Kotak Infinite Credit Card
Private Banking invite-only card: 1 point per ₹125 eligible spend at updated ₹0.70 statement value after 2,000 points.
Try your spend →How this estimate works
Kotak Infinite is an invite-only card for its Private Banking clients, not a general application offer. The bank lists one reward point per complete ₹125 of eligible spend. Its updated card agreement changed statement cashback value from an older ₹1 per point to ₹0.70 per point, with a 2,000-point cash redemption minimum; this estimate uses the current lower figure. Twelve equal monthly purchases below 2,000 points score zero usable one-year cash value, not a claim that the points vanish or cannot be used later. Only ordinary eligible retail purchases are modeled; special merchant and capped categories are unscored without exact MCC and billing-cycle details. The bank also describes 800 bonus points per month as an interim substitute for movie tickets, but the duration and qualifying conditions are not established for this recurring estimate, so we omit them along with lounge, golf and concierge benefits. Kotak lists nil joining and annual fees in its key fact statement. Check card availability, current bonus terms, merchant categorization and redemption before relying on the estimate.
Issuer terms
Kotak Infinite base point earning · Updated Kotak point cash value and threshold · Kotak Infinite nil fees (KFS)
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.