What are the main benefits of the Kotak Essentia Platinum Credit Card?

The Kotak Essentia Platinum Credit Card offers a significant 10% return on grocery and departmental store spends, along with milestone benefits.

Is the Kotak Essentia Platinum Credit Card still available for new applications?

No, the Kotak Essentia Platinum Credit Card has been discontinued for new sourcing and is only for existing cardholders.

How can I earn reward points with the Kotak Essentia Platinum Credit Card?

You earn 10 Saving Points per ₹100 on grocery/departmental stores (capped) and 1 point per ₹250 on other spends.

What is the value of 1 Saving Point earned on the Kotak Essentia Platinum Credit Card?

Each Saving Point earned with the Kotak Essentia Platinum Credit Card is equivalent to Re. 1.

How can I redeem Saving Points from my Kotak Essentia Platinum Credit Card?

Saving Points can be redeemed via the Kotak Rewards Portal for travel, vouchers, or as cash with partner merchants.

Does the Kotak Essentia Platinum Credit Card offer any welcome benefits?

No, the Kotak Essentia Platinum Credit Card does not offer any specific welcome benefits upon joining.

What are the milestone benefits of the Kotak Essentia Platinum Credit Card?

Spend ₹1,25,000 every 6 months to get 6 free PVR tickets or 1200 reward points with the Kotak Essentia Platinum Credit Card.

Is there any insurance cover with the Kotak Essentia Platinum Credit Card?

Yes, the Kotak Essentia Platinum Credit Card includes a ₹1.25 lakh insurance cover for unauthorized transactions.

What is the foreign currency markup fee for the Kotak Essentia Platinum Credit Card?

The foreign currency markup fee for the Kotak Essentia Platinum Credit Card is 3.5% + GST on international spends.

Are there lounge access benefits with the Kotak Essentia Platinum Credit Card?

No, the Kotak Essentia Platinum Credit Card does not offer complimentary domestic or international lounge access.

Kotak Mahindra Bank

Kotak Essentia Platinum Credit Card

Please note: This offer may be discontinued and is shown for informational purposes only.

ShoppingMovies

Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

10% return on departmental/grocery stores (capped); 0.4% on others.

Reward Type

Reward Points

Reward Redemption

Redeem on Kotak portal for travel/vouchers or as cash (PayByPoints) at partner merchants.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Rs. 1.25 lakh cover for unauthorized transactions, 7 days prior to reporting card loss.

Movie

Receive 6 free PVR tickets for every Rs. 1,25,000 spent every 6 months.

Dining

Enjoy various online & offline offers on dining (World of Offers program).

Travel Benefits

Offers on vacations via World of Offers; points redeemable for flights/hotels.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

Clear, concise answers to help you understand this card better.

Similar Cards

Compare similar cards to find your perfect fit

More from Kotak Mahindra Bank

Explore other cards offered by the same provider

Comments & Reviews

Share your experience about Kotak Essentia Platinum Credit Card

Share your thoughts

Your email address will not be published. Required fields are marked *

Loading conversations...