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Kotak Infinite Credit Card
Kotak • Visa

Kotak Infinite Credit Card

Kotak premium card with strong lounge access positioning and travel-friendly rewards.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹2500Waived on eligible annual spends as per issuer terms
Base Reward1.2%On all spends
Lounge Access2222 domestic • 0 intl
Est. Annual Savings₹-758Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹4,320

Assumes base reward rate only.

Annual fee₹2,500

Waived on eligible annual spends as per issuer terms

Net value₹1,820

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
2.0%
Dining
2.0%
Basedefault
1.2%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Kotak Infinite Credit Card is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on travel-aligned lanes, while broad base return remains closer to 1.2%.
  • Current mapped lounge footprint is 22, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹2,500
  • Annual fee₹2,500
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count22
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows22
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports12
  • Approval reports7

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Kotak Royale Signature

Annual fee: ₹999

Shared focus: Travel, LifestyleHigher top earn rate (4.0%)Estimated +₹2,899/yr value
View Details
Step 2

Myntra Kotak Credit Card

Annual fee: ₹500

Shared focus: Rewards, LifestyleHigher top earn rate (4.0%)Estimated +₹3,959/yr value
View Details
Step 3

Kotak Mojo Platinum

Annual fee: ₹1000

Shared focus: LifestyleHigher top earn rate (2.5%)Estimated +₹2,059/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Kotak Infinite Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible annual spends as per issuer terms

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

22 airport lounge rows
View lounge map and location list22 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BLRDomestic

BEN • Bengaluru Airport • Terminal 1

Chandigarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

CHA • Chandigarh Airport • Main Terminal

Chennai

3 lounges • 3 domestic • 0 international

3
Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Dabolim

1 lounges • 1 domestic • 0 international

1
Brew House DabolimDomestic

DAB • Dabolim Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Pune

2 lounges • 2 domestic • 0 international

2
Elysian Lounge FFDomestic

PUN • Pune Airport • New Terminal

Elysian Lounge GFDomestic

PUN • Pune Airport • New Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Premium-tier Kotak card with high lounge footprint
  • Useful upgrade path from entry Kotak cards
  • Balanced travel and lifestyle benefits

Things to Consider

  • Fee needs planned spending to justify
  • Program limits and spend qualifiers may apply
  • Reward yield varies by redemption channel

About Kotak Infinite Credit Card

Kotak Infinite Credit Card is a points card from Kotak, best for kotak users seeking a premium lounge-oriented upgrade. It is tagged under travel, premium, rewards, lifestyle categories in our database.

TravelPremiumRewardsLifestyle

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Frequently asked questions

Is Kotak Infinite Credit Card lifetime free?

It has an annual fee of ₹2500. Waived on eligible annual spends as per issuer terms

What rewards does Kotak Infinite Credit Card offer?

Kotak premium card with strong lounge access positioning and travel-friendly rewards.

Does Kotak Infinite Credit Card include lounge access?

Kotak Infinite Credit Card lists 22 lounge visits (22 domestic, 0 international).

Who should consider Kotak Infinite Credit Card?

Kotak users seeking a premium lounge-oriented upgrade

Where can I apply for Kotak Infinite Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.