Kotak Mahindra Bank Pinnacle

Kotak Mahindra Bank

Kotak Mahindra Pinnacle is Kotak Bank's ultra-premium credit card targeting high-net-worth individuals and frequent travellers who demand unlimited lounge access, low forex rates, and the highest reward rates on travel spending. The card's combination of unlimited domestic airport lounge access, 6 international lounge visits, 3% rewards on travel, and a low 1.5% forex markup makes it one of the most comprehensive premium travel cards available in India. The unlimited complimentary domestic airport lounge access at 100+ airports in India through the Visa Lounge Access program is the card's standout feature. Unlike cards that cap lounge visits at 8-12 per year, the Pinnacle card provides truly unlimited access — making it ideal for the business traveller who flies multiple times per month. At ₹2,500 per lounge visit, even 24 visits per year would be worth ₹60,000 — 12x the annual fee. The 3X Reward Points on travel bookings (flights, hotels, holiday packages) delivers effectively 3% value back on travel spending. For someone spending ₹5 lakhs per year on travel, this generates ₹15,000 in reward points — triple the annual fee in travel value alone. The 1.5% forex markup on international transactions is among the lowest available in India — significantly better than the 2.5-3.5% charged by most premium cards. For frequent international travellers spending ₹5 lakhs per year abroad, this saves ₹10,000-₹20,000 compared to other premium cards. The card requires a minimum annual income of ₹12 lakhs for salaried individuals and is available to Indian residents aged 21-65 years. Source: Kotak Mahindra Bank official website, updated May 2026.