Kotak Infinite Credit Card
The Kotak Infinite (Wealth Management Infinite) is a by-invitation Visa Infinite card offered exclusively to Kotak Private Banking clients, carrying a minimum credit limit of ₹10 lakh and bundled without a separate joining or annual fee as part of the private-banking relationship. It pairs golf privileges, airport lounge access and concierge with access to international events. Important: Kotak has closed the card to new sourcing — features and benefits now apply to existing cardholders only, so this listing exists for reference and existing holders rather than for new applications.
View Kotak White Reserve Credit Card →
Key features
What this card is built to do — the highlights that actually matter.
0.8% on Other
1 reward point per ₹125 of eligible spend. Kotak publishes no redemption schedule for this card — the ₹1-a-point basis is its own "800 Reward points worth ₹800" wording, not a published rate
️ Airport Lounge Access
4 complimentary visits a quarter (16 a year) to select domestic lounges in India
Golf Privileges
2 complimentary golf rounds a month (24 a year), plus 2 guest rounds once a quarter
24x7 Concierge
24x7 concierge and access to curated international events
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.8% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Free |
| Joining fee (incl. 18% GST) | Free |
| Forex markup | 2% |
Perks & benefits
Estimated annual value beyond rewards — ~₹26,000/yr in total.
️ lounge access ~ ₹8,000 /yr
4 complimentary visits a quarter (16 a year) to select domestic lounges in India
golf ~ ₹18,000 /yr
2 complimentary golf rounds a month (24 a year), plus 2 guest rounds once a quarter
concierge
24x7 concierge and access to curated international events
Should you get it?
Best for: Existing Kotak Private Banking clients who already hold the card, Holders who value the high limit, golf and lounge perks
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Other ( 0.8% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Minimum ₹10 lakh credit limit
- No separate joining or annual fee — bundled with Private Banking
- 2 golf rounds a month and 4 domestic lounge visits a quarter
- 800 reward points credited free every month — ₹9,600 a year on Kotak's own valuation
✕ Cons
- Closed to new sourcing — new applicants cannot obtain it
- Modest reward earning — 1 point per ₹125 — though the 2% forex markup is low for the tier
- No international lounge access; the lounge benefit is 4 domestic visits a quarter
- Available only to existing Kotak Private Banking cardholders
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem reward points via the Kotak rewards catalogue for vouchers and products
What your Kotak Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern It is closed to new sourcing, so new customers cannot get it at all; even for holders, the everyday reward earning is modest at 1 point per ₹125 — though the 2% forex markup is low, and Kotak credits 800 reward points free every month on top — with the value resting on the limit, golf and domestic lounge perks.
The bottom line
Positioned as a relationship-linked private banking card, the Kotak Infinite's primary strengths were its high ₹10 lakh-plus credit line, complimentary golf, and airport lounge access rather than high-yielding rewards. Because Kotak has closed new sourcing, it is strictly a legacy product maintained for existing cardholders rather than prospective applicants.
Sources & verification
Fees, reward rates, and benefits for the Kotak Infinite Credit Card are taken from Kotak Mahindra Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · 3 changes · last change 2024
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2024 1 change — 1 cut
▼ Eligibility Effective 2024
Closed to new sourcing — existing cardholders only
By-invitation card open to new Private Banking clients → Discontinued for new sourcing; benefits apply to existing holders only
Kotak stopped sourcing new customers for the card; every product page now carries the notice "We have discontinued Wealth Infinite Credit Card for new sourcing and the information above is displayed for existing cardholders only." The card was still openly marketed in the May 2022 issuer archive, so the closure post-dates that; the exact date is undocumented, hence year-only 2024 (in line with the sibling Kotak Privy League wind-down).
Verification: Kotak Mahindra Bank ↗ · Confidence: Reconstructed
2019 2 changes — 2 neutral
◆ Fee Effective 16 Oct 2019
Foreign-currency markup set at a low 2%
2% + GST
The card's foreign-currency markup has been a low 2% (plus GST) since it took effect on 16 October 2019, per the issuer's fees-and-charges page — well under the 3.5% typical of mainstream cards, making the card cheap to spend on abroad. The pre-October-2019 rate is undocumented, so no before value is asserted.
Verification: Kotak Mahindra Bank ↗ · Confidence: Reconstructed
◆ Launch Effective 2019
By-invitation Wealth Management Infinite card in market
Kotak Mahindra Bank's Wealth Management Infinite (marketed as the Kotak Infinite) was live as a by-invitation Visa Infinite card for Kotak Private Banking / Wealth clients, carrying a minimum ₹10 lakh credit limit, a hand-crafted card face, no joining or annual fee, 800 reward points a month (~₹800), up to 24 golf rounds a year and domestic lounge access. Exact launch date is undocumented; the issuer product page is first archived from July 2019, hence year-only.
Verification: Kotak Mahindra Bank ↗ · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: Kotak Infinite Credit Card value timeline — CardAdvisor
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Source: Kotak Infinite Credit Card value timeline , CardAdvisor (CC BY 4.0).
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Quick summary
Type Super Premium credit card
Reward rate 0.8%
Best for Existing Kotak Private Banking clients who already hold the card
Joining fee Free
Annual fee Free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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