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Kotak League Platinum vs IDFC FIRST Classic
Which credit card is better for you? Fees, rewards & charges side by side.
Kotak Mahindra Bank
League Platinum
Visa
| 
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | Lifetime Free | Lifetime Free |
| Joining fee | FREE | FREE |
| Our rating | ★ 4.0 | ★ 4.2 |
| Rewards | 4 – 8 points / ₹150 | 3X – 10X reward points |
| Best for | Movie lovers who want a free card with decent points | First-time card users who want a free card that keeps rewarding |
| Top benefits | 🎬 8 PVR tickets ⭐ 8 points / ₹150 🆓 Lifetime free | 🔟 Up to 10X 🚆 16 railway lounges 🆓 Lifetime free |
| Lounge access | None | 4 railway lounges/quarter (no airport) |
| Fee waiver | Lifetime free on current offer (standard ₹499, waived on ₹50,000 spend) | Lifetime free — no joining or annual fee |
| Min. income | ₹3 lakh/year | ₹3 lakh/year |
| Credit score | 720+ | 720+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.5%/month (42% p.a.) | 0.71% – 3.85%/month (based on profile) |
| Cash withdrawal | 2.5% (min ₹500) | ₹199 per withdrawal |
| Late fee | ₹0 – ₹1,300 by bill amount | 15% of amount due (₹100 – ₹1,000) |
| Apply Now → | Apply Now → |
Quick verdict
The Kotak League Platinum Credit Card is lifetime free and gives 4 – 8 points / ₹150. The IDFC FIRST Classic Credit Card is lifetime free and gives 3X – 10X reward points. Our rating: Kotak League Platinum ★ 4.0, IDFC FIRST Classic ★ 4.2.
Choose…
- Kotak League Platinum if you are: movie lovers who want a free card with decent points. 8 PVR tickets a year, spend-linked · 8 points / ₹150 on select categories · Lifetime free on current offer.
- IDFC FIRST Classic if you are: first-time card users who want a free card that keeps rewarding. Up to 10X on spends above ₹20k/month · 16 railway lounges 4 every quarter · Lifetime free no annual fee ever.
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