Kotak Mahindra Bank · Entry
Kotak League Platinum
Where it ranks across all 187 cards
#117 Other
0.5%
direct
#118 Electronics
0.5%
direct
#124 Online shopping
0.5%
direct
#126 Fashion
0.5%
direct
#132 Dining out
0.5%
direct
#118 Jewellery & watches
0.3%
direct
#129 Mobile / broadband
0.3%
direct
#140 Train tickets
0.3%
direct
#147 Cabs & transit
0.3%
direct
#156 Flights
0.3%
direct
#156 Hotels
0.3%
direct
#157 Health & pharmacy
0.3%
direct
#160 Groceries
0.3%
direct
#162 Food delivery
0.3%
direct
#163 Movies & events
0.3%
direct
1 Jun 2025
League point cash value cut ₹0.10 to ₹0.07.
Get an email if this card changes - sign in.
Points valued at ₹0.1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.27%base rate
4 pts / ₹150
source
Source: Kotak League Platinum (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
8 pts / ₹150 on special categories & spends above ₹2L/yr
0.53%this rule
8 pts / ₹150
source
Source: Kotak League Platinum (bank site, verified Aug 2026) - kotak.bank.in - read 21 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
Utility bills
earns nothing
Utility MCCs excluded from rewards/milestones.
→ use HSBC Live+ here (10.0%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Utility bills · MCCs: 4900, 4814, 4899, 4812
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance MCCs excluded from rewards/milestones.
→ use Axis Burgundy Private here (6.4%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Insurance · MCCs: 5960, 6300, 6381, 6399
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded from rewards/milestones.
→ use SC Ultimate here (3.3%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Wallet load · MCCs: 6540
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent excluded from rewards/milestones.
→ use Axis Burgundy Private here (5.2%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Rent · MCCs: 6513
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government MCCs excluded from rewards/milestones.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Government / tax · MCCs: 9222, 9223, 9311, 9399, 9402, 9405
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Fuel
earns nothing
Fuel MCCs excluded from rewards/milestones.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Education
earns nothing
Education MCCs excluded from rewards/milestones.
→ use Axis Burgundy Private here (5.2%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming excluded from rewards/milestones.
→ use FIRST Private here (6.6%)
detail & source
Bank notes the list is not exhaustive - all network MCCs in the category count.
categories: Gaming · MCCs: 5816
Source: Kotak MCC annexure for fees/rewards exclusions (bank PDF, Jun 2025) - kotak.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI transactions excluded from rewards and milestone spends (MITC).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak MITC (KOTMITC/07/2026 v2, 31 Jul 2026) - kotak.com - read 22 Aug 2026