Card Details

9095 7943 2340 5979

Biz Credit Card

KOTAKVISA

Card Issuer

Kotak Mahindra Bank

Joining Fee

₹299

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Offers from Kotak Mahindra Bank

See all

Earn Points

4 Rp/₹100

On travel/tour operators, domestic airlines, and lodging

4 Rp/₹100

On supermarket spends

1 Rp/₹100

On all other eligible spends

4 Points

Per rs.100 at hotels, motels and resorts

Benefits

Welcome Benefits

4 reward points per Rs. 100 in select…

  • Designed for self-employed people, proprietors and partnership-firm partners
  • 4 Reward Points per Rs. 100 on advertising and direct-marketing services
  • 4 reward points per Rs. 100 on travel, advertising, supermarket, and lodging categories
Fuel

1% fuel surcharge waiver

  • 1% fuel surcharge waiver on eligible fuel transactions
  • 1% fuel surcharge waiver on transactions between Rs.500 and Rs.5,000

Things to Keep in Mind

Accelerated rewards are based on Visa merchant category code classification.

No reward points on wallet loading, fuel, rent, and online gaming.

Cash redemption value changes to Rs. 0.20 per reward point from 01 June 2025.

Minimum 2,000 reward points required for cash redemption.

Lounge access is conditional on previous quarter spend of Rs. 75,000.

Card insights

Alternatives

If you spend…

Recommendation

Higher business rewards

Kotak Biz Edge

Low-fee business card

AU ABC Biz

Federal Bank business

Fed StarBiz Visa

Frequently Asked Questions

₹299 + GST to join and ₹499 + GST every year after. Check the MITC for any spend-based renewal waiver, because we could not confirm one on Kotak's page.

Kotak Biz at a glance

  • A low-cost Visa card from Kotak for self-employed people, proprietors and partners in partnership firms: ₹299 + GST to join, ₹499 + GST a year.
  • It earns 4 Reward Points per ₹100 on travel, airlines, hotels, supermarkets and advertising, and 1 point per ₹100 on the rest.
  • At ₹0.20 a point for cash, the best rate is 0.8%. It is a modest card, and it does not pretend otherwise.

This page is about Kotak's Biz Credit Card. It is not HDFC's BizBlack, BizPower or Biz First, which is what most "Biz card" threads on Reddit discuss, and it is not Kotak's own Biz Edge.

Where your business spend earns 4X

Accelerated points follow Visa's merchant category codes, so the label on your invoice does not matter; the code your supplier uses does. A month for a small trader might look like this:

  • ₹30,000 on supplier stock at a supermarket, a hotel stay and Google or Meta ads: 1,200 points, about ₹240.
  • ₹20,000 on everything else: 200 points, about ₹40.

That is about ₹3,360 a year, well above the ₹589 annual fee with GST. Wallet loads, fuel, rent and online gaming earn nothing. Check your vendors' codes on the Monzy MCC finder before you move a big payment.

The 2,000-point floor and the 2025 value change

From 1 June 2025, cash redemption pays ₹0.20 a point, and you need at least 2,000 points to cash out. That is ₹400, which takes ₹50,000 of 4X spend or ₹2 lakh of base spend to reach.

One lounge visit, if you spend ₹75,000

Lounge access is limited: 1 domestic visit per calendar quarter, and only if you spent ₹75,000 on the card in the previous quarter. There is also a 1% fuel surcharge waiver on fills of ₹500 to ₹5,000, but fuel itself earns no points.

Is Kotak Biz worth it for you?

Apply if you run a small business, want a cheap second card for ads, travel and stock purchases, and are happy with under 1% back. Look elsewhere if your business spends heavily on SaaS or wants a higher rate: Biz Edge costs more but earns more on those. We found no Reddit discussion of this exact card, so there is no real user feedback to report yet.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva