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Kotak Biz credit card

Kotak Biz Credit card is designed to manage your business expenses seamlessly, don’t believe us? Let us show you how:

Exciting Rewards Programme

Airport Lounge Access

Fuel & Railway Surcharge Waiver

Enhanced Card Security

Curated Alliances Programme

Exciting Rewards Programme
- Earn 4 reward points for every Rs.100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts*
- Earn 1 reward points for every Rs.100 on all other spends
  
  Refer to the below table for categories related to accelerated reward points**.
  
  Category Reward points
  Travel and Tour Operators & Domestic Airlines 4
  Direct Marketing/Advertising services 4
  Super Market 4
  Lodging – Hotels, Motels, Resorts 4
  
  *Posting of the Reward points earned on all transactions done within a billing cycle will reflect in that respective month’s statement.
  
  **Each category mentioned in the above table has a Merchant category code (MCC) which are defined by Visa. Transactions on all merchants having the above MCCs will be applicable for accelerated reward points
Travel with comfort
- 1 complimentary access per calendar quarter to Visa affiliated lounges across Indian airports for Primary Card member
- Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi.
Fuel & Railway Surcharge Waiver
- 1% on transaction Fuel surcharge to be waived only for transactions between values of Rs. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 2500 in a calendar year
- Save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters.
- The maximum railway surcharge waiver that is allowed in a calendar year is Rs.500/-.

Category	Reward points
Travel and Tour Operators & Domestic Airlines	4
Direct Marketing/Advertising services	4
Super Market	4
Lodging – Hotels, Motels, Resorts	4

Travel Insurance programme

Travel Insurance programme	Sum Insured in INR
Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection).	50,000
Purchase Protection	25,000
Loss of Checked in Baggage	10,000
Delay of Checked in Baggage	10,000
Valuable Documents Cover	10,000
Missing of Connecting International Flight During Transit	10,000

In case of lost/stolen card or any suspicious transaction on your kotak card, you are required to immediately call Customer Contact Centre 1800 266 4545 (local call rates apply) or write to [email protected] and get your credit card deactivated / blocked to prevent misuse and register a claim with the Insurance Company.
Claim documents are to be submitted by Card holder within 60 days from the date of intimation on the above number.

Enhanced Card Security
- Safety features:
  Embedded EMV Chip lends an additional level of security
  6-digit PIN authentication for higher security of your transactions

Interest free period: Upto 48 days

Fees and charges:
- Joining Fee: Rs 299
- Annual Fee: Rs 499
- For all other charges, refer MITC

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Exciting Rewards Programme

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Fuel & Railway Surcharge Waiver

Enhanced Card Security

Curated Alliances Programme

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