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Kotak League Platinum RuPay Credit Card 2026: Lifetime Free + Up to 8 PVR Tickets

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October 3, 2026

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Kotak League Platinum RuPay Credit Card: ₹0 joining & annual fee (limited-time offer), up to 8 RP per ₹150 & up to 8 PVR tickets a year. Check fees & apply.

Key Highlights at a Glance

Rewards & Benefits Fact Sheet

🎯 Reward Rates

*Special categories: Travel Agencies & Tour Operators, Package Tour Operators, Airlines and Air Carriers, Electric Sales, Durable Goods, Departmental Stores.

• “Annual spends” are counted on your card anniversary year, not the financial year.
• Points are credited within 5 days of transaction settlement [confirm how points are rounded per ₹150].
• 8 RP applies to all categories only after ₹2 lakh of annual spend. Kotak’s “8 RP across all categories” headline is not true from the first rupee.

🔁 Redemption

• Points are redeemed on Kotak Rewards for mobile recharge, shopping across 10,000 products, e-vouchers, BookMyShow vouchers and travel. For these, 1 RP = ₹0.10.
• Cash value redemption is only ₹0.07 per RP (from 1 June 2025), with a minimum of 2,000 RP.

🧮 Real Spend Examples

🚫 Zero-Reward Categories (and Extra Fees)

These spends earn no reward points, and they don’t count toward the PVR milestone:

🎬 PVR Milestone: ₹1.25 Lakh Every 6 Months

Choose either option for each 6-month period:

• Option 1: 4 PVR tickets. The maximum is 8 tickets a year. They work for any day and any show, and are transferable. You get a Star Pass code, redeemable online only at pvrcinemas.com (not at the box office).
• Option 2: 10,000 reward points. They are credited in the next billing cycle, with a maximum of 20,000 RP a year. That is up to ₹2,000 at ₹0.10 per point, or ₹1,400 at the ₹0.07 cash rate.

Fine print:

• Ticket cap: if a ticket costs more than ₹400, you pay the difference plus booking/convenience fees. So the 8 tickets are worth up to ₹3,200 only if you use them at ₹400 or less.
• Not available in non-PVR cities.
• Claim window: within 3 months after the program period ends.
• Only settled transactions within the 6-month period count; later ones roll into the next period.
• Maxing out the milestone takes about ₹2.5 lakh of eligible spend a year.

⛽ Fuel Surcharge Waiver

• 1% waiver on fuel transactions of ₹500–₹4,000. That is a maximum of ₹40 per transaction.
• Capped at ₹3,500 per anniversary year, which needs about ₹3.5 lakh of qualifying fuel spend.
• GST on the fuel surcharge is borne by you.
• Fuel earns no reward points.

🚆 Railway Surcharge Waiver

• Applies to irctc.co.in and Indian Railways booking counters. The waiver is 1.80% on online bookings and 2.50% on other bookings.
• Capped at ₹500 per anniversary year. You reach the cap at about ₹27,800 of online spend or ₹20,000 of counter spend.
• Railway spends earn no reward points.

📊 Kotak’s Savings Illustration (₹2.5 lakh eligible annual spend)

• Kotak’s own total is ₹4,916 because it adds the ₹499 annual fee waiver. That waiver doesn’t apply if you pay no fee, so ₹4,417 is the comparable figure.
• ₹3,200 of the total assumes you use all 8 tickets at ₹400 or less. Without the milestone, benefits are about ₹1,217, or roughly 0.44% on ₹2.76 lakh of total spend. With the 20,000 RP option instead, the total is about ₹3,217.
• The illustration assumes 1 RP = ₹0.10. At the cash rate of ₹0.07, the reward rows fall from ₹867 to ₹607.

🏦 Fees & Card Mechanics

• Fee shown on the landing page: ₹0 joining and ₹0 annual (Lifetime Free, limited-time offer) [confirm the fee on your application screen and whether the annual fee stays ₹0 after year one].
• Add-on cards: no add-on fee. Add-ons get all the card’s benefits, and you set their limits.
• Interest-free period: up to 51 days, only if the total amount due is paid in full.
• Fees to avoid:
  • Late payment charge: ₹0 (up to ₹100 due), ₹100 (₹100–₹500), ₹500 (₹500–₹1,000), ₹600 (₹1,000–₹5,000), ₹750 (₹5,000–₹10,000), ₹900 (₹10,000–₹25,000), ₹1,100 (₹25,000–₹50,000), ₹1,300 (above ₹50,000)
  • Auto-debit/SI failure: 2% of the bounce amount (min ₹450, max ₹5,000).
  • Cheque return: 2% (min ₹500).
  • Over-limit: ₹500.
  • Cash payment at a branch: ₹100.
  • Card replacement: ₹100.
  • Credit limit increase: ₹100.
  • Image card: ₹99 or ₹199.
  • GST applies on all fees.
• Interest rate: [confirm finance charge rate. The MITC’s 3.75% per month is only an example and isn’t confirmed for this card.]

Eligibility Criteria

• Must be a resident of India
• City: available only in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
• Salaried and self-employed applicants

Required Documents

• ID proof: PAN card or Form 60
• Address proof: Aadhaar, passport or a utility bill
• Income proof: bank statements or salary slips

How to Apply

1. Click the Apply Now button to open the Kotak League Platinum (RuPay) application page.
2. Check that your city, age and income meet the criteria above.
3. Enter your basic details: name, mobile number, PAN and Aadhaar.
4. Check the joining and annual fee shown on the screen and take a screenshot.
5. Complete the video KYC (VKYC).
6. Track your application on Kotak’s website, then activate the card by generating a PIN in the Kotak mobile app (Card Controls), making a transaction, or giving a missed call to 76690 10000.

Kotak League Platinum RuPay Credit Card 2026: Lifetime Free + Up to 8 PVR Tickets

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