Kotak Essentia Platinum Credit Card
Kotak Essentia Platinum Credit Card from Kotak Mahindra Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 749 | Reward type: Reward Points | Best for: Shopping, Grocery, Partner Brands
Estimated value per Rs 100 of eligible spend.
Kotak Essentia Platinum Credit Card Overview
Kotak Essentia Platinum Credit Card is a Kotak Mahindra Bank credit card. Base reward value is about Rs 0.4 per Rs 100 of eligible spend. Zlash checks boosted categories like grocery, partner brands along with caps and exclusions.
Best For
Kotak Essentia Platinum Credit Card is most useful when your spends regularly fall into grocery, partner brands.
Rewards
grocery
25x the base reward rate.
Monthly cap: Rs 500
partner brands
25x the base reward rate.
Monthly cap: Rs 500
Not Good For
- International transactions if you need low forex markup; this card lists 3.5% markup.
- Users who cannot recover the annual fee through rewards or card benefits.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
3.5% foreign currency markup.
Milestone Benefits
- Spend Rs 1,25,000 in a monthly period for benefit value around Rs 1,200.
Zlash Verdict
Choose this card when shopping, grocery, partner brands match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Kotak Essentia Platinum Credit Card?
The listed annual fee is Rs 749.
What is Kotak Essentia Platinum Credit Card best used for?
Kotak Essentia Platinum Credit Card is most useful when your spends regularly fall into grocery, partner brands.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.