The Kotak League Platinum Credit Card is a lifetime free rewards card with a twist: its earn rate doubles once you cross ₹2 lakh of spending in a year. Add half-yearly milestones that give you free PVR tickets or bonus points, and it is a strong free card for people who use one card for most of their spending.
How the rewards work
| Where you spend | What you earn |
|---|---|
| All eligible spends, up to ₹2 lakh a year | 4 points per ₹150 |
| All eligible spends beyond ₹2 lakh a year | 8 points per ₹150 |
| Select categories: travel, electronics, department stores | Up to 8 points per ₹150 |
| ₹1.25 lakh spend in each 6-month period | 4 PVR tickets or 10,000 bonus points |
Good to know: the offer data does not state a rupee value per point. Check Kotak’s redemption catalogue to see what your points buy before choosing between PVR tickets and the 10,000 bonus points.
Limited-time offers
- Welcome voucher: spend ₹1,000 within 30 days of card issuance and get a ₹500 Flipkart voucher. Valid till 31 October 2026; the claim code arrives within 60 days.
- Zepto: 10% instant discount up to ₹125 on orders of ₹999 or more, once per card per month, from 1 October to 9 November 2026.
What you would actually earn
Spend ₹25,000 a month (₹3 lakh a year). The first ₹2 lakh earns about 5,333 points and the next ₹1 lakh earns about 5,333 more at the doubled rate. You also hit ₹1.25 lakh in both halves of the year, so you collect 8 PVR tickets or 20,000 bonus points. All of that comes from a card with no annual fee.
Other benefits
- Railways: save up to ₹500 a year on bookings via IRCTC or at railway counters.
- Fuel: 1% waiver on ₹500–₹4,000 transactions, capped at ₹3,500 a year.
Because the rate doubles after ₹2 lakh, this card rewards concentrating your spending on it rather than splitting across several cards.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month or more |
| Income (self-employed) | ITR above ₹3 lakh a year |
| Credit score | 700 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on Kotak Mahindra Bank site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you spend ₹20,000 or more a month on one card, enjoy movies and want a free card whose rewards grow as you spend.
Skip it if you spend little or prefer cashback you can see on your statement. Kotak’s Cashback Plus is the simpler pick for that.
