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.

Read More – Kotak Royale Signature Credit Card

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.

Kotak Platinum Debit Card Participating Airport Lounges

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.

Also Read - Kotak Debit Card Lounge Access

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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