What is the Kotak Biz Business Credit Card?

The Kotak Biz Business Credit Card is designed for entrepreneurs and self-employed individuals to manage business expenses and earn rewards efficiently.

What are the main reward categories for the Kotak Biz Business Credit Card?

The Kotak Biz Business Credit Card offers 4X reward points on travel, hotels, advertising, and supermarket spends, with 1X on other transactions.

What is the joining fee for the Kotak Biz Business Credit Card?

The joining fee for the Kotak Biz Business Credit Card is ₹299 + GST.

Are there any insurance benefits with the Kotak Biz Business Credit Card?

Yes, it includes card liability cover of ₹50,000, purchase protection, and comprehensive travel insurance benefits for the Kotak Biz Business Credit Card.

Can I get a waiver on fuel surcharge with the Kotak Biz Business Credit Card?

Yes, the Kotak Biz Business Credit Card offers a 1% fuel surcharge waiver for transactions between ₹500 and ₹5000, up to ₹2500 annually.

How can I redeem reward points from my Kotak Biz Business Credit Card?

Reward points from the Kotak Biz Business Credit Card can be redeemed via the Kotak Rewards Portal for flights, hotels, vouchers, merchandise, or cash.

Is the Kotak Biz Business Credit Card suitable for international transactions?

The Kotak Biz Business Credit Card has international validity but carries a 3.5% foreign currency markup on international transactions.

What is the annual fee for the Kotak Biz Business Credit Card?

The annual fee for the Kotak Biz Business Credit Card is ₹499 + GST.

Who is eligible for the Kotak Biz Business Credit Card?

The Kotak Biz Business Credit Card is for self-employed individuals, proprietors, and partners aged 21-65 with an annual ITR of ₹4.8 lakh+.

Kotak Mahindra Bank

Kotak Biz Business Credit Card

Q: Does the Kotak Biz Business Credit Card offer lounge access?

Yes, the Kotak Biz Business Credit Card provides 1 complimentary domestic lounge access per quarter with a spend of ₹75,000 in the previous quarter.

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Last updated: 30 October 2025

Benefits & Features

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Welcome Offer

No specific welcome bonus is offered.

Rewards Rate

4 reward points per ₹100 on select categories, 1 reward point per ₹100 on others.

Reward Type

Reward Points

Reward Redemption

Redeem at Kotak Rewards Portal for flights, hotels, vouchers, merchandise. Cash redemption available.

Domestic Lounge Access

1 complimentary domestic lounge access per quarter on ₹75,000 spend in previous quarter.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

₹50,000 card liability, ₹25,000 purchase protection, and travel insurance for delays/cancellations.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Complimentary domestic lounge access, comprehensive travel insurance, and accelerated rewards on travel spends.

What matters, explained clearly

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Frequently Asked Questions

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