The Kotak Biz Credit Card is designed to make managing your business expenses easy. With this card, you can enjoy discounts and earn reward points every time you use it at partner merchant outlets. To get started, there’s a joining fee of Rs. 299.


By using KOTAK BIZ CREDIT CARD, you can earn rewards points on various spending categories. For every Rs. 100 spent on Travel and Tour Operators, Domestic Airlines, Direct Marketing/Advertising services, Supermarkets, Hotels, Motels, Resorts, and Best Price Online Wholesale Market Shopping & Makemytrip MyBIZ transactions, you get 4 reward points. On all other purchases, you earn 1 reward point for every Rs. 100 spent.

As a traveler, you’ll enjoy great perks. The primary cardholder gets one complimentary access per calendar quarter to Visa affiliated lounges at Indian airports. These lounges offer gourmet meals, comfortable seating, widescreen TVs, newspapers, magazines, and free Wi-Fi.

You’ll save on fuel and railway surcharges. On fuel transactions ranging from Rs. 500 to Rs. 3000, a 1% surcharge will be waived, with a maximum waiver of Rs. 2500 per year. For railway bookings made on www.irtc.co.in, you’ll save 1.8%, and for transactions at Indian Railways Booking Counters, you’ll save 2.5%, with a maximum waiver of Rs. 500 per year.

Safety is a top priority, as the credit card comes with an embedded EMV chip for added security. You’ll also need to use a 6-digit PIN for transactions, providing higher security.

Traveling with this credit card brings comprehensive insurance coverage. You’ll be protected against lost card liability, counterfeit/skimming/phishing, and online fraud up to Rs. 50,000. There’s also purchase protection of up to Rs. 25,000, coverage for loss and delay of checked-in baggage up to Rs. 10,000 each, as well as coverage for loss of passport, travel-related documents, and missing connecting international flights during transit, each up to Rs. 10,000.

If your card is lost or stolen, or if you notice any suspicious transactions, call the Customer Contact Centre at 1860 266 2666 immediately to block the card and prevent misuse. Make sure to report the incident to the Insurance Company within 60 days to register a claim.


At our company, we genuinely care about your business and want to make every transaction valuable for you. That’s why we have partnered with various service providers to offer exclusive benefits and discounts to our Kotak Biz Credit card customers. These offers are designed to make your everyday business expenses easier and more rewarding.

Clear Tax: Get up to 25% discount on select advisory services when you use your Kotak Biz Credit card. Clear Tax provides financial advisory services, and this offer allows you to save significantly on those services.

Kotak Merchant: As a Kotak Biz Credit cardholder, you can enjoy special discounted rates and rental rates when you use Kotak Point of Sale services. This can help reduce your expenses and improve your business profits.

Best Price Online Wholesale Market Shopping: When you use your Kotak Biz Credit card for wholesale purchases at Best Price Online Wholesale Market, you’ll earn accelerated reward points. This means more rewards for your business expenses.

MakeMyTrip Biz offer: For business travelers, we have an exclusive deal with MakeMyTrip. When you book domestic hotels and flights using your Kotak Biz Credit card, you’ll enjoy great discounts and additional services.


Who can apply: The Kotak Biz credit card is specifically designed for individuals who are self-employed, proprietors, or partners of partnership firms.

Age Requirement: To be eligible for this credit card, the primary cardholder must be between 21 and 65 years of age.

Location: This credit card is available to applicants from all sourcing locations for credit cards, making it accessible across India.

Minimum Income: Applicants should have a minimum Income Tax Return of Rs. 4.8 lakh or more per year.

Residency: Applicants must be residents of India to qualify for the Kotak Biz credit card.


Joining Fees: Rs. 299 One-time fee when you get the card.

Annual Fees: Rs. 499 Yearly fee for maintaining the card.

Condition for Annual Fees Waiver – First Year: No specific condition for waiving the annual fee in the first year.

Condition for Annual Fees Waiver – Second Year: No specific condition for waiving the annual fee in the second year.

Addon Card Fees: Not applicable (No fee for additional cards)

Interest Charges on Outstanding Balances: 3.50% per year (equivalent to 42% if annualized).

Minimum Amount Due: It can be 5% or 10% of the Total Amount Due, as decided by the Bank.

ATM Cash Withdrawal/ Call a Draft/ Fund Transfer/ Cash Advance: Rs. 300 for every Rs. 10,000 or part thereof.

Late Payment Charges:

Rs. 100 for outstanding statement amount up to Rs. 500
Rs. 500 for outstanding statement amount between Rs. 500.01 to Rs. 10,000
Rs. 700 for outstanding statement amount above Rs. 10,000

Over Limit Charge: Rs. 500 charged when you exceed your credit limit.

Cheque Bounce Charges: Rs. 500 charged if a check payment bounces.

Foreign Currency Mark Up: 3.5% (charged on foreign currency transactions).

Railway Booking Surcharge: Charged on railway ticket bookings.

Fuel Surcharge: Applicable (charged on fuel purchases).

Fee for Cash Payment at Bank: Rs. 100 Charged for paying the bill in cash at the bank.

Outstation Cheque Processing Fee: Waived

Reissue/ Replacement Card: Rs. 100 Charged for issuing a new card.

Charge Slip Request: No charge for requesting a transaction slip

Machine Surcharge at ATMs: Waived

Balance Enquiry Charges at Non-Parent Bank ATM: Waived

Duplicate Statement Request: No charge for requesting a duplicate statement.

Web Pay Service Fee: No charge for using web payment services.

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