CREDIT CARD DETAIL Kotak Mahindra Trump Visa Gold Card Card Highlights Card Class Gold Card Type Premium Issuer Kotak Offered Type Visa Rewards Main Features Simplified fees and charges No interest, no fee EMIs for three months Interest-free cash withdrawals Convert any purchase above Rs. 5000/- into EMI  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 3 month Interest Rate 0% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month (Processing fee or Rs.199/- flat. Continued interest free period on fresh retail purchases}  Fees & charges   Fees & charges Joining Fee Free for life Add On Card Fee Joining fee of Rs.149/- per card Cash Advance Transaction Fee Interest-free cash withdrawals Flat fees - Rs. 300/- 2.5% or Rs. 250/- to Rs. 300/- whichever is higher Penalty Interest Rate No interest, no fee EMIs for three months 6 Months 0% interest and processing Flat Fee Rs.500 Late Payment Flat fees -Rs. 350/- Range Rs. 300/- to Rs. 600/- with 30% of Minimum Amount Due Over Limit Charges Flat fees - Rs. 500/- 2.5% on over limit amount (subject to a minimum of Rs. 500/-) Cheque Bounce Fee Flat fees - Rs. 300/- 2.5% of amount or Rs. 250/- whichever is lower Dial a Draft Fee Flat fees - Rs. 300/- 2.5% or Rs. 250/- to Rs. 300/- whichever is higher Emergency Replacement(when overseas) Nil Charge Slip Request Nil Air/Railway Booking Comment Railway Surcharge Waiver for offline & online transactions Waiver of 1.8% Fuel Surcharge 2.5% Foreign Currency Transaction Charges 3% to 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits  Cash Back   Cash Back: Description 10% Cashback across all restaurants 10% Cashback on movies and plays Available all year round * First time ever 10% Cashback on Food & Drinks * Anywhere Coffee Shops | Fast Food Joints | Pubs & Bars | Restaurants * Available all year round  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility Yes Dial a Draft Facility Yes Rewards Programme No Global Emergency Assistance Service Yes Insurance: Hospitalization Benefits No  Special Offers   Special Offers Pizza Hut Note: Offer valid up to July 31, 2008. PVR movie tickets Note: Offer valid up to July 31, 2008. Travel Guru Note: Offer valid up to July 31, 2008.  Eligibility Criteria   Eligibility Criteria * Primary Card holder should be 21 years and above. Add-on Card holder should be 18 years and above. * Location – Ahmedabad, Bangalore, Chandigarh, Chennai, Coimbatore, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune. * Income – Rs. 1.8 lakh and above per annum * Should be a resident of India  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Carnival of Indian Personal Finance Blogs #3 Credit profile and its effect on loan... 7 most common Home Loan problems faced by... Fixed or floating interest rate home loan:... How to increase one’s Home Loan Eligibility