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Kotak Mahindra Bank Credit Cards

Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. It has 1369 branches and 2163 ATMs across 689 locations. Being the fourth largest bank in India by assets, Kotak Mahindra Bank provides variety of financial services for corporate and retail customers. Kotak provides tailor-made products to satisfy every customer requirement which can clearly be seen in their credit card offers.

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.

Why choose Kotak Credit Cards

Kotak provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for Kotak Credit Card

Knowing the need of the customer and making it comfortable for them Kotak provides multiple ways by which an individual can apply for a credit card.

Apply for Kotak credit card online

Kotak Website

You can go to the Kotak website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you, make sure your card application is not rejected and thus your credit score is not affected.

Kotak Credit Card Eligibility and Documentation


There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum
Credit ScorePreferred 750

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.


The documentation required for a Kotak Credit Card is very simple and straightforward. You will require the following:

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

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 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.

About CreditMantri

CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!

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KOTAK Credit Card - Apply for KOTAK Credit Cards Online & Get benefits like Fuel ✓ Airline ✓ PAYBACK ✓ Lifestyle ✓ Reward Points ✓ Cashback available on KOTAK Credit Card in India.

Latest & Update Kotak Credit Card News

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...

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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 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.

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