Privy League Credit Card

Complimentary card or Paid card? Shopper's Plan or Traveler's Plan?
You decide. You enjoy. Your card. Your way.

CHOOSE YOUR REWARD PLAN!
Whether you use your card more frequently when you travel or whether you swipe your card more while shopping, there is now a smarter way to maximize the reward points you earn.

Choose the Traveler's Plan to enjoy the following benefits:

  1. Earn 10X Reward Points per Rs. 100 spent on select categories like international spends, airlines, hotels, travel agencies and restaurants
  2. Earn 5X Reward Points per Rs. 100 spent on all other retail spends

Choose the Shopper's Plan to enjoy the following benefits:

  1. Earn10X Reward Points per Rs. 100 spent on select categories like jewellery, apparels, consumer durables, departmental stores and restaurants
  2. Earn 5X Reward Points per Rs. 100 spent on all other retail spends

You can choose your reward plan when you sign up for your card, so you enjoy benefits that are most relevant to your lifestyle.

Identification of select categories is based on Merchant Category Codes allotted by Visa to the merchant where the purchase is made.

 

REWARD POINT REDEMPTION

  1. Accumulate your reward points and redeem with host of redemption options like Air tickets, Mobile Recharge, 10,000 merchandise and much more through easyrewards with easy points.
  2. To Redeem your Reward Points for options on easyrewardz or other attractive redemption options Click Here
  3. You can also call up the Customer Contact Centre - 1800 102 6022 (Toll Free) to activate auto redemption.

If you choose - auto redemption, for every 1000 reward points you earn, you will get Rs. 75 which will automatically get encashed in your statements every 3 months.

TAJ EPICURE PLUS MEMBERSHIP

With this membership, you can save a minimum of 25%* on your spends across all Taj Restaurants and Bars. Your savings will be earned as Reward Points on your Taj Epicure card.

Other amazing benefits that you can enjoy include:
  1. 2 Certificates of 50% discounts on room rates, during weekends at select Taj properties
  2. A 50% discount Certificate on a buffet lunch at Taj Coffee Shops between Monday and Saturday
  3. A special voucher for a complimentary round of drinks at participating bars and restaurants, valid throughout the week
  4. 2.5 Epicure points for every Rs. 100 you spend (net of taxes), wherein each point is worth Rs. 10. You can redeem your points for memorable meals and exotic holidays at the Taj or simply use them to settle your hotel stay and dining bills.

*This facility is complimentary only for the first year and is available only with the paid variant. Please check Fee Details for more information.

WE'LL TAKE YOU TO THE MOVIES!

Enjoy your movies in style at PVR Cinemas

As a valued holder of Privy League Signature Credit Card, you get four complimentary PVR tickets every Quarter. Voucher codes will be sent to you via email and SMS every Quarter which can be redeemed at www.pvrcinemas.com.

^This feature is available only with the paid variant. Please check Fee Details for more information

PRIORITY PASS MEMBERSHIP

The next time you are taking a flight, you can relax in the airport lounges, revive and rejuvenate even as you await your boarding call!

With a complimentary Priority Pass Membership, you get VIP access* to over 600 airport lounges spread across 100 countries. As part of the world's largest airport lounge community, you enjoy privileged treatment at airports, irrespective of the class or airline you are flying. Enjoy complimentary refreshments, free internet access and a relaxed ambience, so your waits at airports are made more comfortable.

Privy League Signature Credit Card Variants Benefit Savings
Paid Variant Priority Pass Membership with 4 complimentary accesses* in a year Priority Pass Membership worth USD 99 (approx. Rs. 5,500 + 4 visits @USD 27 each (approx. Rs. 6,000)= Savings of approx. Rs. 11,500
Complimentary Variant Priority Pass Membership** Priority Pass Membership worth USD 99 (approx. Rs. 5,500)

*Accompanying guests are welcome for a nominal fee of USD 27 per person per visit, for details visit www.prioritypass.com

*Lounge usage by the cardholder in excess of 4 visits will be debited to your Kotak Credit Card at the visit fee for US $27 per visit.

**Lounge usage by the cardholder will be debited to your Kotak Credit Card at the visit fee of US$27 per visit. The membership is only applicable for first year with complimentary cards.

WE'LL MAKE YOUR BIRTHDAY SPECIAL!

We know that on that one day every year, it feels great to indulge and be pampered. We'll add to your birthday celebrations by hand delivering a special surprise, along with our heartfelt wishes. Isn't that a happy happy day right there?

CONCIERGE SERVICES

You get a host of convenient concierge services from Kotak Mahindra Bank. These services include:
  1. Arranging reservations for hotel and dining
  2. Flight ticketing assistance
  3. Booking tickets for special events and performances
  4. Spa & Fitness Centre information
  5. Referral assistance

You can now plan your trip, deliver flowers and gifts for special occasions and much more, with just a call. Since these services are global, you can use them to your advantage even when you are travelling!

THE CARD THAT GIVES!

Enjoy the best that life has to offer, with the Privy League Visa Signature Credit Card - the ultimate key to an upgraded lifestyle. Some of the key benefits of this card include:
  1. Fuel Surcharge Waiver:
    Save 2.5% fuel surcharge across all petrol pumps in India.

    Kindly note that fuel surcharge will be waived for transactions between the values of Rs. 400 and Rs. 4000 only
    The maximum fuel surcharge waiver cap is Rs. 4,500 per calendar year.

  2. Railway Surcharge Waiver:
    Get 1.8%/2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in / through an Indian Railways booking counter

    Maximum waiver per calendar year is Rs. 500

YOU DESERVE A LITTLE EXTRA!

ATTRACTIVE EMI OPTIONS

  1. Make your purchase and just call us within 15 days to convert your purchase into easy EMI's.
  2. Convert any purchase be it mobile, air tickets, consumer durable or any shopping to EMI's.
  3. All transactions equal to or above Rs.3000 and within 75% of credit limit can be converted into easy EMI’s.
  4. To apply or know more about our EMI schemes, please call our Customer Contact Center
  5. Current EMI plan offer:
    Tenure Interest Rate (Flat Rate-PM) Processing Fees Foreclosure charges
    3 Months 0.78% pm Rs.10/- per Thousand 0%
    6 Months 0.68% pm Rs.25/- per Thousand 0%
    9 Months 0.65% pm Rs.35/- per Thousand 0%
    12 Months 0.93% pm NA 2%
    24 Months 0.93% pm NA 2%
    36 Months 0.94% pm NA 2%
    48 Months 0.96% pm NA 2%

    Note: Gold transactions will not be converted into EMI.


    Service tax & education cess would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card.


To avail of this facility, simply SMS <EMI> To 5676788 OR call our Customer Contact Centre on 1800 102 6022 (Toll free)

BALANCE TRANSFER
Unlike other Cards, Kotak Cards does not charge any interest on fresh purchases post balance transfers if the purchases are fully paid for in time.

  1. Processing fee of Rs.349 per Rs.10000

    Service tax & education cess would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card.

  2. Balance transfer can be taken for a minimum of Rs 2500/- and maximum up to 75% of credit limit.
  3. Balance transfer facility is not available on cards less than 6 months old
To avail, simply SMS <BT> To 5676788 OR call our Customer Contact Centre 1800 102 6022 (Toll Free)

LOW INTEREST RATE
You will enjoy the low monthly interest rate of 2.49%, unlike other credit cards who charge 3.1% - 3.5%.

YOU DON'T CALL US, WE CALL YOU!

We know that time is of the essence for someone like you. If you have any card related queries, simply SMS 'KASSIST' to 5676788 and we'll call you back within 30 minutes* to resolve the same.

* The call will be made within 30 minutes if your SMS is received between 10 a.m. and 6 p.m. from Monday to Saturday.

WE'LL EVEN PICK UP CHEQUES FROM YOUR DOORSTEP!

Now, paying your monthly bills gets easier!Call our Customer Contact Centre (at 1800 102 6022 or SMS KASSIST to 5676788) for complimentary cheque pickups. Easy, isn't it?

YOU ARE COVERED!

To ensure complete peace of mind, your card comes pre-loaded with many unique types of protection like:

Get protection with the Wallet Assist Power Plan exclusively for the Privy League Visa Signature Card Holders.

  1. Convenience of blocking all cards and protection against fraud by simply calling a 24 hour number with worldwide coverage.
  2. Emergency Assistance during travel including ticketing, hotel bill settlement across the globe, anywhere any time for up to Rs. 40,000 (in India) & Rs. 80,000 (abroad)
  3. Emergency Travel Assistance in the form of emergency cash for upto Rs. 25,000 (in India)
  4. Lost Card Fraud Protection cover up to Rs. 1,00,000, 7 days of pre-reporting and complete cover protection post reporting.
  5. Free Online locker for safe, secure storage and anytime access of important documents

Extra added protection with your Privy League Visa Signature Card

  1. Protection from unauthorized transactions up to Rs. 2,50,000 per annum in case of card loss or theft.
  2. Fraudulent transactions will also be covered as far as 7 days prior to your reporting the loss to us.

So be rest assured with the Privy League Visa Signature Credit Card.

What to do in case your card is lost or stolen?

  1. In case your card is lost or stolen immediately call Customer Contact Center (1800 102 6022) and get your card deactivated / blocked / cancelled to prevent misuse.
  2. You are required to register a claim with HDFC ERGO General Insurance Company at 1800 2700 700 or send an email at bankclaims@hdfcergo.com for registering the claim
  3. Send a copy of the Customer Dispute Form (to download the Dispute Form click here) to the Bank. You can either fax us at 022-66466901 or mail a scanned copy at service.cards@kotak.com

How to register the claim?

Please submit the following mandatory documents to HDFC ERGO within 7 days from day of event / loss to register your claim -

  1. Filled in Claim form (to download the Insurance claim form click here)
  2. Filled in Dispute Form (to download the Dispute form click here)
  3. FIR copy

Please note both the Primary and Add on Card are covered under the insurance cover.

*Conditions Apply. To keep this cover active, please ensure your card is in good standing (your "Minimum Amount Due" is at least paid by the " Payment Due Date" ). For Terms & Conditionsclick here

 

Extra protection with Wallet Assist Power Plan*

Get added protection with the Wallet Assist Power Plan exclusively for the Privy League Visa Signature Card Holders.
  1. Convenience of blocking all cards and protection against fraud by simply calling a 24 hour number with worldwide coverage.
  2. Emergency Assistance during travel including ticketing, hotel bill settlement across the globe, anywhere any time for up to Rs 40,000 (in India) & Rs. 80,000 (abroad)
  3. Emergency Travel Assistance in the form of emergency cash for upto Rs. 25,000 (in India)
  4. Lost Card Fraud Protection cover up to 1,00,000, 7 days of pre-reporting and complete cover protection post reporting.
  5. Free Online locker for safe, secure storage and anytime access of important documents

*This facility is available only with the paid variant. Please check Fee Details for more information

 

ALSO KEEP ENJOYING OTHER PRIVY LEAGUE BENEFITS!

Continue to enjoy higher living with Privy League, your very own premium banking program. Here is a brief reminder of the benefits you are currently enjoying as an esteemed Privy League member:
  1. Customized financial planning and portfolio review
  2. Complimentary Platinum Debit Card with Visa Concierge Services
  3. Lifestyle benefits on spa services, dining, travel, movies, events& more
  4. Free membership to Privy League Select Magazine and well-researched investment reports
  5. Preferential pricing across a wide range of products and services
  6. Higher limits and lesser documentation for loan products

Ensure that you make the most of these benefits. To know more about your Privy League membership, feel free to drop us a line at privyleague@kotak.com

The Privy League Signature Credit Card is available in two variants*:
  1. The paid card which is available with two variants -
    a) Joining fee of Rs. 7500 & annaul fee of Rs. 5000
    b) Joining fee of Rs. 5000 & annaul fee of Rs. 5000
    Annual fee of Rs. 5000 will be waived off on annual spends of Rs. 7,50,000 from 2nd year
  2. The complimentary card

* The benefits on the variants vary. Please refer Features and Benefits for more information.

To know more or to sign up for the Privy League Visa Signature Credit Card, contact your Relationship Manager or SMS PRIVY SIGNATURE to 5676788/9971056767

Particulars Value (In INR)
Monthly Spends 62,500
Value Builders
Reward Points 4,875
Taj Epicure Plus Membership 5,000
Priority Pass Accesses 11,500
Movie Tickets 4,000
2.5% Fuel Surcharge Waiver (fuel spends of Rs.8000/month) 2,400
Value Gained Every Year 27,775

FAQ Privy League Signature Credit Card

1.  What type of card is Privy League Signature Credit Card?
2.  Is this card valid internationally?
3.  Do I enjoy any interest free period on retail?
4.  Do I enjoy any interest free period on cash?
5.  What is the interest Rate that is applicable to me?
6.  When do you charge me an International mark up fee?
7.  When do you charge me an over limit charge?
8.  When do you charge me a late payment fee?

Priority Attend

9.  What is 'Priority Attend'?
10.  Incase of emergency where can I call?

Insurance Cover

11.  What is the insurance cover on the Kotak Credit Card?
12.  What does the Insurance cover include?
13.  What does the insurance cover exclude?
14.  What is the total sum insured?
15.  What do I have to do, in case my credit card is lost or stolen?
16.  How do I register the claim with HDFC ERGO General Insurance Company?
17.  What happens if the Insurance Company approves my claim?
18.  What happens if the Insurance Company rejects my claim or I fail to register a claim with the Insurance Company?

Priority Pass

Get 4 complimentary visits to VIP Airport Lounges with Priority Pass, subsequent visits by Cardholder in excess of 4 visits & any guest visits will be levied a visit fee of USD 27 per person per visit.
Accompanying guests will be charged as per the applicable visit charges of the lounge.
For details log on to www.prioritypass.com
While signing the visit voucher, kindly check whether the number of guests entered is accurate. In case of no guests, strike off or mention NA.
Kindly retain a copy of the visit voucher with you.

19.  Which are the airport lounges which accept priority pass?
20.  What can I expect from a lounge?
21.  I normally travel business class anyway so why would Priority Pass be of use to me?
22.  My membership of Frequent Flyer programs gets me into lounges so why do I need Priority Pass?
23.  What if I am traveling with a colleague who isn't a member of Priority Pass?
24.  Can I use lounges even when I'm not traveling on business?
25.  Can I use the lounges irrespective of the airline I am flying with?

Joining Gift

26.  When will I get the joining gifts offered on the Privy League Signature credit Cards?

Taj Epicure membership

27.  What is The Taj Epicure Membership?
28.  What is the eligibility for the membership?
29.  What are the benefits I enjoy with the Taj Epicure membership?
30.  What is The Taj InnerCircle Programme?
31.  Where can I know more about Taj Epicure Program?
32.  How would I know about my point status?
33.  What if I am already a Taj Epicure Member?

Fuel Surcharge Waiver

34.  What is the minimum/ maximum transaction amount for a single swipe?
35.  What is the maximum fuel surcharge waiver that I can get on a single transaction?
36.  Is there any monthly or annual cap on how much surcharge can I earn?

Railway Surcharge Waiver

37.  When is the waiver applicable?
38.  What is the maximum surcharge waiver that I can get?
39.  Is the waiver applicable at the ticket booking counters as well?
40.  Is there a special service offered while canceling the tickets?
 

Please click here to view the Most Important Terms and Conditions


The Privy league Signature Credit Card is available for Resident Indians only.