Kotak Purchase Credit Card (physical CCCL)
Physical corporate-company-liability only · nil fees · fuel surcharge relief only: 1% on ₹500–₹3,000, ₹3,500 calendar-year cap
Try your spend →How this estimate works
Physical Kotak Purchase CCCL only, not a personal retail card. Eligibility and allowed spending depend on the company program and corporate agreement. Virtual Purchase, shorter-billing-cycle variants and TMC are excluded. The named Purchase product and fee table publish nil joining and annual fees and a 1% fuel surcharge waiver. The named Purchase KFS has Version Control 04082026 (04 Aug 2026); it confirms nil fees and fuel waiver on ₹500–₹3,000 transactions, capped at ₹3,500 per calendar year. This conservative floor prices one eligible offline purchase per month repeated twelve times, giving at most ₹30 per month or ₹360 per year; the annual cap cannot bind. No GST reversal or minimum-charge uplift is assumed. Online and out-of-range fuel purchases give zero relief. Company-level cashback, points, procurement, railway, travel and credit-period benefits remain unpriced, not absent. No other corporate variant terms are imported. This is surcharge relief, not cashback or a full return estimate.
One purchase per month
₹500 gives ₹5 monthly relief, ₹1,000 gives ₹10, and ₹3,000 gives ₹30. Repeated for twelve months, that is ₹60, ₹120 or ₹360. ₹499 and ₹3,001 are outside the range. Company-program eligibility and allowed-spend rules apply. Virtual Purchase, shorter-cycle variants and TMC excluded.
Issuer sources
Kotak named Purchase product: company liability and fuel waiver · Named Purchase fees: nil fees and 1% waiver · Named Purchase KFS: Version Control 04082026 (04 Aug 2026), nil fees and fuel range/cap
Checked 1 October 2026. Purchase KFS Version Control 04082026 (04 Aug 2026). Company-program eligibility applies. Physical CCCL only; other variants excluded.