Kotak Biz Credit Card Review 2026: Fees, Rewards & Benefits

Explore Kotak Biz Credit Card features: 4x rewards on business spends, lounge access, and low fees. Check eligibility and apply for your business needs.

Vyaya Team · Mar 2026

5 min read

Apply Now →

Value Score

7.2 / 10

Annual Fee

₹499

Best For

Small Business Owner, Frequent Business Traveler

Network

Visa

Expert Verdict

REWARD SUMMARY

0.25% Base Rewards
Rewarding Business Expenses

← Tap to flip back

The Bottom Line

The Kotak Biz Credit Card is a solid entry-level business card for proprietors looking to earn rewards on essential business categories like marketing and travel. While the fees are low, the high interest rate and spend-linked lounge access are notable trade-offs. With a ₹499 annual fee, it offers 0% rewards on travel and tour operators and airport lounge access. For anyone researching kotak biz credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with Small Business Owner, Frequent Business Traveler.

What we like

+Accelerated 4 RP per ₹100 on business categories like Travel, Advertising, and Supermarkets.

+Low joining fee of ₹299 makes it accessible for small business owners.

+Complimentary domestic lounge access (1 per quarter) on meeting spend criteria.

+Comprehensive fuel and railway surcharge waivers for business travel.

What we don't

–High interest rate of 42% per annum on outstanding balances.

–Lounge access is contingent on spending ₹75,000 in the previous quarter.

–Reward point value for cash redemption is scheduled to decrease to ₹0.20 in June 2025.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Small Business Owner

Ideal for managing operational costs with rewards on advertising and travel.

Best value above ₹25,000/month

Frequent Business Traveler

Benefits from 4x rewards on airlines and hotels plus lounge access.

Best value above ₹30,000/month

Probably not for

Skip

–

Low Spender

The lounge access benefit requires a high quarterly spend of ₹75,000.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Reward Rates

Kotak Biz Credit Card offers 0.25% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Where

Amount

₹

Travel and Tour Operators

Domestic Airlines

Direct Marketing/Advertising

Supermarket

Lodging (Hotels/Resorts)

Fees & Charges

Joining fee₹299

Annual fee₹499

Fee waiverN/A

Eligibility

Available for self-employed individuals, proprietors, and partners of partnership firms aged 21-65 years.

Exclusions & Terms

Wallet loading

Fuel

Rent

Online-based gaming

Frequently Asked Questions

2 data-backed answers from our card database

What is the reward rate for the Kotak Biz Credit Card?+

You earn 4 reward points for every ₹100 spent on Travel, Airlines, Advertising, Supermarkets, and Lodging. All other spends earn 1 reward point per ₹100.

Is there a lounge access benefit on this card?+

Yes, you get 1 complimentary domestic lounge access per calendar quarter, provided you spend at least ₹75,000 in the previous calendar quarter.

Ready to apply?

₹499 fee. Excellent rewards. Apply now securely.

Apply on Kotak Mahindra Bank →

Explore More on Vyaya