Kotak Infinite Credit Card Review 2026: Fees, Rewards & Lounge Access
Explore the Kotak Infinite Credit Card features: Unlimited lounge access, 2% forex markup, and monthly bonus rewards. Exclusive for Kotak Wealth Management c...
The Kotak Infinite Credit Card is a niche, high-end product for Kotak's Private Banking elite. While its reward earning potential is modest, the value is heavily concentrated in its 'unlimited' lifestyle perks like global lounge access and golf.
The Ultimate Luxury Experience
The Bottom Line
The Kotak Infinite Credit Card is a niche, high-end product for Kotak's Private Banking elite. While its reward earning potential is modest, the value is heavily concentrated in its 'unlimited' lifestyle perks like global lounge access and golf. With no annual fee, it offers 0% rewards on travel and unlimited domestic and international lounge access. For anyone researching kotak infinite credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.5599999999999999% and stacks best when your spending lines up with High-Net-Worth Individual, Frequent International Traveler.
Who Should Get This Card
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Best fit for
IdealOffers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.
Low 2% forex markup and unlimited Priority Pass access make it a strong travel companion.
Probably not for
SkipThe base reward rate is significantly lower than competitors like HDFC Infinia or Axis Magnus.
Is It Worth It For You?
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Reward Rates
Kotak Infinite Credit Card offers 0.5599999999999999% basic reward rate.
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Welcome Offer
Milestone Benefits
800 Reward Points (worth ₹800) credited every month as an interim feature.
Fees & Charges
Eligibility
- Min Income: ₹36 Lakhs
- Min Credit Score: 750
- Exclusively available for Kotak Wealth Management and Private Banking clients. Minimum age 21 years.
Exclusions & Terms
Fuel
- Surcharge waiver applicable instead of points
Rent
- Standard bank exclusion
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Frequently Asked Questions
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