M16S / Kotak Mahindra Bank / Kotak BizEdge Credit Card
entry · business, rewards
Kotak BizEdge Credit Card
The Kotak BizEdge Credit Card costs Rs 999 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 0.33% (Up to 2 points per Rs 150). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 999+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- 0.33%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on kotak.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 999 |
|---|---|
| Annual fee | Rs 999 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Rs 999 joining and annual; annual waived on Rs 2 lakh spend in 12 months (KFS). |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earn | Up to 2 points per Rs 150 |
| Base return | 0.33% |
| Point value | 1 point = Rs 0.25 on Kotak Unbox only |
| Accelerated earn | 5X on business essentials (utility, tax, GST, insurance, government, fuel, office supplies, telecom, electronics), 5X on SaaS via Nuclei (Visa variant only), 5X on flights and hotels via Kotak Unbox |
| Caps | Business essentials: 2,500 points per statement cycle. Flights, hotels and SaaS: 1,00,000 points. |
| Spends that earn nothing | EMI, rent, wallets, education and other select categories |
| Points expiry | 36 months |
| Reward notes | Min 500 points to redeem; points cover up to 80% of cart value. base_return_pct = 2 points per Rs 150 x Rs 0.25 = 0.33%. |
Travel and perks
| Domestic lounge | None stated |
|---|---|
| International lounge | None stated |
| Forex markup | 3.5% |
| Fuel surcharge waiver | Not applicable |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | <100 nil; 100-500 Rs 100; 501-5,000 Rs 500; 5,001-10,000 Rs 600; 10,001-25,000 Rs 800; 25,001-50,000 Rs 1,000; >50,000 Rs 1,200 |
| Cash advance fee | Cash withdrawal not available |
| Eligibility | Business card; criteria not stated |
| Fine-print notes | Up to 55 days interest-free. SaaS 5X not available on the RuPay variant. |
Questions
- What is the annual fee of the Kotak BizEdge Credit Card?
- Rs 999 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- Does the Kotak BizEdge Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Kotak BizEdge Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Kotak BizEdge Credit Card?
- EMI, rent, wallets, education and other select categories