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What is a Kotak Fortune Gold Credit Card?

Over the past years, Kotak Mahindra Bank has succeeded in establishing itself as one of leading banks in the Indian banking landscape. Among the various services they offer, their specialised range of credit cards is one of the most popular. One impressive entrant in this range of Kotak Mahindra Bank’s credit cards is the Kotak Fortune Gold credit card, designed to make it easier to enjoy interest-free cash withdrawal with a high limit. It also comes packed with an exciting variety of benefits, making it perfect for businessmen and various forms of professionals.


Here’s everything you need to know about the Gold Fortune Kotak Mahindra Bank credit card.

Kotak Fortune Gold Credit Card Features & Benefits

Apart from being an ultra-convenient mode of payment, the Kotak Mahindra Fortune Gold credit card offers a variety of useful features and benefits to cardholders. Let’s take a closer look at some of the essential features and benefits of the Kotak Fortune Gold Card.

  • Access Cash More Easily: With the Kotak Bank Fortune Gold credit card, you get the option to withdraw cash anytime you wish at the nearest Kotak or other VISA ATMs. This withdrawal limit can be up to 50% of your credit limit. Apart from this, you can also use the card for convenient fund transfers and demand drafts online.

  • Balance Transfer Made Simpler: With just a single call, you can easily transfer your balance from a different card into your Kotak Mahindra Bank Fortune Gold credit card. The processing fee for the same is charged at just Rs. 349 for every Rs. 10,000 transferred.

  • Fuel Surcharge Waiver: The Kotak Fortune Gold Card also offers another useful advantage - surcharge waivers on fuel transactions ranging between Rs. 500 and Rs. 3000. The limit for this fuel surcharge waiver is clocked in at Rs 3500 per year.

  • Fortune Shield: In the event that your card gets stolen, the Kotak Gold Fortune credit card has you covered. You can receive a cover of up to Rs.50,000 against any fraudulent charges made against your stolen card.

Kotak Fortune Gold Gold Credit Card Fees & Charges

As we know, the charges and fees associated with credit cards vary from one to the other. In the case of the Kotak Fortune Gold credit card, here are the associated fees and charges:

Type of Fee/Charge

Amount (Rs.)

Annual Fee


Joining Fee 


ATM Cash Withdrawal Charge

Rs. 199

Add-on Card Fee 


Interest on Outstanding Balance

3.5% per month

Foreign Currency Mark-up

3.5% per month

Late Payment Fee

  • Outstanding balance < Rs.500: Rs.100

  • Outstanding balance between Rs.500 and Rs.10,000: Rs.500

  • Outstanding balance > Rs.10,000: Rs.700

Over Limit Charge


Charges for Bounced Cheque


Charges for Cash Payment


Replacement of Card/Reissue of Card


1. Kotak Fortune Gold Credit Card Rewards

As a Kotak Fortune Gold credit card holder, you can receive a multitude of offers and rewards at your fingertips. As mentioned before, the Kotak Fortune Gold credit card offers easy access to cash withdrawals and balance transfers, apart from offering surcharge waivers on railway booking transactions.


Apart from these offers, however, the Kotak Fortune Gold card also sets out specific expenditure milestones. On meeting these milestones, the cardholder can receive additional benefits and incentives as well.


One such benefit makes the cardholder eligible to receive four free PVR tickets on the expenditure of Rs. 1,50,000 made by the Kotak Fortune Gold card in a single year. These tickets are applicable for your choice of movie, day, and show timings and can also be transferred. In case you are not interested in the movie tickets, you can also redeem this benefit in the form of Rs. 750 as cash back.

Kotak Fortune Gold Gold Credit Card Eligibility Criteria

The Kotak Fortune Gold credit card has certain eligibility criteria that a potential cardholder must meet to acquire this card. The most important eligibility criteria for the Kotak Mahindra Bank Fortune Gold credit card are as follows:

  • The cardholder must be an Indian resident.
  • The age of the cardholder must be between 21 and 65 years. This age limit applies to the primary cardholder, while any add-one cardholders must be above the age of 18.
  • In order to be eligible for the Kotak Gold Fortune credit card, the cardholder must be located in the following cities: Ahmedabad, Chennai, Chandigarh, Bangalore, Chennai, Delhi (including Noida and Gurgaon), Mumbai, Hyderabad, Navi Mumbai, Kolkata or Pune.
  • In order to qualify, the cardholder’s annual income must be Rs. 3 Lakhs or above.
  • The Kotak Bank Fortune Gold credit card is only available for busi

How to Apply for Kotak Fortune Gold Gold Credit Card

It is important to note that the Kotak Fortune Gold credit card cannot be applied for through the Bajaj Markets website. Hence, the best method to apply for the credit card would be either online through the Kotak Mahindra Bank website or at their nearest branch.


Here are the simple steps you can follow to apply for the Kotak Fortune Gold credit card online:

  • To start your application process for the Kotak Fortune Gold card, go to the official Kotak Mahindra Bank website.

  • Go to the Credit Card section, and from the extensive slew of credit card products that are on offer, select ‘Fortune Gold Credit Card’.

  • Next, you will be required to click on the ‘Apply Now’ option, leading to a form that you can fill out with all the relevant details.

  • Make sure to check your eligibility criteria prior to beginning the application process to make the process more efficient.

How to reach Kotak Fortune Gold Gold credit card customer care?

In case you have queries related to your Kotak Gold Fortune credit card, you can reach out to Kotak Mahindra Bank credit card customer care. You can do so by calling the following number: 1860 266 2666.


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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What is Kotak Mahindra Fortune Gold credit card?

The Kotak Fortune Gold credit card is a specialised credit card offered by the Kotak Mahindra Bank. This credit card allows cardholders to gain easy access to cash withdrawals at a limit of up to 50% of your credit card limit. 

What is the Kotak Fortune Gold Gold Credit Card limit?

With this credit card, you can withdraw up to Rs. 25,000 per day. 

What is the Kotak Fortune Gold Gold Credit Card statement?

You can view your Kotak Fortune Gold Credit card statement here: https://kapps.kotak.com/CCPreLogin/Statement/statement


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