Premium
Kotak Privy League Signature
Kotak 7.6
CardTrail Score
Very Good
out of 10
Annual Fee
₹2,999
Spend ₹4L/year
Forex Markup
2.5%
Reward Rate
1%
Up to 3%
Lounge Access
8
domestic | 4 intl
About This Card
Kotak Privy League Signature is a competent mid-tier card with solid lounge access and 3X on travel. It doesn't quite match HDFC Regalia Gold or Axis Atlas in value, but for Kotak customers it's the best option before upgrading to their 811 series.
Pros & Cons
Pros
- Good lounge access package
- 3X on travel
- PVR complimentary tickets
- Decent fee-to-benefit ratio
Cons
- 2.5% forex — not the best
- Kotak reward ecosystem is limited
- Less competitive than HDFC/Axis at same tier
Fee Details
Annual Fee
₹2,999
Joining Fee
₹2,999
Fee Waiver Condition
Spend ₹4L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
3%
Currency
Reward Points
Welcome Bonus
3,000 Reward Points
Lounge Access
Domestic Lounges
8
per quarter
International Lounges
4
per quarter
Key Highlights
- + 8+4 lounge visits/quarter
- + 3X on travel and international
- + Complimentary PVR tickets
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Quick Summary
Best For
travel general
Annual Fee ₹2,999
Base Reward 1%
Max Reward 3%
Forex Markup 2.5%
Network Visa Signature
Min Income ₹6L+
CardTrail Score
Best For
travel general
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