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Last updated: 01-06-2026
Kotak Fortune Gold Credit Card
Kotak Bank

Kotak Fortune Gold Credit Card

"Kotak's entry-level rewards card โ€” 4X rewards on dining and groceries, fuel surcharge waiver and movie discounts at a low annual fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น75,000 or more in the membership year
๐ŸŽฏ Best Suited For
Entry-level Kotak Bank customers who want rewards on dining and groceries with movie discounts at the lowest annual fee
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for cashback, vouchers)
๐ŸŽ‰ Welcome Benefit
500 bonus RPs on first transaction within 30 days
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น100 on dining and grocery spends (1% effective); 1 RP per โ‚น100 on all other eligible spends (0.25%); excludes fuel, wallet, EMI, government; RPs valid 2 years
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
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โœ… Pros
  • 4X rewards on dining and grocery
  • Buy 1 Get 1 movies (1 per month)
  • Low โ‚น500 fee with easy โ‚น75K waiver
  • Fuel surcharge waiver
  • Accessible eligibility
โŒ Cons
  • No lounge access
  • High forex markup 3.5%
  • Very low base 0.25% on non-accelerated spends
  • Entry-level โ€” upgrade to Zen Signature or Delight for better benefits

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for cashback, vouchers)
Welcome Benefits
500 bonus RPs on first transaction within 30 days
Reward Rate
4 RPs per โ‚น100 on dining and grocery spends (1% effective); 1 RP per โ‚น100 on all other eligible spends (0.25%); excludes fuel, wallet, EMI, government; RPs valid 2 years
Reward Redemption
Kotak Rewards portal: cashback, vouchers, merchandise; 1 RP = โ‚น0.25; RPs valid 2 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000; maximum โ‚น500 per year
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น75,000 annual spend
Milestone Benefits
Annual fee waiver on โ‚น75K spend; 500 welcome RPs
Other Benefits
4X on dining and grocery; Buy 1 Get 1 movies via BookMyShow (1 per month); fuel surcharge waiver; contactless payments; Smart EMI; add-on cards

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
4X dining and grocery; BOGO movies; fuel surcharge waiver

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น75,000 or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Kotak Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
No lounge access; high forex markup 3.5%; base 0.25% on non-dining/grocery is very low; entry-level card

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; minimum monthly income โ‚น15,000; Indian resident
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and Kotak Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Kotak Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Kotak Bank mobile app
Instant Fraud Alerts
SMS alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 266 2666 (24x7)
Chat / Email Support
SMS KASSIST to 5676788; Kotak website chat
Mobile App
Kotak Bank mobile app
Online Banking
Kotak Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:33 PM
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