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The Kotak Mahindra Bank Essentia Platinum Credit Card offers you 10% savings on everyday purchases in the form of reward points. Apart from rewards, the card brings you saving  opportunities too. You can earn saving points to save up to ₹7741 in the first year and up to ₹8491 from the second year onwards as per the value chart. 


What’s more? Get movie tickets on crossing spending milestones and exciting offers from partners. Compare its benefits against those of 30+ variants on Bajaj Markets and get a credit card online.

Features and Benefits

Here is an overview of some features that make this credit card a smart choice:

  • Get 10 saving points for every ₹100 spent in departmental stores and on groceries

  • Earn 1 Saving Point for every ₹250 spent on other categories 

  • Redeem all your accumulated points online to get cashback, airline tickets and more 

  • Get priority customer service with the KASSIST facility

  • Enjoy all the primary cardholder’s benefits on add-on cards, which include customisable credit limits and easy tracking of your transactions 

  • Use the Visa payWave contactless facility to pay for transactions of up to ₹5,000 without a PIN

  • Earn 1,200 reward points or 6 complimentary PVR tickets if you spend ₹1.25 Lakhs every 6 months

Eligibility Criteria and Documents Required

This card is easy to get if you meet the simple criteria and produce basic documents before applying. 


Following are the eligibility requirements to apply for the Kotak Mahindra Bank Essentia Platinum Credit Card:

  • Minimum Age: 21 years 

  • Maximum Age: 65 years

  • Minimum Age for Add-on Credit Card: 18 years

  • Nationality: Indian residents living in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi, Gurgaon, Noida, Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune


If you meet the eligibility parameters, apply with the following documents: 

  • Proof of Address: Aadhaar card, passport, voter ID, driving licence, ration card, rent agreement, and utility bills
  • Proof of Identity: PAN card, Aadhaar Card, voter ID, passport, ration card, and driving licence
  • Proof of Income: Salary slips and bank statements

How to Apply for a Kotak Mahindra Bank Essentia Platinum Credit Card

You can apply for this card either on Kotak Mahindra Bank's official website or by visiting the nearest branch. This card is not available on Bajaj Markets. 

Customer Care Details

You can contact the credit card customer care team on the following toll-free numbers:

  • 1860-266-2666

  • 1800-209-0000

Fees and Charges

Compare your savings with the cost of maintaining a credit card to make an informed choice.


Here is the list of associated charges the issuer levies on this card:

Type of Fee


Joining fee


Annual fee


Interest on outstanding balances

3.50% per month

Cash withdrawal fee per ₹10,000 or part thereof


Late payment charges

If the outstanding amount is:

  • Equal to or less than ₹500: ₹100

  • Between ₹500.01 to ₹10,000: ₹500

  • Greater than ₹10,000: ₹700

Over-limit fee


Call a draft, funds transfer fee, and ATM Cash Withdrawal

₹300 for every ₹10,000 withdrawn/transaction

Add-on card charges

₹299 per card

Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details.


Note: This card is discontinued by Kotak Mahindra Bank and may be visible only for existing card holders.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Frequently Asked Questions

Will I have to pay charges for exceeding the credit limit on my Kotak Mahindra Bank Essentia Platinum Card?

Yes, every time you exceed 100% of the credit limit, you have to pay a flat over-limit fee of ₹500 per billing cycle.

Is there a different saving point system for the add-on cardholder?

There are no additional saving points available for add-on cardholders. For the primary and add-on cards combined, the issuer has set a monthly limit of 6,000 and 240 for the two categories. As a result, the add-on cardholder will not receive any additional saving points.

How can I contact Kotak Mahindra Bank in the event of a card-related emergency?

Call the toll-free numbers 1860-266-2666 or 1800-209-0000 to get 24/7 emergency assistance for your Kotak Mahindra Bank credit card.

How does the insurance coverage assist you?

If the card is lost or stolen, the insurance will repay you for any unauthorised or fraudulent usage once the claim is approved. This coverage is valid for both primary and supplementary cards for up to 7 days before the reporting date.

In the Kotak Mahindra Bank Essentia Platinum Credit Card, what kind of chip is used?

This is a VISA chip card specifically designed for High-Net-Worth individuals.

Is the Kotak Mahindra Bank Essentia Platinum Credit Card accepted worldwide?

Yes. The Kotak Mahindra Bank Essentia Platinum Credit Card has global acceptance, so you can use it worldwide.

When I use the Kotak Mahindra Bank Essentia Platinum Credit Card, will I enjoy an interest-free period?

Yes, you get to enjoy a 48-day interest-free period on purchases made with the card.

What is the credit card's annual percentage rate?

This credit card has a monthly interest rate of 3.50%.

Does the Kotak Mahindra Bank Essential Platinum Credit Card come with an add-on card?

Yes, you can opt for add-on credit cards with a one-time fee of ₹299 per card.

What kind of card is the Kotak Mahindra Bank Essentia Platinum Credit Card?

The Kotak Mahindra Bank Essentia Platinum Credit Card is an internationally accepted credit card powered by VISA. This card is most suited for shopping at departmental and grocery stores, but you can use it across diverse categories.

Is the Kotak Mahindra Bank Essentia Platinum Credit Card internationally valid?

Yes, you can use your Kotak Mahindra Bank Essentia Platinum Credit Card across the world.

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