Kotak Platinum Debit Card offers complimentary lounge access at select domestic airports in India, allowing cardholders to relax and enjoy premium services before their flight. This facility is available a limited number of times per quarter, subject to card usage.
Example Amit, a marketing executive from Delhi, uses his Kotak Platinum Debit Card for everyday spending. In one quarter, he paid for groceries, fuel, and restaurant bills using his card.
Since his total spend met the required threshold, he enjoyed free lounge access at Delhi Airport during a business trip.
Expense Type
Monthly Spend (₹)
Quarterly Total (₹)
Groceries & Shopping
7,000
21,000
Fuel
3,000
9,000
Dining
5,000
15,000
Total
₹45,000
With a quarterly spend of ₹45,000, Amit qualified for lounge access. Cardholders must check the latest terms, as access may depend on the card variant and spending behaviour.
Features and Benefits of Kotak Debit Card Lounge Access
The Kotak Privy League Platinum Debit Card offers much more than just lounge access. It gives you daily convenience, travel comfort, and extra protection. Explore the key features and benefits below to make the most of your card.
Feature
Details
Purchase Limit
₹12,00,000 per day
ATM Withdrawal Limit
₹2,00,000 per day
Lounge Access
1 complimentary domestic airport lounge access per calendar quarter
Fuel Surcharge Waiver
2.5% waiver on up to ₹30,000 fuel spends per month
Contactless Transactions
No PIN needed for domestic spends under ₹5,000; PIN needed internationally
ATM Access
Unlimited free transactions at all ATMs in India
Insurance Cover
Multiple covers, including accidental death, lost card, and purchase protection
EazyDiner Prime Membership
Complimentary, upon the first E-commerce or POS transaction
Benefits of Kotak Privy League Platinum Debit Card
Benefit
Description
Special Brand Discounts
Offers across selected brand partners
SWIGGY Offer
15% off on min ₹200 order (max ₹250), valid 10 times a year
Birthday/Anniversary Offers
Special discounts on important occasions
Merchant Offers
Exclusive deals with selected merchants
Insurance – Lost Card Liability
Coverage up to ₹4,75,000
Purchase Protection Limit
Up to ₹1,50,000
Lost Baggage Cover
Up to ₹1,00,000
Personal Accident Cover
Up to ₹15,00,000 (T&C Apply)
Air Accident Insurance
Up to ₹1,00,00,000
Eligibility Criteria for Kotak Platinum Debit Card Lounge Access
To be eligible for lounge access with the Kotak Platinum Debit Card, you must meet certain relationship or salary criteria. The bank checks either your account balance or your total relationship value with Kotak.
Customer Type
Eligibility Criteria
Savings Account Holder
Maintain an average monthly balance of over ₹10 lakhs in your savings account, or have a total relationship value (RV) of ₹30 lakhs with Kotak.
Current + Savings Account Holder
Maintain an average monthly balance of over ₹15 lakhs in your current account, or keep a relationship value (RV) of ₹30 lakhs.
Corporate Salary Account Holder
Get a monthly salary credit between ₹1,00,000 and ₹3,00,000 in your Kotak Corporate Salary Account.
Note:
Relationship Value (RV) includes the total value of your deposits, investments, and other products linked to Kotak Mahindra Bank.
Meeting either one of the two criteria in each category is sufficient for eligibility
How to Use a Kotak Platinum Debit Card for Lounge Access?
You can enjoy a more comfortable travel experience by using your Kotak Platinum Debit Card to access select airport lounges across India. Follow these easy steps to make sure you qualify and use your card correctly at the lounge.
Steps to Use the Lounge Access Benefit
Check the Lounge Availability Before your journey, check if your departure airport has a participating lounge that accepts Kotak debit cards.
Make the Required Spend Ensure you have spent at least ₹5,000 on your Kotak debit card in the previous calendar quarter to qualify for free access.
Visit the Lounge Go to the lounge at the airport and inform the staff that you would like to use your Kotak Privy League Platinum Debit Card for access.
Card Validation The lounge staff will swipe your card and charge a nominal amount of ₹2 to confirm your eligibility. This is not a lounge fee but a mandatory system check.
Access the Lounge Once validated, you can enter and enjoy the lounge facilities such as seating, food, beverages, and Wi-Fi completely free (if you are within your quarterly limit).
Important Tips
You are allowed 1 free lounge visit per calendar quarter with this card.
If you do not use your free visit in a quarter, it does not carry forward to the next.
If you have already used your free visit, you can still access the lounge by paying the regular lounge fee
Two Types of Lounge Entry
Type
Details
Type 1
Free entry for eligible cardholders with a ₹2 swipe for verification. Limited to 1 free visit per quarter.
Type 2
Paid entry. If your free visit is used, you may still enter by paying the standard lounge fee at the counter.
You can enjoy complimentary lounge access at select airports across India with your Kotak Platinum Debit Card. Before travelling, always check whether the lounge at your departure airport is part of the Kotak lounge access programme. Below is a list of participating lounges where you can use your card.
Name
City
Terminal
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
Travel Club Lounge
Chennai
Terminal 4
Blackberry Lounge
Coimbatore
Terminal 1
Bird Lounge
Dehradun
Terminal 1
Good Times Lounge And Bar
Goa
Terminal 1
The Lounge
Guwahati
Terminal 1
Encalm Lounge
Hyderabad
Terminal 1
Encalm Lounge
Hyderabad
Terminal 1
Primus Lounge
Indore
Terminal 1
Primus Lounge
Jaipur
Terminal 1
Paahun The Executive Lounge
Jammu
Terminal 1
Pearl Lounge
Kannur
Main Terminal
Pearl Lounge
Kannur
Main Terminal
Earth Loung
Kochi
Terminal 1
Earth Loung
Kochi
Terminal 3
Travel Club Lounge
Kolkata
Terminal 1
Click here to know more about participating airport lounges
Conclusion
The Kotak Privy League Platinum Debit Card gives you access to a more relaxed and premium airport experience through complimentary lounge access. You can enjoy this benefit once every calendar quarter, provided you’ve spent at least ₹5,000 using the card in the previous quarter. The process is simple – just check if the airport has a participating lounge, swipe your card for a ₹2 verification, and enter.
This benefit allows you to enjoy comfortable seating, free refreshments, Wi-Fi, and other lounge facilities without paying extra. If you’ve already used your free access for the quarter, you can still enter the lounge by paying the standard fee.
With this card, you don’t just make payments, you gain access to added travel comfort. So, plan your journeys wisely, use your card regularly, and take full advantage of the privileges that come with it.
FAQ’s
1. How many free lounge visits do I get with the Kotak Platinum Debit Card? You get one free lounge access per calendar quarter if you spend at least ₹5,000 using your card in the previous quarter.
2. How do I use the card at the airport lounge? Visit a participating lounge, present your card, and the staff will swipe it for a ₹2 verification. If eligible, you’ll get free entry.
3. What happens if I don’t use my lounge visit in a quarter? You lose the unused visit. The free access does not carry forward to the next quarter, so try to use it in time.
4. Can I enter the lounge if I’ve already used my free visit? Yes, you can still access the lounge by paying the standard entry fee at the counter after your free visit is used.
5. Do all airports accept this card for lounge access? Not all. You must check in advance whether the airport lounge is part of the program and accepts Kotak Platinum Debit Cards.
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