Kotak Mahindra Bank× MyntraMastercard
Myntra Kotak
Net savings₹7,623/yr
Savings rate2.3%
Annual feeWaived ₹590
Lounge✈4 dom
✓ Base rate 1.25% on other spends earns you about ₹2,823 a year on ₹2,25,840 of spend.
Issuer · 8 cards · updated 2026-09-19
Kotak Mahindra Bank credit cards, ranked
Every Kotak Mahindra Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best Kotak Mahindra Bank credit card (Sept 2026): Kotak Mahindra Bank Myntra Kotak – score 70/100, ₹7,623 net a year for the standard profile; Zen Signature is next. 8 Kotak Mahindra Bank cards on CardLens: 1 lifetime free, 5 with lounge access.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 Kotak Mahindra Bank cards
Kotak Mahindra BankVisa
Zen Signature
Net savings₹4,483/yr
Savings rate1.4%
Annual feeWaived ₹1,770
Lounge✈8 dom
✓ 10 Zen points/₹150 on apparel, department stores, travel earns you about ₹1,804 a year…
Kotak Mahindra Bank× IndiGoVisa
IndiGo Ka-ching 6E Rewards XL
Net savings₹4,687/yr
Savings rate1.4%
Annual feeWaived ₹1,770
Lounge✈8 dom
✓ 3% on grocery, dining, entertainment earns you about ₹2,851 a year on ₹95,040 of spend.
All 8 Kotak Mahindra Bank cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | Myntra KotakKotak Mahindra Bank | 70/100 | ₹7,623 2.3% rate | Shopping · 3.5% forex | Waived | 4 domestic/yr |
| 2 | Zen SignatureKotak Mahindra Bank | 54/100 | ₹4,483 1.4% rate | Premium · 3.5% forex | Waived | 8 domestic/yr |
| 3 | IndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank | 53/100 | ₹4,687 1.4% rate | Travel · 3.5% forex | Waived | 8 domestic/yr |
| 4 |  Royale SignatureKotak Mahindra Bank | 45/100 | ₹1,706 0.5% rate | Premium · 3.5% forex | Waived | 8 domestic/yr |
| 5 |  League PlatinumKotak Mahindra Bank | 34/100 | ₹2,613 0.8% rate | Entry-level · 3.5% forex | Waived | No lounge access |
| 6 |  811 #DreamDifferentKotak Mahindra Bank | 31/100 | ₹1,710 0.5% rate | Entry-level · 3.5% forex | Free for life | No lounge access |
| 7 |  PVR INOX KotakKotak Mahindra Bank | 29/100 | ₹1,573 0.5% rate | Lifestyle · 3.5% forex | Waived | No lounge access |
| 8 |  White ReserveKotak Mahindra Bank | 24/100 | −₹11,357 -3.5% rate | Super-premium · 2% forex | You pay ₹14,750 | unlimited domestic + 8 international/yr |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
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Frequently asked questions
Which Kotak Mahindra Bank credit card is best?
For the standard ₹32k/month profile, Kotak Mahindra Bank Myntra Kotak scores highest (70/100, ₹7,623 recurring net savings), ahead of Zen Signature (54). Your own spend can change the order – use Find My Card.
Which Kotak Mahindra Bank credit card is lifetime free?
811 #DreamDifferent is lifetime free on CardLens data (some only on offer, with a relationship or against a fixed deposit).
Which Kotak Mahindra Bank credit card gives airport lounge access?
Myntra Kotak (4 domestic, needs ₹50,000/quarter); Zen Signature (8 domestic); IndiGo Ka-ching 6E Rewards XL (8 domestic); Royale Signature (8 domestic); White Reserve (Unlimited domestic).