What are the fees and charges for the Kotak Essentia Platinum Credit Card?

The Kotak Essentia Platinum Credit Card is designed for people who enjoy grocery shopping. The target audience of this Kotak Credit Card is housewives and children. Furthermore, because of the variety of grocery benefits available, it is regarded as one of the best credit cards for grocery rewards. Furthermore, it offers advantages in a variety of other areas. It comes with a joining fee of Rs. 1499. Keep reading the article to know all about “What Fees and Charges are required for Kotak Essentia Platinum Credit Card?”

Fees and Charges of Kotak Essentia Platinum Credit Card

Kotak Essentia Credit Card has various benefits in different categories. It is a reward-centric credit card that is specially designed to provide grocery rewards to customers. To get the credit card you just need to spend an amount of Rs. 1499 and Rs. 749 renewal charges. 

Benefits and Features of Kotak Essentia Platinum Credit Card

Below are the features and benefits that you can avail of the Kotak Essentia Platinum Credit Card:

  • Every time you spend Rs. 100, you will receive up to 10 saving points. However, the transaction should take place in department stores and grocery stores.
  • Saving points have their own monetary value. 1 saving point is equivalent to Rs.
  • You can use the reward points you earned to book flights, recharge your phone, and do a variety of other things.
  • Every six months, spend Rs. 1,25,000 and get up to six free PVR movie tickets. In addition, for every Rs. 1,25,000 spent in 6 months, you will receive 1200 reward points.
  • The interest-free period is up to 48 days from the date of purchase.
  • Get 1 point for every Rs. 250 spent in other categories.

Eligibility Criteria for Kotal Essentia Platinum Credit Card

Kotak Bank has established certain eligibility requirements that must be met. As a result, the application process runs more seamlessly. To apply for this Kotak Credit Card, you must be between the ages of 18 and 65. Furthermore, the bank is only offering credit cards in a few cities across the country. You can apply for the Kotak Essentia Credit Card if you live in Ahmedabad, Bangalore, Chandigarh, Chennai, NCR, Hyderabad, Kolkata, Mumbai, Navi Mumbai, or Pune. However, in order to be eligible, the applicant must be an Indian citizen. 

Important Points to Remember

Here are a few important points you should keep in mind before applying for the Kotak Essentia Platinum Credit Card:

  • It is one of the best credit cards for grocery rewards.
  • You can easily contact the bank using their service called “KASSIST.”
  • The add-on card comes with the Kotak Essential Credit Card and includes all of the card’s benefits.
  • With the Kotak Essentia Credit Card, you can keep track of all your spending in one place.
  • To apply for a credit card, you must have proof of identity, an aadhar card, a PAN card, a photograph, and proof of income.


Kotak is a pioneer lender when it comes to the credit card segment. It is continuously upgrading the existing credit or launching new credit cards in the market. We have all seen the exclusive credit cards that Kotak offers in a variety of categories. Furthermore, they are all backed by customer service, incredible features, reward points, discounts, deals, and a variety of other things. Since it offers grocery rewards, the Kotak Essentia Platinum Credit Card has been a truly revolutionary item for housewives. What would be more calming for a housewife is to receive rewards for the groceries she purchases. It also offers rewards in other categories, such as movies. At last, we can conclude that we are paying a nominal amount of fee and getting amazing returns. 

Leave a Reply

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