Discontinued for new sourcing
Kotak Essentia Platinum Credit Card Review
The Kotak Essentia Platinum was built around everyday essentials — accelerated Saving Points at grocery and departmental stores, plus a half-yearly movie-ticket milestone. Kotak has since stopped issuing it to new applicants; this review documents it for existing holders and comparison shoppers.
- 10 Saving Points per ₹100 on grocery & departmental spends
- Half-yearly milestone: 6 PVR tickets or 1,200 points
- Wide redemption (recharge, shopping, vouchers, movies, travel)
- Useful for everyday essentials spenders
- Discontinued for new sourcing
- Grocery points capped at 500 SP/month
- Low 1 SP/₹250 base rate elsewhere
- Transaction-size band (₹1,500–₹4,000) for accelerated earn
- No lounge access
Rewards (for existing holders)
| Item | Detail |
|---|---|
| Grocery & departmental | 10 Saving Points per ₹100 (max 500 SP/month; txn ₹1,500–₹4,000) |
| Other categories | 1 Saving Point per ₹250 |
| Milestone | ₹1,25,000 every 6 months → 6 PVR tickets or 1,200 points |
| Fee | ₹1,499 (year 1), ₹749 (year 2 onwards) |
| Redemption | Recharge, 10,000+ products, e-vouchers, movies, travel |
If you’re shopping for an alternative
SBI SimplySAVE
10X points on everyday offline categories — a strong essentials earner
HDFC Millennia
5% cashback on top merchants + lounge access
Kotak Urbane Gold
Another Kotak rewards card with a PVR milestone
Browse all reviews
Compare current grocery and everyday cards
Bottom line
The Kotak Essentia Platinum was a sensible card for grocery and departmental-store spenders, with a handy half-yearly PVR milestone. Since it’s discontinued for new sourcing, existing holders can keep using it, but new applicants should pick a current essentials card such as SBI SimplySAVE or HDFC Millennia.
Frequently asked questions
Can I still apply for this card?
No — Kotak has discontinued the Essentia Platinum for new sourcing. It’s shown only for existing cardholders.
What did it earn?
10 Saving Points per ₹100 at grocery and departmental stores (capped 500 SP/month) and 1 SP per ₹250 on other spends.
What was the milestone benefit?
Spending ₹1,25,000 every six months earned 6 free PVR tickets or 1,200 reward points.
What should I get instead?
Consider current essentials cards like SBI SimplySAVE or HDFC Millennia.
Updated June 2026, cross-checked against Kotak’s official page and aggregators. Discontinued for new sourcing — existing cardholders should confirm their current terms on kotak.bank.in.