paid variant only)

8.8Expert Score

The card is exclusive to Privy customers of the bank and is offered in two variants- the paid variant and the free variant.
Under the shopper’s plan, you get 5X reward points on select shopping categories (the categories slightly differ for the two variants) and 2X reward points on all other spends.
Traveller’s plan earns you 5X reward points on select travel categories (categories different for the two variants) and 2X points on all other spends.
6,400 bonus reward points every quarter on expenditure of Rs. 1,000 in all three months of the previous quarter (applicable only for paid variant).
Bonus reward points for achieving incremental spending milestones.
Complimentary domestic airport lounge access and Priority Pass membership (4 complimentary visits with Priority Pass on the paid variant).
A lower interest rate of 2.49% per month.
Fuel and railway surcharge waiver.
Premium concierge service regarding hotel/flight bookings, spa/fitness centre information, referral assistance, etc.

Best values score

8.8

8.8Expert Score

The card is exclusive to Privy customers of the bank and is offered in two variants- the paid variant and the free variant.
Under the shopper’s plan, you get 5X reward points on select shopping categories (the categories slightly differ for the two variants) and 2X reward points on all other spends.
Traveller’s plan earns you 5X reward points on select travel categories (categories different for the two variants) and 2X points on all other spends.
6,400 bonus reward points every quarter on expenditure of Rs. 1,000 in all three months of the previous quarter (applicable only for paid variant).
Bonus reward points for achieving incremental spending milestones.
Complimentary domestic airport lounge access and Priority Pass membership (4 complimentary visits with Priority Pass on the paid variant).
A lower interest rate of 2.49% per month.
Fuel and railway surcharge waiver.
Premium concierge service regarding hotel/flight bookings, spa/fitness centre information, referral assistance, etc.

Best values score

8.8

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Kotak Privy League Signature Credit Card