Check your KOTAK Credit Card eligibility
Get exclusive benefits, offers, and more with KOTAK Credit Cards
Note: It will not affect your score
Apply for other KOTAK Credit Cards
Kotak Mahindra Credit Card Documents Required
- Identity Proof: PAN card, Aadhaar card, driver’s license, passport, voter’s ID, overseas citizen of India card, person of Indian origin card
- Age proof: Passport, 10th standard school certificate, birth certificate, voter ID card (Any one of the mentioned)
- Address Proof: Driver’s license, Aadhaar card, Passport, utility bill not more than 3 month’s old, ration card, property registration document, person of Indian origin card, Job card issued by NREGA, bank account statement or any other address proof approved by the government.
- Income proof or employment details: Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
- PAN card
Kotak Mahindra Bank Eligibility Criteria
- Age: You must be at least 18 years and above.
- Income: You should have the minimum income required for each credit card.
- Occupation: you can either be a salaried or self-employed individual
- Credit Score: Your credit score should be good to get a credit card
Quick Links To Handle Your Kotak Mahindra Bank Credit Card
There are various procedures associated with the Kotak Mahindra Bank credit card. Here are some quick links to handle your Kotak Mahindra Bank credit card:
Types of Credit Cards Offered by Kotak
Kotak offers multiple types of credit cards likeEntertainment: These are credit cards that are especially made for entertainment activities be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by Kotak in this category are
Kotak Delight Platinum Credit Card
Kotak Delight Platinum credit card users can get 10% Cashback on dining spends and a minimum of INR 10,000 on categories other than dining and entertainment.
A maximum Cash-back of INR 600 including both Dining &apm; Entertainment transactions will be given in a monthly billing cycle. Dining &apm; Movie Transactions up to INR 4000 are eligible for cash-back.
Kotak PVR Gold Credit Card
You can get free PVR movie tickets when you shop with your Kotak PVR Gold Credit Card. It offers good rebates for those seeking entertainment in the latest movie releases, be it Bollywood, Hollywood and regional cinema. With PVR Kotak Credit Card specially designed for movie lovers, cardholders can enjoy complimentary tickets to watch their favorite blockbusters.
The users can also get up to 24 Free PVR movies tickets in a year (Maximum 2 per month) on your PVR Gold Credit Card and other exclusive benefits to enrich your lifestyle.
Kotak PVR Platinum Credit Card
Kotak PVR Platinum Credit Card is made especially for movie loves and entertainment comes free. Spend and get free movie tickets!
This PVR Kotak Credit Card can get you up to 24 Free PVR movies tickets in a year (subject to a maximum 2 per month) and other exclusive benefits to enrich your lifestyle.
The rewards this card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.
Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by HDFC in this category are.Kotak Royale Signature Credit Card
You can earn up to 4X reward points on every Rs. 150 spent across all spends done on your Kotak Royale Signature Credit Card. The accumulated reward points can be redeemed against a host options like air tickets, mobile recharge, and much more through EasyRewardz program.
Priority pass: Along with numerous travel offers, Kotak Royale Signature Credit Card offers you access to airport lounges in India with a complimentary Priority Pass, making your travel much easier.
Fuel surcharge: The users can get freedom from surcharge on petrol pumps across India. It is applicable on transactions between INR 500 and INR 3000. Maximum fuel surcharge waiver allowed in a calendar year is INR 3500.
Kotak Credit Card Apply?
Apply Online Through CreditMantri
- Check the various Kotak Mahindra Bank credit cards available
- After choosing the card you want to apply for, click ‘Check Eligibility. (If you want more details about the card, Click ‘Know More’).
- You will be redirected to the application page.
- Enter the basic details asked and click submit. An OTP will be dispatched to your mobile.
- Enter this OTP for verification.
- Click on ‘view eligible Kotak Mahindra Bank offers and apply’
Online Apply Through The Bank’s Website
- Choose the credit card you want to apply
- Click ‘Apply Now’ below the credit card.
- Proceed with the steps and submit the application.
Offline
- You can also apply for the Kotak Mahindra Bank credit card offline by contacting customer care or by going to the nearest branch of Kotak Mahindra bank and filling the physical application form there. Make sure that you possess all the required documents with you.
Fees and Charges of Kotak Mahindra Bank Credit Cards
The credit card fees and charges will differ according to the card. The list shown below consists of the general fees and charges.
Joining or Annual fees | Depends on the card |
Finance charges | Up to 3.50% per month (42.00% per annum) |
Cash Payment Fee | Rs. 100 |
Late Payment charges | 100 to 700 based on the balance |
Kotak Credit Card Benefits & Features
Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you
1. Sign on bonuses: Some of the credit cards from Kotak provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.
2. Rewards: Reward points are offered for any transaction that is made using your Kotak credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.
3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your Kotak credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.
4. Cashback: Some Kotak credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.
5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.
6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and also know every feature available.
7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.
8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.
9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.
Thus, credit cards provide a card holder a plethora of benefits.
Kotak Credit Card Customer Care
In certain circumstances, queries might arise in your mind regarding your credit card. In such situations, you need to contact Kotak Mahindra Bank credit card customer care.
- You can reach customer care through a call on 1860 266 2666 for any immediate assistance.
- You can also contact them through email at service.cards@kotak.com.
- If your doubts are still not resolved, you can go to your nearest branch.
Kotak Credit Card Application Status
If you have applied for a Kotak Mahindra Bank credit card, you can track your Kotak Mahindra Bank application status online through your application form number, form number, mobile number, or date of birth.
Kotak Credit Card Bill Payment
Paying your credit card dues on time is essential to improve or increase your credit score. So, it is important to pay your credit card bills on time. Kotak Mahindra Bank provides you with various options to make bill payments through both online and offline. Some of the methods are:
- Netbanking
- Mobile banking
- ATM Funds transfer
- AutoPay
- NEFT
- RTGS
- Webpay
Kotak Net Banking
Kotak Mahindra Bank net banking services provided by Kotak bank to its retail and corporate bank customers. It is fast, convenient, and easy to use. You can bank safely from the comfort of your own home. You can get to know your balance, see and download statements for various accounts, pay your bills, place service requests, track and manage investments, and do much more.
Kotak Credit Card Balance Enquiry
Kotak Mahindra Bank credit card users can check their credit card balance through various channels with and without the internet. You can check the credit card balance through netbanking, SMS alerts, customer service, ATM, visiting the branch, mobile app, and monthly statements.
Closure or Cancellation of Kotak Mahindra Bank Credit Card
Kotak Mahindra Bank cardholder can terminate his/her Kotak Mahindra bank credit card by writing to the bank or by calling the Kotak Mahindra Bank credit card customer care centers that are present for providing support to the customers.
Conclusion
Kotak Mahindra Bank credit cards come with exclusive discounts and offers. You can use Kotak Mahindra credit cards without worrying about cyber threats
Kotak Credit Card FAQ
1. What is the eligibility criteria for getting a Kotak Credit Card?
You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.
2. How to do Kotak credit card bill payment?
You can pay the bill on the Kotak website by logging into their internet banking portal or you can download their mobile app which also has the option of credit card bill payment. The offline method is where you can pay your bill at any Kotak branch.
3. Why was my Kotak credit card application rejected?
It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact Kotak credit card customer care for further information.
4. How can I check my credit card usage?
You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.
5. Who can apply for a Kotak Mahindra Bank credit card?
The eligibility criteria differs across various Kotak Mahindra Bank credit cards. But however, the common eligibility criteria are: you should be a resident of India, can be salaried or self-employed but have a steady source of income, and be between 21 and 65 years of age.
6. Can I transfer money from my Kotak credit card to my bank account?
Taking a cash advance is the only way in which you can transfer money from your Kotak credit card to your bank account. You can use your ATM card for taking out and depositing the cash. The amount withdrawn is actually a short term loan without a grace period. The interest will be charged separately for the amount withdrawn and not along with your retail spends.
7. What is the grace period for Kotak Mahindra Bank credit cards?
The grace period is generally 3 days for clearing dues after which a penalty will be levied on the customers. Other than the penalty charged for late payment of the credit card bill, there is a chance that penalty will be paid on the interest. The penalty will come along with the next month’s credit card bill.
How to Apply for KOTAK Credit card on CreditMantri.com
Latest & Update Kotak Credit Card News
Kotak Mahindra Bank Enables Rupay Credit Cards To Be Linked To UPI27 Apr 2023
Kotak Mahindra Bank customers can now opt for UPI transactions using credit cards. The option is available only for RuPay Credit Card services. Cardholders can now link their RuPay Credit Cards to specific UPI apps including BHIM, Paytm, PhonePe, Fr...
Read moreKotak Mahindra Bank customers can now opt for UPI transactions using credit cards. The option is available only for RuPay Credit Card services. Cardholders can now link their RuPay Credit Cards to specific UPI apps including BHIM, Paytm, PhonePe, Freecharge, and PayZapp. Once linked, they can use the UPI just like a bank account, and money will be debited from the RuPay card. Card purchases can be made by simply scanning the merchant’s UPI QR code.
Indian Oil Ties Up With With Kotak Bank To Launch Fuel Credit Card15 Mar 2023
Indian Oil Corporation has launched a Fuel co-branded credit card in partnership with Kotak Mahindra Bank. The card will be available on the NPCI's Rupay network. The card offers a 4 percent cashback or up to Rs 300 per month as reward points on refu...
Read moreIndian Oil Corporation has launched a Fuel co-branded credit card in partnership with Kotak Mahindra Bank. The card will be available on the NPCI's Rupay network. The card offers a 4 percent cashback or up to Rs 300 per month as reward points on refuelling at IOC fuel stations. These reward points can be redeemed to get free fuel. It also offers 2 percent or upto Rs. 200 per month in cashback on dining, grocery, and other payments. The card comes with a fuel surcharge waiver of 1% or upto Rs. 100 per month, smart EMI options, interest-free credit period of upto 48 days, zero lost card liability, and Tap and pay option (contactless card).
It’s Raining Retail Offers for Kotak Mahindra Credit and Debit Cardholders22 Oct 2020
Kotak Mahindra Bank has announced an array of discounts and attractive offers as part of its Kushi Ka Season 2020 campaign. Customers can avail instant discounts of 10% at Amazon and Flipkart when they shop using their Kotak Mahindra debit/credit car...
Read moreKotak Mahindra Bank has announced an array of discounts and attractive offers as part of its Kushi Ka Season 2020 campaign. Customers can avail instant discounts of 10% at Amazon and Flipkart when they shop using their Kotak Mahindra debit/credit card. The bank has also partnered with 100+ retail brands across categories like wellness, entertainment, shopping, travel, dining and others to provide cardholders with exciting discounts and offers during this Dusshera and Diwali season. You can check out the complete list of retail offers by visiting the Kotak Mahindra website.