I’m a salaried person earning around ₹60K per month. What is the minimum income required to apply for a Kotak credit card?
If your salary is ₹25K–₹50K per month (Entry-Level Cards)
- If you’re new to credit cards, start with something easy to get approved for.
- The Kotak Urbane Gold or Kotak League Platinum is good for earning basic rewards on shopping and fuel.
- Don’t expect super high credit limits initially—Kotak will probably start you with ₹50K–₹2L, and you can increase it over time with good usage.
I applied for my first Kotak credit card when I was earning ₹45K/month, and I was given a ₹1.5L limit. Not great, but good enough to start building a credit history. If you’re in this salary range, get a card that helps you build a strong CIBIL score—that’s more important than the rewards at this stage.
If your salary is ₹50K–₹1L per month (Mid-Tier Cards)
- Now you can start looking at cards that give better cashback, travel perks, and higher limits.
- The Kotak Royale Signature or Kotak Privy League Platinum would be a good upgrade from an entry-level card.
- Expect a starting limit of ₹3L–₹7L, depending on your credit score and spending history.
- If you travel often, Kotak Mojo Platinum gives solid rewards on international spending.
This is when I started seeing real value in using a credit card for daily expenses. I picked a mid-tier card when my salary was ₹55K, and my rewards really started adding up. If you can manage your spends wisely, you can turn your everyday expenses into free rewards and cashback.
If your salary is ₹1L+ per month (Premium Cards)
- You’re now eligible for top-tier Kotak cards that come with luxury perks like lounge access, high reward points, and travel benefits.
- The Kotak White, Kotak White Reserve, or Kotak Zen Signature are premium options.
- Expect credit limits of ₹7L–₹15L+ if you have a good credit history.
- If you travel frequently, Kotak Indigo Ka-Ching 6E Rewards XL is a solid choice with free flight tickets and priority boarding benefits.
Once my income hit ₹1L/month, I upgraded to a premium Kotak card, and it completely changed the way I used credit cards. With higher limits, I was able to book flights, pay for hotels, and still earn a ton of rewards. If you’re in this salary bracket, get a card that maximizes your lifestyle benefits—you’re leaving money on the table otherwise.
If Your Income is Lower but You Still Want a Credit Card
If you don’t meet the income requirement for a credit card, don’t worry—there are still ways to get approved:
Check for Pre-Approved Offers – Kotak sometimes relaxes requirements if you’re an existing customer. You can check on their website or NetBanking.
Get a FD-Backed Credit Card – If you have a Fixed Deposit with Kotak (₹20K+), you can get a credit card against it, even if you don’t meet the salary criteria.
Have Your Salary Credited in a Kotak Account – If you don’t meet the official income requirement, but your salary gets credited to a Kotak Bank account, the bank may approve you for a higher-tier card.
Final Recommendation – Which One Should You Choose?
If you just need a credit card to start building credit, get a basic Kotak Urbane Gold (₹25K/month income).
If you spend a lot on shopping, travel, and dining, go for a Kotak Royale Signature (₹50K/month income).
If you want premium perks and high limits, choose Kotak White or Kotak Zen Signature (₹1L+ income).
If your income is lower but you still need a card, apply for a Fixed Deposit-backed Kotak credit card.
Final Tip
If you’re unsure which card to get, I’d recommend checking with Kotak’s customer care (1860 266 2666) or visiting a branch. If you have a Kotak relationship manager (RM), they can sometimes push your application through even if you don’t meet the exact salary requirement.