Kotak Credit Card Annual Fee Waiver Request
Last updated: 10 Nov 2026 (Asia/Calcutta). Figures and steps were checked against official issuer and RBI pages on this date. Banks can change fees and app menus; confirm the current schedule before you act.
A quiet year on a Kotak Mahindra Bank credit card often ends with an annual fee on the statement. For several variants, Kotak already publishes the spend number that waives that fee. The useful work is to match your card to the official fees page, add up retail spends for the right period, and only then write a request if the fee still posted or if you missed the number.
Quick answer: Open the official fees-and-charges page for your exact variant. Examples we verified on 10 November 2026: Mojo Platinum waives the ₹1,000 annual fee on annual retail spends of ₹1,00,000 (and can waive the ₹1,000 joining fee on ₹30,000 retail spends in the first 90 days). White Signature lists an annual fee of ₹3,000 + GST, waived on annual retail spends of ₹5,00,000. Royale Signature, marked discontinued for new applications, lists a ₹999 annual fee waived on ₹1,00,000 annual retail spends. If you missed the threshold, you can still ask; it is a goodwill request, not a published right.
This page is not affiliated with any bank. Phone numbers and emails below are copied from official pages we opened on 10 November 2026. If a page and a PDF disagree, treat the latest official document as the source and keep a screenshot.
Official waiver figures we could verify
We only quote cards whose official pages returned HTTP 200 on 10 November 2026. Each page also says to refer to the MITC for full fees and that GST or other taxes apply as notified by the Government of India.
| Card (official page) | Joining fee | Annual fee | Published waiver condition |
|---|---|---|---|
| Kotak Mojo Platinum | ₹1,000. Waiver: retail spends of ₹30,000 in first 90 days of issuance | ₹1,000 | Annual retail spends of ₹1,00,000 |
| Kotak White Signature | ₹3,000 + GST. Joining-fee waiver: listed as NA | ₹3,000 + GST | Annual retail spends of ₹5,00,000. Programme-linked waivers need continued programme eligibility |
| Kotak Royale Signature (page marked discontinued for new applications) | ₹1,499. Joining-fee waiver: listed as NA | ₹999 | Annual retail spends of ₹1,00,000 |
Related-product snippets on those same pages mention other variants (for example, a League Platinum annual-fee waiver on ₹50,000 spends, or an 811 card waiver on ₹50,000 in the previous anniversary year). We did not open those cards’ own fees pages in this pass, so we are not putting those figures in the table. If that is your card, open its official fees page and use that number.
For how annual fees sit among other charges, see hidden credit card charges. For a different bank’s spend-waiver style, compare SBI Card’s renewal-fee table or HDFC’s November 2026 fee-waiver grid.
Kotak annual-fee waiver calculator
This uses only the three official thresholds in the table above. It does not decide your waiver.
Kotak published annual-fee waiver check
Figures from official Kotak fees pages checked on 10 Nov 2026. Taxes extra unless the page already includes them (White lists + GST on the fee).
What “annual retail spends” usually means — and what we will not guess
The official pages say “annual retail spends” or “annual retail spends of ₹…”. They do not, on the lines we copied, spell out every excluded category for every card in one sentence. Some Kotak pages elsewhere discuss rent MCC fees or programme rules. If you are close to the threshold, ask the bank in writing whether wallet loads, rent, fuel, insurance, EMI conversions or tax payments count for the waiver year, and use the answer from the issuer, not from a forum.
Also confirm the period: calendar year, statement year, or card-anniversary year. White’s page discusses spend milestones “settled in a card anniversary year” in its rewards section. For the fee waiver, follow the wording on the fees-and-charges page and the MITC.
Step-by-step if the fee has posted, or is about to
- Download the last 12 months (or the anniversary year) of statements and add retail spends yourself.
- Compare the total with the official threshold for your variant.
- If you are still in the year and short by a modest amount, planned genuine spends may be enough. Do not manufacture spends just to chase a fee that is smaller than the interest you might pay.
- If the fee has posted and you met the threshold, write to official care and ask them to apply the published condition.
- If you missed the threshold after a quiet year, say that honestly and ask for a one-time review.
- Pay the amount due on time while the request is open. A late fee on top of an annual fee is a worse statement — see bill payment, charges and due dates.
Official Kotak care channels
Kotak’s customer service page, checked on 10 November 2026, lists a 24×7 toll-free helpline: 1800 4100, and asks you to keep your CRN and MPIN or card PIN handy when you call. The same page offers an official “write to us / email us” path. The public HTML hides the address behind a script, so we are not guessing the inbox here — use the “Send an email” control on that official page, or the Kotak Mobile app, rather than an address copied from a forwarded message.
Request template: you met the published spend
Subject: Apply published annual-fee waiver — Kotak credit card ending [XXXX] Dear Kotak Mahindra Bank Credit Card Customer Care, I am the primary cardholder of Kotak [exact variant] credit card ending [last 4 digits], CRN [if you use it], registered mobile [number]. My statement dated [date] shows an annual fee of ₹[amount] plus tax. As per the official fees-and-charges page for this variant, the annual fee is waived on annual retail spends of ₹[official threshold]. My annual retail spends for the relevant period [anniversary year / dates] were about ₹[amount], which meets that published condition. Please apply the official waiver, reverse the fee and tax if billed in error, and confirm in writing. I will pay the remaining amount due this cycle on time. Thank you. [Full name]
Request template: quiet year, goodwill review
Subject: Goodwill review of annual fee — Kotak credit card ending [XXXX] Dear Kotak Mahindra Bank Credit Card Customer Care, I am the primary cardholder of Kotak [variant] credit card ending [last 4 digits]. An annual fee of ₹[amount] plus tax was billed on [date]. I understand the published waiver requires annual retail spends of ₹[threshold]. My spends in that period were about ₹[amount], which is below the threshold, because [one factual reason: job change, medical leave, card rarely used this year]. I request a one-time goodwill waiver. I have held the card since [year] and have paid dues on time. Please reply in writing. I will pay the billed amount this cycle if the review is not approved, / or please advise on card closure only after rewards and dues are cleared. Thank you. [Full name]
If you may close the card instead
If the fee is large relative to how you use the card, closure can be cleaner than a yearly goodwill mail. Clear the outstanding, redeem rewards first, and follow the card-closure steps. Do not assume a closure mid-cycle automatically reverses a fee that already posted — ask the issuer to confirm in writing.
RBI’s card issuance and conduct Directions (updated 1 October 2026) require issuers to disclose fees in the Key Fact Statement and MITC. Your best evidence in any request is that official document plus your statements, not a screenshot from a comparison site.
FAQ
Does Kotak automatically waive the annual fee if I meet the spend?
On the official fees-and-charges pages we opened, several Kotak cards list a “condition for waiver of annual fees” tied to annual retail spends. If you meet that published condition, the waiver should apply as printed. Always re-check your own card’s page and MITC, because variants differ and some programme-linked fees have extra eligibility conditions.
What is the Mojo Platinum waiver threshold?
Kotak’s Mojo Platinum fees-and-charges page lists a joining fee of ₹1,000, annual fees of ₹1,000, joining-fee waiver on retail spends of ₹30,000 in the first 90 days of issuance, and annual-fee waiver on annual retail spends of ₹100,000. Figures exclude GST unless the page says otherwise.
What if I had a quiet year and missed the threshold?
Then the published automatic waiver does not apply. You can still request a goodwill review through official Kotak channels (the customer-service page lists a 24×7 toll-free helpline, 1800 4100). A reversal is discretionary. Pay the billed fee plus tax if you want to keep the card, or close it only after you understand rewards and dues.
Is Royale Signature still on sale?
The official Royale Signature fees page we opened is marked as discontinued for new applications. It still lists a joining fee of ₹1,499, annual fees of ₹999, and an annual-fee waiver on annual retail spends of ₹100,000. Existing cardholders should rely on their current MITC, not on a lapsed sales page alone.
Are programme-linked cards different?
Kotak’s White Signature page notes that waiver of fees for credit cards linked to a programme is subject to maintaining eligibility of that programme. If you drop out of the programme, the page says you will not be given the programme-linked fee waiver and will have to pay joining or annual fees.
Which official page should I trust?
Your card’s fees-and-charges page plus the MITC linked from that page. We cite Mojo, White and Royale because those pages returned HTTP 200 on 10 November 2026. Other Kotak variants have their own numbers — we do not invent them here.
About the author. Written by the Credit Card Customer Care editorial desk. We explain Indian credit-card processes in plain language and link every fee figure to an official issuer or RBI page we opened on the date above. This is general information, not personalised financial, legal or tax advice, and we are not the bank.
Disclaimer: A waiver or reversal is never guaranteed. Spend-based waivers apply only if your card’s current terms say so. After a fee is posted, any reversal is usually a goodwill decision by the issuer. Pay at least the minimum due on time while you wait. Verify charges on your statement and on the issuer’s latest MITC or Key Fact Statement.
