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Kotak Essentia Platinum Credit Card

The Kotak Essentia Platinum CreditCard is great for you if you tend to shop at departmental stores and grocery stores very often. This credit card is designed to facilitate 10% savings each time it is used at groceries stores or departmental stores. As a holder of this credit card, you can also enjoy several other benefits like card insurance and quality customer assistance. 

What is Kotak Essentia Platinum Credit Card?

The Kotak Bank Essentia Platinum Credit Card has a Rs.1,499 registration fee and is built with the wise shopper in mind. This card has an annual cost of Rs.749, which is applicable from the second year onwards. In addition, the interest rate on your outstanding debt is 40.8 percent per annum.


The Kotak Essentia Platinum Credit Card offers up to a 10% discount on all departmental and grocery store purchases. Aside from the savings, you'll get benefits like exclusive customer service, card protection insurance, and more.

Highlights of the Kotak Essentia Platinum Credit Card

  • This Kotak Credit Card is ideal for those who want to pay for their everyday department shop and grocery purchases with their credit card.
  • Within 60 days following the first swipe, earn 2 BookMyShow coupons.

Daily Shopping Benefits with the Kotak Essentia Platinum Credit Card

  • You get 10 Saving Points for every Rs.100 spent at supermarket and departmental stores for transactions between Rs.1,500 and Rs.4,000, with each point worth Rs.1.
  • In a month, you can earn a maximum of 500 points.

Kotak Essentia Platinum Credit Card Features and Benefits

  • Extra savings: For every Rs.250 spent on other categories, you receive 1 Saving Point (non-departmental & non-grocery).

  • Redeemable options that are appealing: Saving points can be redeemed for cash, airline tickets, air miles, cinema tickets, mobile recharge, and branded products conveniently and quickly online.

  • More advantages and incentives: You can also take advantage of a variety of promotional deals, such as restaurant specials and vacation packages.

  • Priority customer service: With KASSIST, you can get priority customer service. Simply text KASSIST to 5676788 from your registered cellphone number, and you will receive a call from the bank within 30 minutes.

  • Add-on cards include: The perks and characteristics of Kotak bank add-on credit cards are the same as those of the primary card. You may establish separate spending restrictions for each card and keep track of how much you spend.

  • Contactless facility: The Visa feature on the card allows you to use the contactless facility to pay for transactions up to Rs.2000. It makes it a more secure, faster, and safer method of payment.

  • Rewards for achieving milestones include:

  1. You can earn 1200 Reward Points or 6 complimentary PVR tickets if you spend Rs.1.25 lakh on the card in 6 months.

  2. You can choose from a maximum of 12 complimentary PVR tickets each year when redeeming your points.

  3. You can also choose from air tickets, air miles, mobile recharge, cinema tickets, and branded products when you receive your next payment cycle statement.

Kotak Essentia Platinum Credit Card Fees and Charges

Type of fee

Amount (Rs.)

Joining fee


Annual fee


Interest charges on outstanding balances

3.50% per month

Cash withdrawal fee per Rs.10,000 or part thereof


Late payment charges

If the outstanding amount is

Equal to or less than Rs.500 - Rs.100

Between Rs.500.01 to Rs.10,000 - Rs.500

Greater than Rs.10,000 - Rs.700

Over limit fee


Call a draft or funds transfer fee

Rs.300 for every Rs.10,000 withdrawn/transaction

Add on card charges

Rs.299 per card

Furnishing a copy of CIBIL


Fee for cash payment at a branch of the bank


Reissue or replacement of the card

Rs.100 (per issuance)

Kotak Essentia Platinum Credit Card Eligibility

The following are the eligibility requirements for the Kotak Essentia Platinum Credit Card:

  • The applicant must be between the ages of 21 and 65.
  • The bearer of an add-on credit card must be at least 18 years old.
  • Only Indian citizens are eligible to apply.

What are the Documents Required to Apply for the Card?

You must have a set of documents ready in order to apply for a Kotak Bank Essentia Platinum Credit Card. The bank uses these documents to carry out customer due diligence and KYC. The documents required to apply for this credit card are:

  • Proof of address documents like Aadhaar card, passport, voter ID, driving licence, ration card, rent agreement, utility bills

  • Proof of identity documents such as PAN card, Aadhaar Card, voter ID, passport, ration card and driving licence

  • Proof of income like salary slips and bank statements

How to Get a Kotak Essentia Platinum Credit Card?

This Credit Card is not currently available on the Bajaj Markets website. Those interested in applying for the card can do so either on the Kotak Mahindra Bank's official website or at a branch near them.


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.

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Frequently Asked Questions about the Kotak Essentia Platinum Credit Card

Every billing cycle in which you are over limit, a flat over limit fee of Rs.500 will be applied if the total transaction value exceeds 100% of the credit limit..

There are no additional savings points available for add-on cardholders. For the primary and add-on cards combined, the monthly saving point limit (500) has been set. As a result, the add-on cardholder will not receive any additional savings points.

Call 1860-266-2666 to speak with a Kotak Mahindra Bank credit card customer service agent.



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

This is a VISA chip card from Kotak Mahindra Bank.

The Kotak Bank Essentia Platinum Credit Card is accepted worldwide.

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

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

Yes, an add-on card is available. A one-time fee of Rs.299 per card will be charged.

The Kotak Essentia Platinum Credit Card is an internationally accepted credit card powered by VISA.

Yes, the Kotak Bank Essentia Platinum Credit Card is valid across the world.

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