Kotak Debit Card lounge access offers select cardholders complimentary entry to airport lounges in India, adding comfort and convenience to their travel. This benefit is available on premium Kotak debit cards such as the Kotak Privy League or Platinum variants.
For instance, Sandeep, a business traveller from Bengaluru, holds a Kotak Privy League Platinum Debit Card. Over three months, he regularly used his card for shopping, travel bookings, and utility payments.
Since his quarterly spend crossed the required threshold, he became eligible for complimentary lounge access and used it at Bengaluru Airport.
Expense Type
Monthly Spend (₹)
Quarterly Total (₹)
Online Shopping
8,000
24,000
Travel & Cab fares
6,000
18,000
Utility Bills
3,000
9,000
Total
₹51,000
Sandeep’s total quarterly spend of ₹51,000 qualified him for lounge access. Always review your card’s terms to ensure eligibility, as conditions may differ.
Features and Benefits of Kotak Debit Card Lounge Access
Type
Features & Benefits
Business Privy League Neon
Spend up to ₹4,00,000 daily on purchases within India and abroad.
Withdraw up to ₹2,00,000 per day from ATMs.
Enjoy one free domestic lounge access per calendar quarter.
Get a 2.5% fuel surcharge waiver on fuel spends up to ₹30,000 per month.
Get 10% off on Swiggy orders over ₹200, up to 10 times a year.
Receive unlimited free transactions at all ATMs in India.
Get exclusive offers on your birthday and anniversary.
Business Privy League Platinum Debit Card
Spend up to ₹12,00,000 daily on purchases within India and abroad.
Withdraw up to ₹2,00,000 per day from ATMs.
Enjoy one free domestic lounge access per calendar quarter.
Get a 2.5% fuel surcharge waiver on fuel spends up to ₹30,000 per month.
Avail 15% off on Swiggy orders above ₹200, up to 10 times a year (max ₹250 per order).
Activate your card with any e-commerce or POS payment to get a free EazyDiner Prime membership.
Make unlimited free ATM transactions across India.
Receive special discounts and offers on your birthday and anniversary.
Privy League Black Debit Card
Spend up to ₹12,00,000 daily on purchases in India and abroad.
Withdraw up to ₹2,50,000 per day from ATMs.
Get 2 free domestic airport lounge visits every calendar quarter.
Enjoy a 2.5% fuel surcharge waiver on fuel spends up to ₹30,000 per month.
Save 20% on Swiggy orders above ₹200, up to 10 times a year (max ₹300 per order).
Privy League Platinum Debit Card
Spend up to ₹12,00,000 daily on purchases within India or abroad.
Withdraw up to ₹2,00,000 per day from ATMs.
Enjoy 1 free domestic airport lounge visit per calendar quarter.
Get a 2.5% fuel surcharge waiver on spends up to ₹30,000 per month.
Avail 15% off on Swiggy orders above ₹200, up to 10 times a year (max ₹250 per order).
Activate your card with any e-commerce or POS transaction to get a free EazyDiner Prime Membership.
Lounge access requires a minimum spend of ₹5,000 in the previous calendar quarter.
Signature Pro Debit Card
Make purchases up to ₹3,00,000 per day in India or abroad.
Withdraw up to ₹1,00,000 daily from ATMs.
Get a 2.5% fuel surcharge waiver on monthly spends up to ₹30,000 on fuel.
Enjoy offers across food, shopping, travel, healthcare, lifestyle, and more.
Use the card at all Visa merchant outlets in India and overseas.
Access 1 free airport lounge visit per calendar quarter (subject to ₹5,000 spend in the previous quarter).
Privy League Signature Debit Card
Make purchases up to ₹4,00,000 (Optima) or ₹4,50,000 (Insignia) daily.
Withdraw up to ₹2,00,000 from ATMs each day.
Use PayWave for fast and secure contactless payments.
Enjoy a 2.5% fuel surcharge waiver on monthly fuel spends up to ₹30,000.
Get 1 free domestic lounge access per quarter (subject to ₹5,000 spend in the previous quarter).
Nations Builders Debit Card
Kotak Nation Builders Debit Card is made for Government and Public Sector employees.
You can spend up to ₹3,00,000 and withdraw up to ₹1,00,000 daily.
Get 5% cashback (up to ₹100/month) on select Indian brands.
Enjoy 1 free domestic lounge visit per quarter.
Get 2 free international lounge visits each year (T&C apply).
Privy League Neon Debit Card
The Kotak Privy League Neon Debit Card has a purchase limit of ₹4,00,000 and an ATM withdrawal limit of ₹2,00,000.
Enjoy exclusive discounts with select brand partners.
Get 1 free domestic airport lounge access per calendar quarter.
Fuel surcharge waiver of 2.5% is available on fuel spends up to ₹30,000 per month.
Air accident insurance of ₹1,00,00,000 is provided.
Lounge access requires spending of ₹5,000 in the previous calendar quarter.
Eligibility Criteria for Kotak Debit Card Lounge Access
Type
Eligibilty
Privy League Neon Debit Card
To apply for the Privy League Neon Debit card, you need to be a part of the Privy League Neon Programme of the Bank.
Business Privy League Neon
To apply for the Privy League Neon Debit card, you need to be a part of the Privy League Neon Programme of the Bank
Business Privy League Platinum
To apply for Privy League Platinum (Debit card), you need to be a part of the Privy League Platinum Programme of the Bank
Privy League Black Debit Card
To apply for the Privy League Black Debit card, you need to be a part of the Privy League Black Programme of the Bank
Privy League Platinum Debit Card
To apply for the Privy League Platinum Debit card, you need to be a part of the Privy League Platinum Programme of the Bank
Signature Pro Debit Card
To apply for the Signature Pro Debit Card, you need to hold a Pro Savings Account with the Bank
Nation Builders Debit Card
To apply for the NationBuilders Debit Card, you need to hold a NationBuilders Salary Account with the Bank
How to Use a Kotak Debit Card for Lounge Access?
You can use your Kotak debit card to enjoy free airport lounge access, provided your card is eligible. Most lounges stay open 24/7, but you must first check if your departure airport has a lounge facility.
To use your Kotak debit card for lounge access:
Check your card's eligibility – Some Kotak debit cards offer 1 free airport lounge access per calendar quarter.
Visit the airport lounge – Head to a participating lounge at your departure airport.
Present your debit card – At the lounge, the staff will ask you to swipe your card for verification.
Swipe your card for ₹2 – A nominal ₹2 charge will be made to confirm your card's eligibility.
Enter and enjoy the lounge – If your card has available free access, you can use the lounge without extra charges.
Pay if limit is used – If you’ve already used your free quota, you can still enter by paying the lounge's regular entry fee.
Note:
Unused quarterly access does not carry forward.
You can use your free swipes any time in the quarter.
Check the terms and conditions on the Kotak website or contact support for updated lounge lists.
To get these benefits, apply for a Kotak debit card online and open an account with Kotak Mahindra Bank.
Kotak Debit Card Participating Airport Lounges
Primus Lounge
Agartala
Main Terminal
The Lounge
Ahmedabad
Terminal 1
The Lounge
Ahmedabad
Terminal 2
Primus Lounge
Amritsar
Terminal 1
BLR International Lounge
Bangalore
Terminal 1
BLR Domestic Lounge
Bangalore
Terminal 1
Primus Lounge
Bhopal
Terminal 1
Bird Lounge
Bhubaneshwar
Terminal 1
Bird Lounge
Calicut
Terminal 1
The Cram Bar
Chandigarh
Terminal 1
The Cram Bar
Chandigarh
Terminal 1
Travel Club Lounge A
Chennai
Terminal 1
Travel Club Lounge B
Chennai
Terminal 1
Travel Club Lounge
Chennai
Terminal 3
Travel Club Lounge Extn
Chennai
Terminal 3
Click here to know more about participating airport lounges
Conclusion
Kotak debit card lounge access offers a simple and rewarding way to enjoy extra comfort while travelling. If you hold an eligible Kotak debit card, you can access select airport lounges across India without paying extra, usually once per quarter. Just make sure you meet the minimum spending requirement and swipe your card for verification. By using your card wisely, you can relax and enjoy premium lounge services every time you travel.
FAQ’s
1. How many free lounge visits do I get with my Kotak debit card? You get one free domestic lounge access per calendar quarter, depending on your card type and eligibility.
2. Do I need to spend before using lounge access? Yes, you must spend at least ₹5,000 using your Kotak debit card in the previous calendar quarter to be eligible.
3. Is PIN entry required for lounge access? No. Lounge entry is verified through a ₹2 swipe. However, for some contactless transactions, a PIN may be needed abroad.
4. Can I carry a guest using my free lounge access? No, free access is only for the eligible cardholder. Guests will need to pay separately at the lounge.
5. What if I don’t use my lounge visit in the quarter? The free access does not carry forward. If you don’t use it within the quarter, you lose that benefit.
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