Apply online for a FREE kotak fortune gold credit card.
"It just takes a minute to complete and submit your
kotak fortune gold visa card online application."
Save Rs.5000 or more annually
The Kotak Fortune Card is designed to meet a combination of business and personal needs for young and ambitious businessmen.
We have kept in mind the major spend areas for you, such that we give you the most relevant benefits & you can derive the maximum out of it.
The card offers you a unique combination of affordable and easily accessible cash – all year round. We give you not only interest free period on cash advances & a higher cash limit of 50% but we are also available to you at any ATM, Kotak Mahindra Bank branch, online or even on phone.
Besides this, enjoy a complete fuel surcharge waiver at any pump, complete railway surcharge waiver & exciting EMI & BT plans that no one else offers.
Safe and secure online application with SSL encryption technology.
Get your kotak mahindra fortune gold card and enjoy the savings and benefits today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
 |
Kotak Fortune Gold Card |  |
||||||||||||
|
||||||||||||||
 |
 |
|||||||||||||
Zero Charge EMI
Easy Cash Access
Interest Free Cash
Balance Transfer
|
What is the Annual & Joining Fee for this Card? There is no annual or joining fee for the Kotak Fortune Gold Card. Kotak Fortune Gold Card is free for life. What is cash limit on the Card? Cash limit on the card refers to the percentage of your credit limit which you can take as a cash advance. While most other gold cards offer a 40% cash limit on joining only Kotak Fortune gives you a higher cash limit of 50%. Is this Card valid internationally? Yes, this Card is valid internationally. Do I enjoy any interest free period on cash? Yes, only Kotak Fortune Gold Card offers you a interest free period on cash advances of up to 48 days. Do I enjoy any interest free period on retail? Yes, you also enjoy a interest free period on your retail transactions for up to 48 days. When do you charge me a Mark Up? A Mark up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up. When do you charge me an over limit charge? If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs 500 in each billing cycle that you are over limit. When do you charge me a late payment fee? If in a billing cycle your payment received till the payment due date is lesser than MAD it will attract a flat late payment charge of Rs 350 in the next billing cycle. Am I entitled for an Add-on Card? Yes, Add-on Cards are available on Fortune Gold Card for a one time fee of Rs 199 per Card. Are all the Fortune features available on the Add-on Card? Yes, all Fortune features are available for the Add-on card holder except the following: Cash Withdrawal – at branch Demand Draft – online Demand Draft – on call Is there a rewards program on Fortune Gold Card? There is currently no rewards program on the Fortune Gold Card. Cash Cash at ATM How is it different from the regular service of cash withdrawal at the ATMs? Kotak not only gives access to its own network of more than 300 ATMs but also gives you the benefit of withdrawing from any other VISA ATM at absolutely no extra charge. You just have to pay a cash withdrawal fee of Rs. 199 per Rs. 10,000 or part thereof. What is the cash withdrawal fee? Cash withdrawal fee refers to the charge which is levied every time you withdraw cash from an ATM. Only Kotak Fortune Gold Card charges a minimal Rs 199 per Rs 10,000 withdrawn at any ATM – Kotak or any other VISA ATM. What is the maximum that I can withdraw at the ATM? You can withdraw a maximum of Rs. 25000 per day – ATM withdrawal, Cash withdrawal at Branch & Funds transfer – all combined together. Cash Withdrawal @ Branch How is it different from the regular service of cash withdrawal at the ATMs? Cash withdrawal at an ATM is only possible if you remember your Credit Card PIN, incase you have forgotten the same please walk into our Kotak Mahindra Bank branch and withdraw cash from your credit card by producing relevant ID Proofs. How do I avail this service? The customer can avail of the service by walking into the branch, going to a teller’s counter and providing the teller with his Kotak credit card and his Photo ID proof. What are the ID proofs that can be accepted for the same? The following can be used – Driving License, Passport, PAN card, Voters ID. Is there a registration required? No there is no need for a registration. Just walk into any of the Kotak Mahindra Bank branches to avail the facility. What is the maximum that I can withdraw at the branch through my credit card? You can withdraw a maximum of Rs. 25000 per day – ATM withdrawal, Cash withdrawal at Branch & Funds transfer – all combined together. In addition to cash withdrawal fee is there any other service fee for branch withdrawal? There is no other fee which is applicable apart from the cash withdrawal fee. Only a cash withdrawal fee of Rs.199 per Rs.10000 as is applicable for an ATM withdrawal which will be charged to your credit card account. Fund Transfer to Card Holder’s Kotak A/c @ Branch How do I transfer the funds at a branch? The customer using his Kotak Credit Card can transfer funds into any of his existing Kotak Mahindra Bank accounts. Just walk in to a branch with your credit card and a valid identity proof and ask for a fund transfer into your account. Do I need to register for the same? No, customer does not need to register for the same. How much time it will take for the funds to get transferred into my account? Once you have placed your request, it will take minimum 36 hrs for the transfer to take place. When can I issue cheques from my account after the transfer? You can issues cheques / instructions for payment as soon as the funds get transferred into your account. Do I have to pay anything to use this service? No, this service comes to you at no extra charge. Only a cash withdrawal fee of Rs 199 per Rs 10000 as is applicable for an ATM withdrawal which will be charged to your credit card account. What is the maximum that I can transfer at the branch through my credit card? You can withdraw a maximum of Rs. 25000 per day – ATM withdrawal, Cash withdrawal at Branch & Funds transfer – all combined together. Fund Transfer to Card Holder’s A/c @ Online How do I transfer the funds online? You need to log on to on www.KotakCards.com using your username and password. Just move to the funds transfer option and follow the simple instructions given online to transfer the funds into any of your existing Kotak Mahindra Bank accounts. How much time it will take for the funds to get transferred into my account? Once you have placed your request, it will take minimum 36 hrs for the transfer to take place. Is it possible without having applied for Internet banking password? No customer requires to log in with Username and Password for fund transfer. Can I transfer funds into another Kotak Mahindra Bank account / credit card account but which is not owned by me? No, the transfer can happen only into your account. What is the maximum that I can transfer online through my credit card? You can withdraw a maximum of Rs. 25000 per day – ATM withdrawal, Cash withdrawal at Branch & Funds transfer – all combined together. Demand draft @ Home How do I get the draft made? Just call our customer care service request for a demand draft. You can also log on to www.KotakCards.com and follow the simple instructions given online to request for a draft. Can the DD be delivered at the beneficiary’s address given by the card holder? No the delivery can happen only at the customers registered address. What is the maximum value of the draft that I can get? The maximum value for which you can get a draft is your available cash balance as at the time of placing the request. Can I get a draft in a third party name? No, the draft will only be made in the card holder’s name. Fuel Surcharge Waiver Where is the waiver valid? Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but Kotak Trump Card will offer the customer fuel surcharge waiver across all domestic petrol pumps. What is the minimum/ maximum transaction amount for a single swipe? The minimum is Rs 400 and the maximum is Rs 4000. What is the maximum fuel surcharge waiver that I can get on a single transaction? The maximum transaction amount for a single swipe is Rs 4000. Hence the maximum surcharge waiver can be Rs 100 (2.5% of Rs 4000). Is there any monthly or annual cap on how much surcharge can I earn? No there is no monthly or annual cap on the surcharge that can be earned. Railway Surcharge Waiver When is the waiver applicable? On purchasing of rail tickets online the customer levied a 1.8% surcharge. Kotak Gold Card offers you a Railway Surcharge Waiver on this. Is the waiver applicable on the delivery charge? No. There is no waiver applicable on the delivery charge. What is the maximum surcharge waiver that I can get? You can earn up to Rs 500 annually as Railway Surcharge waiver. Is the waiver applicable at the ticket booking counters? Yes, the 2.5% surcharge waiver is applicable at booking counters as well if you use your Kotak Gold Card to buy the tickets. Is there a special service offered while canceling the tickets? No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets. |
Value Chart
| Your Spends | Annually | Kotak Benefits | Your Savings |
|---|---|---|---|
| Cash Withdrawal at 3.1% p.m. upto 48 days (other Cards @3.1%) | 120000 10,000 per month |
Interest Free cash withdrawal for average 30 days | 3720 |
| Fuel Surcharge Waiver | 24000 | 2.5% Surcharge Waiver | 600 |
| Railway Surcharge Waiver | 8000 | 10% Cashback | 200 |
| Zero Charge EMI (12% Rate & 2% Processing Fee) |
20000 | 0% Interest & Zero Processing Fee | 1000 |
| Your Total Savings | 5,520 |
Minimal Charges; Simplified for You
| Just 8 Charges | Other's Complicated Fees | Kotak Flat Fees |
|---|---|---|
| Late Payment Charge | Range Rs. 300/- to Rs. 600/- with 30% of Minimum Amount Due | Rs. 350/- |
| Over Limit Charge | 2.5% on over limit amount (subject to a minimum of Rs. 500/-) | Rs. 500/- |
| Cheque Bounce Payment | 2.5% of amount or Rs. 250/- whichever is lower | Rs. 300/- |
| Cash Withdrawal /Call a Draft /Fund Transfer | fees is Rs 199 per Rs 10,000 or part thereof | Rs. 199/- |
| Foreign Currency Mark Up | 3% to 3.5% | 3.50% |
| Interest Charges | 3.10% | 3.10% |
| Add-on Card | Bank dependent | Rs. 199/- |
| Joining fee | Bank dependent | Waived |
Kotak No Charge Advantage
| Other Charges | Other Credit Card Charges | Kotak Credit Card Charges |
|---|---|---|
| Balance enquiry at other ATMs |  |
 |
| Lost card replacement charge | |
|
| Charge slip retrieval charge | |
|
| Annual fee | |
|
| Renewal fee | |
|
| Machine surcharge at ATMs | |
|
| Charge for duplicate statement | |
|
|
All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.