Kotak Lifetime Free Credit Cards: Compare & Apply Online

Tired of watching your hard-earned money disappear in annual credit card fees? 

With Kotak Mahindra Bank lifetime free credit cards, you can enjoy all the perks of a premium card, including cashbacks, rewards and exclusive offers, without paying any joining or renewal charges.

These cards are designed to make your spending smarter and more rewarding. 

Let’s explore how the Kotak lifetime free credit card can help you save more while enjoying maximum benefits.

Types of Lifetime Free Kotak Credit Card: Benefits & Rewards  

From being able to earn several reward points to becoming eligible for interest-free periods, you can save a lot as you go about making necessary purchases. Here are the various lifetime free credit cards offered by Kotak Bank that you can consider applying for:

1. Kotak811 Dream Different Credit Card

• Get 4 reward points for online spending of ₹100 every time, with this Kotak Mahindra lifetime free credit card.
• Moreover, you can collect 1 reward point for ₹100 spent on other forms of purchasing. 

• The add-on card shall be associated with all the benefits which you already enjoy on your main card. 
• Withdraw cash up to a limit of 90% of your total available credit limit. A processing charge of ₹100 shall apply each time you withdraw from the ATM.
• A processing fee of ₹349 is applicable per ₹10,000. 
• Get 1% waiver at any petrol pump in India, for transactions between ₹500 - ₹4000 (up to a maximum amount of ₹3,500 per year). 

2. Kotak UPI RuPay Credit Card

Earn 3 Reward Points every time you spend ₹100 with this Kotak Mahindra Bank lifetime free credit card. 

• The card will be issued as a virtual-only card, ensuring instant access and enhanced security. No physical card will be dispatched. 

3. Corporate Platinum Credit Card 

• Avail a railway surcharge waiver within a calendar year up to ₹500. 

• A maximum fuel surcharge waiver limit within a calendar year is set to ₹3,500. This will be applicable only for transactions ranging between ₹500 and ₹3,000.
• You shall be granted access to airport lounges with the VISA airport lounge offer. Additionally, get 2-time access in each calendar quarter (given that you are the primary cardholder). 
• There’s the availability of an interest-free credit period up to 48 days. 
• You can opt for vendor-wise tracking of expenses allowed by employees. Accordingly, you can budget as per the spending on the corporate cards.
• The service manager personally attends to all users of the corporate cards. You can connect with them for any information about the card, like card limits, lost/stolen card and others.
• Get your corporate card replaced if it has been damaged or lost. No extra fee shall apply and the replacement can be requested anytime.

4. METRO Kotak Credit Card

• With this Kotak Mahindra bank lifetime free credit card, you can save up to 1% on Metro Spends. The amount can go up to a maximum of ₹10,000 each statement cycle.

• The cashback structure states that for ₹10,001 - ₹30,000 spent, a 0.25% cashback is extended. Further, for ₹30,001 - ₹5 lakh spent, a 0.50 % cashback can be expected. For above ₹5 lakh spent, 1% cashback is offered. 
• An activation advantage of up to ₹500 cashback is applicable on your first swipe. This is valid if you activate the card within the 30 days of its issuance. Note that the feature is valid on a transaction value of ₹10,000 per day.

Here’s a pro-tip! Make sure to clear all your Kotak credit card bills on the Pice app to earn additional benefits. 

Explore Other Banks’ Lifetime Free Credit Card Offers

How to Apply for Kotak Lifetime Free Credit Card? 

You can apply for the Kotak lifetime free credit card online in only a few simple steps. The bank will then deliver your credit card within 7 – 10 working days.

There's no requirement for any additional documents. Plus, the bank has eliminated the hassle of visiting a branch for filling out physical forms/sharing the documents. Here are the steps to apply for the Kotak credit card lifetime free options online:

Step 1: Go to Kotak Mahindra Bank’s official website.

Step 2: Navigate to the 'credit card' section.

Step 3: Browse through the range of credit card options listed and select the one that suits your financial needs.

Step 4: Click 'Apply Now' to proceed.

Step 5: Provide the necessary information, as and when prompted.

Step 6: Submit your application. 

Upon submission, a Kotak Bank representative shall contact you and inform you about the next steps. 

Must reads

How to Stop Unauthorized Credit Card Charges?

• 31 Oct 25
• 9 mins

Top 10 Kolkata Airport Lounge Access Credit Cards

• 15 Oct 25
• 7 mins

Conclusion

Before prioritising any Kotak lifetime free credit card, make sure to read up on the terms and conditions associated with the chosen card.

Check for the eligibility criteria and have all the necessary documents in handy for a smooth application process.

Choose a credit card as per your long-term financial goals and partake in worry-free spending!However, regardless of the Kotak credit card you choose, you can now manage all your payment obligations in one place.

Download the PICE app, link your credit card and conveniently handle the credit card bills!

FAQs