Kotak Bank Fortune Gold Credit Card

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The Kotak Bank Fortune Gold Credit Card is a useful credit card from Kotak Mahindra Bank that gives you rewards and savings based on how much you spend in a year. If you spend ₹1,50,000 in a year, you’ll get 4 free PVR movie tickets and ₹750 cashback. The card also gives a 1% fuel surcharge waiver on fuel purchases between ₹500 and ₹3,000. It comes with a 0% balance transfer option to help you manage your credit card bills easily.

This card also lets you withdraw cash without interest for up to 48 days, with a cash limit of up to 50% of your total credit limit. You also get fuel and railway surcharge waivers. Plus, you can earn and redeem reward points on many different things. With features like cashback, easy cash access, and savings, the Kotak Fortune Gold Credit Card is a great choice for your everyday spending needs.

Credit Card Detail
Kotak Bank Fortune Gold Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping | Movies
Reward Type
N/A
Welcome Benefits
N/A
Apply Now
Rewards Rate
N/A
Reward Redemption
Spend ₹1,50,000 in a year and choose your reward—either 4 free PVR movie tickets or ₹750 cashback.
For movie tickets, you’ll get a Star Pass Code to book any show on www.pvrcinemas.com, valid for any day and also transferable.
If you prefer cashback, it will be added to your next billing cycle.
Movie & Dining
Enjoy free movie tickets for any show, on any day, at your nearest PVR cinema.
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.5% per month (42% per year)
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
Rs 199
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You can save the fuel surcharge on transactions between ₹500 and ₹3,000. The maximum you can save through this benefit in a year is ₹3,500.
Card Details
  • Withdraw cash anytime from Kotak or other VISA ATMs, transfer funds at the branch or online, or request a demand draft by call or online.
  • Enjoy interest-free cash withdrawals for up to 48 days, with a cash limit of up to 50% of your credit limit.
  • A cash advance fee of ₹199 per ₹10,000 or part thereof applies.
  • Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, up to ₹3,500 per calendar year.
  • Transfer your balance from another credit card to your Kotak card with just one call. Processing fee is ₹349 per ₹10,000, and you still enjoy the interest-free period on new retail purchases.
  • Spend ₹1,50,000 in a year to get either 4 free PVR movie tickets or ₹750 cashback. Rewards can be claimed within 3 months after the program ends. Cashback is credited in your next billing cycle.
  • PVR tickets are transferrable, valid for any show/day, and not available in cities without PVR cinemas.
  • Get fraud protection insurance up to ₹50,000 for misuse up to 7 days before reporting a lost or stolen card.
  • Apply for an add-on card for your spouse, parents, or children (18+). Set spending limits and track usage separately.
  • Enjoy cashback offers based on your previous year’s spending, claimable within 3 months after the period ends.
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Frequently Asked Questions

Is the Kotak Mahindra Bank Fortune Gold credit card free for life?

Yes, the Kotak Mahindra Bank Fortune Gold credit card comes with no annual fees, making it a lifetime free card. You won’t have to pay any renewal charges every year.

What are the charges for withdrawing cash using this credit card?

When you withdraw cash from any ATM using this card, you will be charged a cash withdrawal fee of Rs. 199 for every Rs. 10,000 (or part thereof) that you withdraw.

What is the maximum amount of cash I can withdraw per day with this card?

You can withdraw up to Rs. 25,000 per day from ATMs using the Kotak Fortune Gold credit card. This limit helps you manage your cash needs while maintaining security.

Are there any fees for making cash payments using this credit card?

Yes, if you make cash payments using the Kotak Fortune Gold credit card, a fee of Rs. 100 will be charged.

What is the minimum income required to apply for this credit card?

To be eligible for the Kotak Mahindra Bank Fortune Gold credit card, you should have a minimum annual income of Rs. 3 lakhs.

Is there any fee for getting an add-on card?

Yes, there is a one-time fee of Rs. 299 for each add-on card issued. Add-on cards allow your family members or others to enjoy the benefits of this credit card.

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