Kotak Fortune Gold Credit Card
Kotak Mahindra Bank
The Kotak Fortune Gold Credit Card is a mid-tier offering from Kotak Mahindra Bank that balances rewards on everyday categories with lounge access and entertainment benefits. At an annual fee of ₹1,000 (waived on ₹1.5 lakhs annual spend), the card delivers 2% reward points on groceries and supermarkets — one of the better grocery reward rates in the mid-tier segment. The 1.5% on dining at partner restaurants covers frequent diners, while 4 domestic airport lounge visits per year provide some travel perks. The Buy 1 Get 1 free movie offer on BookMyShow (up to ₹350) is a popular entertainment benefit that resonates with frequent movie-goers. Fuel surcharge waiver across all fuel stations adds meaningful savings for vehicle owners. Credit shield up to ₹2 lakhs provides basic protection. The card strikes a reasonable balance between cost and benefits for the moderate spender who eats out occasionally and wants lounge access without the premium price tag. Source: Kotak Mahindra Bank official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Good grocery rewards
- Lounge access
- Movie offer
- Moderate annual fee
- Limited lounge visits
- No international lounge
- Joining fee not always reversed
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.