Kotak Veer Credit Card Review (Armed Forces)
The Kotak Veer cards — Veer Platinum and the premium Veer Select — are RuPay cards built exclusively for Indian Armed Forces personnel, in partnership with NPCI. They combine no-fee ownership with everyday rewards, lounge access (on Select) and surcharge waivers tailored to service members. Here is the verified review.
- Zero joining fee on both Veer cards
- 6 points per ₹200 on dining, movies, grocery, dept stores
- Up to 8 domestic lounge visits/year (Veer Select)
- Fuel & railway surcharge waivers
- Complimentary IHO health membership (Select)
- Free add-on cards for family
- Eligibility limited to Armed Forces personnel
- Veer Select discontinued for new sourcing (late 2025)
- Point value modest (₹0.20/point)
- 2 points/₹200 on non-bonus spends is low
- RuPay acceptance abroad is limited
The two Veer cards
| Feature | Veer Platinum | Veer Select |
|---|---|---|
| Joining/annual fee | Nil | Nil |
| Bonus rewards | 6 pts/₹200 on dining, movies, grocery, dept stores | 6 pts/₹200 on the same categories |
| Other spends | 2 pts/₹200 | 2 pts/₹200 |
| Lounge access | Limited / none | Up to 8 domestic visits/year |
| Health membership | — | Complimentary IHO membership |
| Surcharge waivers | Fuel & railway | Fuel & railway |
| New sourcing | Check current status | Discontinued (late 2025) |
Eligibility & documents
Eligibility
Indian Armed Forces personnel
Fee
Zero joining fee
Point value
1 point = ₹0.20
Network
RuPay (UPI-linkable)
Security
EMV chip & PIN
Documents
Service ID, PAN, Aadhaar, address proof
Rewards & service-member value
The 6 points per ₹200 on dining, movies, grocery and departmental stores cover the everyday spends most households make, while fuel and railway surcharge waivers are genuinely useful for personnel who travel. On Veer Select, up to 8 domestic lounge visits a year and a complimentary IHO health membership add real value — at no annual cost. Because the cards are free, the value equation is simply positive for eligible personnel; just confirm which Veer card is currently being issued.
Who this card is for
- Best fit: serving and eligible Armed Forces personnel who want a no-fee everyday rewards card with lounge access.
- Skip if: you’re not eligible, or you need wide international acceptance.
How to apply & how to cancel
Apply: via kotak.bank.in or a Kotak branch with service ID proof. Cancel: call Kotak customer care after clearing dues; redeem points first.
Final verdict
The Kotak Veer cards are a strong, no-cost proposition for Armed Forces personnel — everyday rewards, surcharge waivers and, on Veer Select, lounge access and a health membership, all for zero fee. The one caveat is that Veer Select is discontinued for new sourcing, so new applicants should confirm the current Veer/defence card on offer before applying.
Frequently asked questions
Who can get the Kotak Veer card?
It’s exclusively for Indian Armed Forces personnel, issued on the RuPay network.
Is there a fee?
No — both Veer Platinum and Veer Select carry zero joining fee.
Does it offer lounge access?
Veer Select offers up to 8 complimentary domestic lounge visits per year; Veer Platinum is more basic.
Is Veer Select still available?
Kotak lists Veer Select as discontinued for new sourcing (late 2025). Existing holders keep their benefits — confirm the current option on kotak.bank.in.
Data current as of June 2026, cross-checked against Kotak’s official pages and aggregators. Status and terms change — confirm on kotak.bank.in before applying.