cards / mid / kotak-essentia-platinum
KotakVisamid-tier

Kotak Essentia Platinum Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 749/yr
joining fee₹ 1,499
base earn rate0.4 / ₹100
rewards inSaving Points
forex markup3.5%

✓ best for

Grocery (all)

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.4 / ₹100
Grocery (all)10 / ₹100₹ 500

benefits & perks

Movie Tickets

6 movie tickets by PVR on the expenditure of Rs. 1,25,000 in 6 months.

unlocks at ₹ 1,25,000/yr

Insurance cover~₹ 1,25,000/yr

Insurance cover worth Rs. 1.25 lakh against unauthorized transactions up to 7 days prior to reporting the loss of card.

run your spend profileto see this card's value for you.