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Kotak · Visa

Kotak Infinite Credit Card

Apply for Kotak Infinite Credit Card for Golf Privileges

Annual fee
Lifetime free
Forex markup
2%
Lounges (Dom/Intl)
4 / —
Welcome benefit

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 2.00% travel · 2.00% dining · 2.00% base.

Net steady-state return
₹12,000 /year
2.00% effective · ₹0 fee
Annual reward earned₹12,000
Annual fee−₹0
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs Amazon Pay ICICI

At ₹50,000/month with 15% travel and 10% dining.

Metric
Kotak Infinite Credit Card
Amazon Pay ICICI
Annual fee
₹0
₹0
Annual reward
₹12,000
₹6,000
Net /year (steady)
₹12,000
₹6,000
Forex markup
2%

Tools for Kotak Infinite Credit Card holders

Frequently asked

Is the Kotak Infinite Credit Card worth the ₹0 fee?

It depends on your spend. The Kotak Infinite Credit Card earns 2% base reward. Use the break-even calculator above to see your specific number.

What is the eligibility for Kotak Infinite Credit Card?

Kotak hasn't published a hard minimum income for Kotak Infinite Credit Card. Approval depends on credit score, existing relationship, and employment type.

What is the forex markup on Kotak Infinite Credit Card?

Kotak Infinite Credit Card charges 2% forex markup on international transactions.

Verified 38 days agolikelySource: www.kotak.bank.in

Reward rates and fees are sourced from Kotak's product page and may change. Always confirm with the card issuer before applying.