Wealth Management Infinite Credit Card Fees and Charges, Avail Credit Card with Amazing Offers Online

Fees & Charges

Fee & other Parameters	Kotak Infinite Credit Card
Joinig Fees	Nil
Annual Fees	Nil
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Addon card Fees	Nil
Interest Charges on outstanding Balances	3.50% (Annualized 42.0%)
Interest Charges on outstanding Balances	3.50% (Annualized 42.0%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	Effective 1st June 2025, Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower. It will reflect in your monthly statement in the summary section
Cash Advance fee	2.5% on advance amount or ₹ 500 whichever is higher
Late Payment Charges ("LPC")	Outstanding Balance	LPC Charges
	<₹100	0.0
	₹100-₹500	₹100
	₹501-₹1000	₹500
	₹1001-₹5,000	₹500
	₹5,001-₹10,000	₹600
	₹10,001-₹25,000	₹800
	₹25,001-₹50,000	₹1000
	>₹50,000	₹1200
Over Limit Charge	Waived
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	2%*
Railway Booking Surcharge (on transaction amount)^	Waived
Fuel Surcharge**	Waived
Fee for Cash payment at Bank	Waived
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Waived
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived
Please Note:
All the taxes would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
^Maximum Railway surcharge waiver of Rs. 500 in a calendar year
**Enjoy a 1% fuel surcharge waiver on transactions between INR 400 and INR 7,500 with a maximum of up to INR 4,500 per calendar year.
*With effective 16th October 2019, foreign markup fee would be reduced to 2%

Disclaimer:

Verbiage for Joining Fee (if applicable) will be displayed as Annual Fee on your monthly credit card statement. Thereafter you will be levied Annual Fee (if applicable) as per the most important terms and conditions of your credit card.

Please note w.e.f 1st June, 2025 there are some changes to our product offerings, click here to know more

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