Kotak Mahindra Bank
Kotak Bank Fortune Gold Card
Annual Fee
₹1,179₹999 + GSTBase Reward
1% cashback
Foreign Markup
3.5% per foreign conversion.
Welcome Benefits
N/A
Product Highlights
- Zero Membership Fee Charged
- 4 free PVR movie tickets or a cashback of ₹750 on spends of ₹1,50,000
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3000
- Zero liability cover up to ₹50,000 in case of fraudulent transactions
Category Rewards
Specialty
2 RP / ₹100 on online spends
0.5%
Reward Calculator
Earns ₹601/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
7.1K
Kotak Reward Points
₹1.8K
via standard · ₹0.25/pt
Effective rate
1.14%
Annual fee
₹1,179
Year 1 net
+₹601
Year 2+ net
+₹601
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹750 cashback
4 free PVR tickets OR ₹750 cashback
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹3,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
On spending of ₹1,50,000, you get 4 free PVR movie tickets or a cashback of ₹750.
Redemption
You can redeem your Kotak Bank Fortune Gold credit card for your PVR movie tickets or Cashback.
Benefits & Features
Get free movie tickets for any show and any given day at your nearest PVR cinemas.
Pros & Cons
Pros
- Lifetime free card
- 4 free PVR movie tickets on spending ₹1,50,000
- 1% fuel surcharge waiver
Cons
- No annual fee waiver mentioned
- Limited to specific locations for eligibility
Additional Info
The cashback received can be claimed within 3 months till the offer is valid.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Self-Emp
₹3.0L+
Networks