Kotak Biz Edge Credit Card
Kotak Mahindra Bank
Kotak Biz Edge Credit Card
Kotak Mahindra Bank
Annual Fee
₹999
Effective Rate
0.50%
Network
VISA
Point Value
₹0.50/pt
About Kotak Biz Edge Credit Card
Business card with enhanced Air Miles on travel bookings via Kotak Unbox. Lounge access. ₹999 annual fee.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleBusiness Travel Benefits
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹999 with no waiver option
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 8% | 800 pts≈ ₹400 |
| All other spends | 2% | 200 pts≈ ₹100 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the Kotak Mahindra Bank website for current transfer partners and ratios.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter via DreamFolks
~₹4,000/yr value
Business Travel Benefits
Air miles on business travel and hotel bookings
~₹5,000/yr value
Business Travel Insurance
Business travel insurance and trip cancellation cover
~₹3,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Annual Fee Waiver – ₹2L Spend: Annual fee of ₹999 waived on achieving spends of ₹2,00,000 or more in the card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Kotak Mahindra Bank website.
| Annual Fee | ₹999 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Kotak Biz Edge Credit Card.
Ready to apply for Kotak Biz Edge Credit Card?
Apply directly on the Kotak Mahindra Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.