Kotak Privy League Signature (existing holders; paid variant)
Existing paid holders only: conservative base 2 points per ₹100, valued at ₹0.20 for statement cashback after 2,000 points.
Try your spend →How this estimate works
Kotak marks Privy League Signature discontinued for new applications. This guide models existing holders of its paid variant, whose annual fee is ₹2,500; the free variant or qualifying Black/Platinum banking relationship may have no annual fee and should not be treated as the same offer. The paid Shopper and Traveller plans each earn 2 points per complete ₹100 on other eligible retail purchases and 5 points on plan-specific special MCCs. Since the calculator does not know the selected plan or actual merchant category, it scores only the 2-point base. Kotak lists ₹0.20 statement cash value per point and a 2,000-point redemption minimum. Twelve identical monthly purchases projecting fewer points score zero usable one-year cash value, not an assertion of expiry. A ₹5 lakh retail-spend annual fee waiver and a Privy banking relationship waiver are possible but not assumed. The model deducts ₹2,500 plus estimated GST; the joining fee is nil. Conditional quarterly bonus points for paid holders, premium benefits and higher plan-specific reward rates are omitted. Fuel, utility and specialized MCC routes are not scored without their eligibility and cap context. Confirm your exact variant, plan, merchant code, fee and redemption terms.
Issuer terms
Kotak Privy paid/free plans and discontinued status · Kotak card agreement and redemption terms · Kotak paid/free fee variants and waiver
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.