Kotak League Credit Card

Overview

Updated On: October 23, 2026 | AB Published by: Amit B | 2 min read

Kotak League Credit Card is an entry level basic credit card with low reward rate. The card comes with a basic joining and renewal fee of Rs.590 including GST. While the reward rate on this credit card is not attractive, this can still be a useful credit card as Kotak Mahindra Bank's instant discount offers have become very frequent on popular online and offline stores. If this credit card is being offered to you as Lifetime Free, this can be kept for such instant discount offers.Interestingly, the card is also available on Rupay network apart from Visa network. So, the Rupay network card can be used for UPI payments also. However, reward rate on UPI payment is also very low.

Pros

Instant Discount Offers by Kotak are very frequent and this card is eligible for it.
Reward Points can be redeemed on Amazon Pay Giftcard which can be used on thousands of third-party websites/apps apart of the Amazon India itself
Points can be used as real cash for payment to deleted merchants

Cons

No real cashback
Some efforts and thinking required to redeem points

Fees & Charges

Joining / Annual Fee Nil

Renewal Fee Nil

Annual Spend Target for Fee Waiver Nil

Minimum Annual Income Required ₹ 500,000

Rewards and Benefits

Reward Rate

1% to 2%

Base Reward Rate

1%

Accelerated Reward Rate

2%

Welcome Benefits

NIL

Renewal Benefits

N/A

Rewards & Cashback Details

Base Rewards: 4 Reward Points per Rs.150 Spend on other Spend = 0.67% Valueback
Milestone Rewards: After crossing Rs.2 Lacs spend in a year, get 8 Reward Points per Rs.150 Spend on all spend = 1.33% Valueback
Accelarated Rewards: 8 Reward Points per Rs.150 Spend on Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | Electric Sales | Durable Goods | Departmental Stores. = 1.33% Valueback

Rewards Redemption

Kotak Rewards Portal - Redeem reward points on product categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies (BookMyShow Vouchers), Travel etc. Here is the Link https://kotakrewards.com/
Pay with Points: You can pay to hundreds of merchants using the Kotak League Card' reward points. Just swipe the Kotak League Credit Card at the merchant and tell him/her to user Reward Points. Checkout the list of such merchants - https://www.kotak.com/content/dam/Kotak/credit-card-services/PaybyPoints-store-list.pdf

Additional Benefits

Movie Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

Movie Tickets: Spend Rs. 1, 25,000 every 6 months and get 4 free PVR tickets (Maximum value Rs.400 per ticket) or 10000 reward points. In case of higher price of the movie ticket, user needs to pay the difference at the time of redeeming the free movie ticket benefit.

Features & Benefits

Cashback

Reward Points

Utility Bills

Insurance

NPS

Education

Government Payment

Rent

Gift Cards

Jewellery

Wallet Load

Rewards on EMI

Airmiles

Airport Lounge

Fuel

No Cashback / Rewards Categories

Fuel
Railways

Ratings & Reviews

3

Overall Rating

Reward Rate

3/5

Lifestyle Benefits

1/5

Ease of Reward Redemption

3/5

Value For Money

4/5

Customer Service

4/5

Detailed Review

It's an entry level basic credit card which is easily available as Lifetime Free (apply through SpendWisely Apply button - check Zero Joining and Renewal Fee on landing page). This is must-have credit card as it can be used for instant discount offers of Kotak Mahindra Bank. Such offers are very frequent. This makes is some of the must-have credit cards for online shopping offers.

Eligibility & Important Info

Eligibility Criteria

Age: Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 18 years and above
Location: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
Income: Rs.5 Lakhs and above per annum
Should be a resident of India

Important Links

Kotak Rewards Portal - Redeem reward points on product categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies (BookMyShow Vouchers), Travel etc. Here is the Link https://kotakrewards.com
Pay with Points: You can pay to hundreds of merchants using the Kotak League Card' reward points. Just swipe the Kotak League Credit Card at the merchant and tell him/her to user Reward Points. Checkout the list of such merchants - https://www.kotak.com/content/dam/Kotak/credit-card-services/PaybyPoints-store-list.pdf