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Kotak Mahindra Bank offers credit cards ranging from the basic to the premium categories. It has credit cards for various segments, such as travel, lifestyle, fuel, and more. Compare from multiple credit card options available at the CreditMantri website and choose the Kotak Mahindra Bank credit card suitable for your spending habits.
Get exclusive benefits, offers, and more with KOTAK Credit Cards
Note: It will not affect your score
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 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.
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 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.
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.
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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
Up to 3.50% per month (42.00% per annum)
Cash Payment Fee
Late Payment charges
100 to 700 based on the balance
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
Thus, credit cards provide a card holder a plethora of benefits.
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.
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.
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:
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 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.
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.
Kotak Mahindra Bank credit cards come with exclusive discounts and offers. You can use Kotak Mahindra credit cards without worrying about cyber threats
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.
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...
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, 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...
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 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...
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.