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Kotak Mahindra Bank launched credit cards to its customers for the first time during 2008. In 2010, it launched a credit card known as Kotak Trump Card which offered 10% cash back on spending for dining, movie and play.

List of Kotak Credit Cards

 Kotak Mahindra Bank

Kotak Mahindra Bank is one of the popular banking and financial services group in India.

It offers a wide array of financial services that encompass every domain of life. It is headquartered in Mumbai.

In the year 1985, Uday Kotak launched Kotak Capital Mahindra Finance Ltd. It was promoted by Uday Kotak, S.A.A. Pinto, and Kotak & Company. The company’s name was changed to Kotak Mahindra Finance Ltd on April 8, 1986.

In February 2003, Kotak Mahindra Finance Ltd secured a license from the country’s Central Bank -RBI to carry on the banking business in India. It became the first non-banking finance company in India which converted to a bank.

The firm mainly deals with the management of fixed deposit mobilization, leasing and hire purchase, bill discounting, corporate finance, financing against securities, investment banking, consumer finance and clients’ money management.

It has a network of 2,169 ATMs, 1,369 branches in India. During 2018, the Kotak Mahindra Bank was the second largest private bank in terms of market capitalization followed by HDFC Bank.

Kotak Mahindra acquired ING Vysya Bank in the year 2015 in a deal which was valued at Rs 15,000 crore. With the merger of ING Vysya with Kotak Mahindra the total number of employees increased to almost 40,000 and the number of branches reached 1,261. Post-merger, ING Group which previously controlled ING Vysya Bank, owns 7% stake in Kotak Mahindra Bank.

 Features of Kotak Mahindra Bank’s Credit Card

The following are the features of Kotak Mahindra Bank’s Credit Card:

Pay By Points – The Kotak Mahindra Bank provides an opportunity to the cardholders to pay without cash for all kind of transactions. The cardholder can pay the bill using the card by encashing on the accumulated reward points at the merchant terminal of the bank’s partners which include Godrej Nature’s Basket, ONLY, Globus, Vero Moda and so on.

 • Convert to EMI – Kotak Credit card offers EMI to the cardholders who can purchase and convert the same into easy EMIs within a period of 15 days. Convert any of the purchases above Rs 3,000 and within a credit limit of 75% to EMIs. This facility is not available for gold transactions.

Outstanding Credit Balance to EMI – Kotak Credit card offers shop hassle-free convenience to its customers. The cardholder can convert the outstanding credit card balance to easy EMIs. The facility is not available for gold transactions. It offers the lowest interest rate of 1.16% on EMIs for a tenure of 3 months. The bank does not charge any foreclosure fee.

One Assist- Kotak Mahindra Bank offers One Assist to secures the card from theft. In case of loss of card, the cardholder can call from anywhere in the world to block all the cards in his/her lost wallet. The bank will replace lost PAN and Driving license for free. Lost card fraud cover is up to Rs 2,50,000 for a period of 30 days prior to reporting the loss. Post reporting the loss of card, get complete protection on the lost card.

Apply for Kotak Credit Card

Below are the steps to apply for Kotak Credit Card via online and offline

Offline Process to apply for Kotak Credit Card

Applicants can directly walk into the nearest branch of the Kotak Mahindra and express there desire to obtain a credit card from the bank.

The bank executive will explain you about the features of all the credit cards after understanding the annual income, needs, and requirements of the prospective customer.

Once the applicant zeroes in the card as per the requirement, he/she will be asked to fill in the application form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.

The bank representative will thoroughly go through the application form along with the other submitted documents provided by the applicant and will take a final call whether the applicant meets the eligibility criteria for the credit card for which they have applied for. Once the check is done the applicant will be provided with the desired credit card.

It will be at the discretion of the Kotak Mahindra Bank to decide if a customer has to be given Credit Card or not.

Online Process to apply for Kotak Credit Card

Prospective customers have to visit the web page of the Kotak Mahindra Bank and select the credit card section in the home page and check the list of credit cards offered by the bank and zero in on the best credit card that suits their needs and requirements.

After choosing the credit card, the customer has to click on the ‘Apply Now’ option which takes them to the new web page wherein they have to validate if they are an existing Kotak customer.

If you are an existing customer of Kotak Mahindra Bank then you will be asked to enter CRN/Customer ID and Mobile Number to proceed further.

If you are not an existing Kotak Mahindra Bank customer then you will be asked to fill in the following list of details as under

Contact Details:

• First Name
• Email ID
• Mobile No

Applicant Details:

• Date of Birth
• Employment Details
• Residence City
• Residence Pin code
• Net Income Per Month

After filling in all the above-mentioned details, the customer has to click on Proceed button, a one-time password (OTP) will be sent to your registered mobile number which has to be typed in the given the given space to confirm the mobile number.

On receiving the request from the customers, the Kotak Mahindra Bank executives will give a call to the customer and will ask them to submit the required documents. Upon the receipt of the required documents and the scrutiny of the same, the customer may or may not get the desired credit card from the Kotak Mahindra Bank.

It is solely at the discretion of the Kotak Mahindra Bank to issue a credit card to a customer.

Eligibility Criteria to apply for Kotak Mahindra Bank’s Credit Card

To apply for a Kotak Mahindra Credit Card, one has to fulfill the following criteria:

• Should be Resident of India.
• The primary cardholder should be aged between 21 years and 65 years.
• Add-on cardholder should be 18 years and above.
• The applicant should be located in one of the following region Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Navi Mumbai, Mumbai, Chandigarh, Kolkata, Hyderabad, and Pune.
• Income requirements of the cardholder differ from one credit card to another.

Documents Required for Kotak Mahindra Bank’s Credit Card

The following mentioned documents are required

• PAN Card Photocopy
• Form 60
• Recent color photograph

Proof of Income

• Latest Payslip
• Form 16
• Income Tax Return copy

Residential Address Proof

• Passport
• Ration Card
• Electricity Bill
• Landline telephone bill

Identity Proof (Any one of the following)

• Passport
• Election Voters ID Card
• Driving License
• PAN Card
• Aadhaar Card

Kotak Credit Card Login

With Kotak Credit Card login feature explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your Kotak NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Kotak Credit Card Login and how to use it.

Features

  • Recharge for your mobile and DTH
  • Pay your Credit Card bills, Utility Bills by Kotak Billpay facility.
  • Transfer funds online between your third party accounts with Kotak Mahindra Bank, or any other bank account via NEFT, RTGS or IMPS
  • Make RD or FD and get premature withdrawal on line.
  • View your account activity, available balance and transaction details
  • Check the status of your check.
  • View and update your profile details like mobile number, email id, Aadhar Card number and more
  • Now make your travel more friendly and book your flight, bus and hotels through online services. 
  • Get unique transaction services like Request for a check book, Payment gateway registration, Re-generate debit card PIN, Activate/Deactivate Debit Card, Activate/Deactivate Debit Card for International Usage, Link Accounts
  • Apply online for Kotak Insurance Policy
  • View your Kotak Life insurance policy, switch funds, pay premium online
  • Apply for New Debit Card, Upgrade your existing Debit Card, Apply for Image Debit Card, Apply For Priority Pass, Apply for Card Protection Plan
  • Apply for IPO/FPO/Rights Issue without any paperwork from the convenience of your home/office using ASBA facility
  • View securities available for Demat Accounts
  • Invest/Redeem in Mutual Funds online and view current Mutual Fund portfolio
  • Download digitally signed statements for all your transactions through Statement tab
  • Make your online shopping more secure with Kotak Netc@rd at over 8500 websites

How to Register

  • Go to the official site of Kotak Credit Card
  • Click on Login, which is located on the top bar of the page
  • Click on Register for Net Banking
  • Enter your CRN/ Customer Id or Nickname
  • Enter the Captcha Code and agree with the terms and conditions
  • Click on Continue for further steps
  • Now verify your details and click on Continue
  • On the next page choose any method to generate your password and click on Continue
  • Create your new password and click on Submit

How to Login

  • Go to the official site of Kotak Credit Card
  • Click on Login, which is located on the top bar of the page
  • Enter your CRN/ Customer Id or Nickname
  • Enter your net banking password
  • Click on Secure Login to explore the net banking services of Kotak

Kotak Credit Card Payment

The cardholder can make payments for the credit card in any of the following listed methods.

  • Pay through standing instructions (Auto Debit): If the cardholder has a savings bank account in Kotak Mahindra Bank, then they can pay directly through the savings account by giving standing instructions in writing to debit the payment of credit card on a monthly basis on the payment due date. In case of a Kotak NRI Credit Cardholder, it is mandatory to give auto-debit instructions for the payment of the minimum amount due.
  • Pay by cash at Branches: Cardholder can pay the bill by depositing cash at specified locations during banking hours.
  • Pay through demand drafts of the cheque: Cardholders can pay through demand drafts or cheques drawn in favour of ‘Kotak Mahindra Bank Credit Card followed by the credit card number and can drop the same at the ATM’s or at partner drop boxes.
  • Pay through other bank savings account via online: The cardholders can pay the credit card dues through online mode from their respective savings account from other bank accounts as well.

Kotak Credit Card Payment Online Method

Netbanking

  • Visit the Kotak Bank site
  • Under the drop-down section of explore make payments, click on Kotak Credit Card
  • Click on Net Banking
  • Enter your Username, Password and click on Secure Login
  • Select the Credit Card option from the homepage
  • Select payments and click on Make Payment Option
  • Enter your card details and amount to make your payment complete

WebPay

  • Visit the Kotak Bank site
  • Under the drop-down section of explore make payments, click on Kotak Credit Card
  • Click on WebPay Non-Kotak Account
  • Enter all the required details and select Kotak Mahindra Bank from the drop-down section of Pay From
  • After entering all the details, click on WebPay Now
  • Enter your all Kotak Credit Card payment details
  • From the drop-down section select your savings account bank
  • Confirm your payment and receive an online confirmation and Transaction Reference Number

Kotak Credit Card Bill Desk

So what is Kotak Credit Card Bill Desk you ask?

Kotak Credit Card Bill Desk is an online platform to make payments from any other bank account. Bill desk is the first option for you if you do not have a running account with Kotak Bank. Go through the below-given benefits of Bill Desk Service and payment process to make your payment complete. 

Benefits of Kotak Credit Card Bill Desk

  • It is a 24x7 platform, which gives access to pay your Kotak Credit Card bill with any device.
  • Track the status of all your current bills and payments at one place.
  • Kotak Credit Card pending bills will be paid automatically with AutoPay
  • Get alerts for your every payment and transaction. 
  • Get access to 24x7 customer service
  • With Expense Analysis feature, you can track the entire transaction and spending history of Kotak Credit Card

Kotak Credit Card Bill Payment via Bill Desk

  • Visit the site https://pgi.billdesk.com/pgidsk/pgmerc/kotakcard/kotak_card.jsp
  • Enter your credit card number and retype the same on the required box
  • Enter your valid email id and mobile number
  • Enter the payment amount and select your bank account from the drop-down menu
  • Click on Pay Now for the further process
  • Enter your Net Banking Id and Password
  • Confirm your payment amount and your account will be debited instantly
  • Now you will receive an online transaction confirmation and a Transaction Reference Number.

Kotak Credit Card Status

Applicants applied for Kotak Credit Card can track the status of their application through the below-given process. Track your credit card status by your application number and date of birth. Scroll down and go through the tutorial to make the process complete.

Online Process to check Kotak Credit Card Status

  • Visit to the Kotak Credit Card website
  • Click on Get Help, which is located on the top bar of the page
  • Click on Track Application
  • Under the drop-down box of select product, click on Credit Card
  • Enter your Application Reference Number of Form Number
  • Click on submit and check the status of your credit card application

Online Process to check Kotak Credit Card Status for New Customers

  • Visit to the Kotak Credit Card website
  • Click on Get Help, which is located on the top bar of the page
  • Click on Track Application
  • Click on Write to us and select Kotak Credit Card
  • From the down-down, section select Non bank customer and click on the hyperlink provided to check your application status.
  • Now you will be redirected to the new page, enter your Application Reference Number of Form Number
  • Click on Check Status and check the status of your credit card application

Offline Process to check Kotak Credit Card Status

Apart from the online process applicants can also go through offline process to check their credit card status. Below given number is to track Kotak Credit Card status via offline

Call on the helpline numbers: 1860-266-2666 or, 1860-266-0811 if you are an 811 customer.

Status Details of Kotak Credit Card

In-progress: When the application is still in process, you will get the status as ‘In progress’.

On-hold: You will receive ‘On-hold’ status, if you have submitted any incomplete documentation or details.

Approved: You will find the ‘Approved’ status, once your application has been approved. You will receive your card to the address mentioned in the application form.

Dispatched: Once your card is dispatched, Dispatched status show on the screen. It will take 2-3 business days to deliver your card at your doorstep.

Disapproved: A ‘Disapproved’ status displayed when your application has been rejected. This happens when you cannot meet the eligibility criteria of the credit card.

No records found: If you enter any incorrect details, the screen will display ‘No records found’ status. Re-enter the correct details to get the status complete status.

Kotak Credit Card Statement

The credit card statement from Kotak Bank is a key financial document that provides insight into the overall purchases made with the card during the last billing cycle. Kotak Bank Credit Card Statement contains the following details.

  • Billing date for payment
  • Total Amount Due
  • Transaction details made in the billing cycle
  • Active EMIs
  • Account Summary
  • Reward Points earned
  • Opening and Closing Balance of reward points
  • Disbursed reward points
  • Adjusted reward points

The account overview further shows the details of previous month's balance, payments, purchases, balance transfers, cash advances, fees, interest rate charged in that month, current balance, available credit, closing date of the statement and the billing cycle days.

How to Register to get e-Statement

New user can go through below given online and offline process for the registration process.

Online Process

  • Login to Kotak Netbanking
  • Enter your CRN in User Id section
  • Enter password or click on, Get Net Banking Password Online
  • Click on Credit Card section or tab
  • Click on Service Requests
  • Click on “Register for Statement”

Offline Process

Apart from the online process, applicants can also go through the below given service

SMS Green to 5676788 or call to customer care number - 1860 266 2666

How to download e-Statement

Applicants can download credit card statement of last 5 transactions through the below-given process

Via Online

  • Go to Kotak Credit Card site
  • Click on statement
  • Enter your registered mobile number or CRN number
  • Click on send OTP
  • Enter the OTP on the required section and click on Continue for further steps
  • Once the process is done you can download the statement

Via Netbanking

  • Login to Kotak Netbanking
  • Go to the credit card section and click on Statement
  • View or download your credit card statement of last 5 transaction

Via Mobile Banking

  • Login to Kotak Mobile Banking app
  • Go to the credit card section and click on CC Statements
  • View or download your credit card statement of last 5 transaction

Kotak Credit Card IFSC Code

Kotak Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. Applicant can do this by adding the credit card as a beneficiary.

Kotak Credit Card IFSC Code is KKBK0000958

The first four characters KKBK reflects the bank's name and the fifth character zero is kept aside for potential use.

The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills

Ideally this card is same for all credit cardholders.

Benefits of Kotak Credit Card IFSC Code

  • This code is a primary source to pay an outstanding credit card bill
  • This cold is useful for the applicants to pay bills in a convenient manner from anywhere in the world
  • This code is useful to make secure payments without any risk
  • This code is useful for those who don't have savings account with the credit card holding bank.

How to know Kotak Credit Card IFSC Code?

To know about Kotak Credit Card IFSC Code, an applicant have to go through an easy and simple process. This code can be found online on various websites. Applicant can also directly contact to the bank for the same. Using correct IFSC Code is very essential in order to avoid any kind of troubles. The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow Kotak Credit Card bill payment via NEFT. Apart from the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.

Process to pay credit card bill using IFSC Code

Credit cardholders who do not have Kotak Bank saving account can pay their credit card bills through NEFT or IMPS using IFSC Code. Go through the below process to make the payment complete:

  • Log in to the Kotak Bank Netbanking with your Username and Password
  • Click on Funds Transfer/NEFT/IMPS
  • Register your credit card as a beneficiary
  • Make the payment using NEFT to the credit card

Enter the branch details that are listed below to make your payment complete

Payee Name- 4166xxxxxxxxxxxxxxxxxxx Customer Name

Bank: Kotak Bank

Branch: Main Branch Mumbai

IFSC Code: KKBK0000958

State: Maharashtra

City: Mumbai

Update Payee Account Number: 4166xxxxxxxxxxxxxxxxxxx (Provide your correct 16-digit Kotak Credit Card Number)

Kotak Credit Card App

Kotak - 811 & Mobile Banking is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Log in with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your Kotak NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Kotak Credit Card App and how to use it.

Benefits of Kotak Credit Card App

  • View all your credit card transactions
  • Get e-statement for all your credit card transaction
  • Get access to purchase to EMI facility
  • Get access to upgrade your credit card limit
  • Get access to report your lost credit card
  • Get an option to block your card in case of any fraudulent activity
  • Get access for card replacement request
  • Change your credit card pin, anytime anywhere
  • Get all Kotak Credit Card offers in the app
  • Manage your all accounts at one place
  • Get access to request for a loan
  • Get access to check your passbook
  • Transfer your fund from one bank to another more conveniently
  • Get notified for your credit card dues
  • Get notified for all your transactions
  • Get access to pay all your bills
  • Get 24x7 customer support
  • Check your credit card status
  • Get all personalized alerts and reminders
  • Stay updated with your reward points balance
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Pay your Insurance, DTH Bills, Mobile Bills and Utility Bills
  • Check the status of your applied check.
  • Now make your travel more friendly and book your flight, bus and hotels through online.
  • Get 100% online security on your card
  • Add or manage beneficiary as per you want.
  • With enhanced security of Fingerprint Id make your transaction more convenient and hassle-free
  • Send and receive money through NEFT, IMPS and RTGS & UPI
  • Shop at KayMall, Flipkart, book flights and hotel rooms via Goibibo and book train tickets via IRCTC and much more

Register and Download Kotak - 811 & Mobile Banking

Below are the steps to download and register yourself in Kotak - 811 & Mobile Banking

  • Go to Playstore or Appstore and search for Kotak - 811 & Mobile Banking
  • Tap on the install icon and download the app
  • Enter your credit card details and click on Confirm
  • Now you will receive an OTP on your registered mobile number, enter the OTP and click on Submit
  • Now you will see the successful message on the screen
  • Click on Login Now and explore Kotak - 811 & Mobile Banking app

Kotak Credit Card Reward Points

Shop more and Earn more, with Kotak Rewards Programme get more out of your money every time you shop. Kotak Reward Programme gives you a wide range of redemption options including jewellery, fashion accessories, garments, home appliances, electronic equipment, cosmetics and much more. Redeem the reward points for an exciting range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. Scroll down and get to know about Kotak Rewards Programme.

Rewards catalogue with Kotak Credit Cards

  • Spent a minimum of Rs 100 with a minimum retail purchase of Rs. 75,000 in one billing cycle and get 5x reward points with Kotak Mahindra Bank Silk Inspire Credit Card
  • Spent a minimum of Rs 100 on retail purchases with Kotak Mahindra Bank Urbane Gold Card and get 3x reward points
  • Spent a minimum of Rs 100 on grocery and departmental stores with Kotak Mahindra Bank Essentia Platinum Credit and get 10 saving points
  • Spent a minimum of Rs 1500 to a maximum of Rs 4000 on grocery and departmental stores with Kotak Mahindra Bank Essentia Platinum Credit and get 500 saving points per month
  • Spent a minimum of Rs 100 at Visa Merchant Outlets with Kotak Mahindra Bank Royale Signature Credit Card and get 15x reward points
  • Spent a minimum of Rs 100 at all other categories with Kotak Mahindra Bank Royale Signature Credit Card and get 5x reward points
  • Spent a minimum of Rs 150 on holidays, air tickets, international transactions and shopping with Kotak Mahindra League Platinum Credit Card and get 8x reward points
  • Spent a minimum of Rs 5000 or above on dining and movies with Kotak Mahindra Bank Feast Gold Card and get 10 dining points
  • Make a first transaction with Kotak Mahindra Bank Feast Gold Card on dining or movies and get 600 dining points
  • Spent a minimum of Rs 200 outside India with Kotak Mahindra Bank NRI Royale Signature Credit Card and get 2x reward points
  • Spent a minimum of Rs 200 across India with Kotak Mahindra Bank NRI Royale Signature Credit Card and get 1 reward points

Kotak Credit Card Pin Generation

Kotak Mahindra offers 4 different methods to generate m-PIN for Kotak Credit Card. Below are the steps by steps tutorial for the 4 different methods. Scroll down and know how to generate Kotak Credit Card Pin

Methods to generate Kotak Credit Card Pin

  • By calling Customer Care Service
  • Kotak Net Banking Facility
  • Kotak Phone Banking Facility
  • Kotak Mahindra Website

Kotak Credit Card Pin Generation by calling Customer Care

  • Call on 1860 266 2666
  • The IVR will respond and provide you with instructions to proceed
  • To continue with your native language, press the number that has been instructed
  • Press 3 for 'Credit Cards
  • If you are an existing Kotak credit cardholder, 'Press 1'
  • Enter your customer relationship number (CRN) or card number and T-PIN.
  • Now press 6 to generate your credit card PIN

Kotak Credit Card Pin Generation by Net Banking Facility

  • Go to the Kotak Mahindra Login Page
  • Enter your CRN / Customer ID and password to login
  • On the main menu, click on Credit Card tab.
  • From the drop-down menu select Change or Create 6-Digit Chip Credit Card / ATM PIN
  • Enter the required details and confirm to generate your 6-digit credit card PIN instantly

Kotak Credit Card Pin Generation by Kotak Phone Banking Facility

  • Open the app Kotak - 811 & Mobile Banking
  • From the main menu, select Credit Cards
  • From the drop-down menu, tap on Service Requests
  • From the list, choose Re-generate PIN
  • Enter your credit card details and click on Confirm
  • Now you have to choose a new PIN of your choice. Enter the same and confirm to set your credit card PIN

Kotak Credit Card Pin Generation by Kotak Mahindra Website

  • Go to the page www.kotak.com/en/transaction-services/generate-pin.html
  • Select Credit Card option, which is located on the main page
  • Enter your credit card details and click on Confirm
  • In the last two section enter a new 6-digit PIN of your choice, re-enter the same and click on Confirm

Kotak Credit Card Offer

Shop with your Kotak Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get advantage on the deals and online offers. Scroll down and get in touch with all the offers.

VISA Offer

  • Get complimentary access to Airport Lounges in India for built-in benefits such as gourmet meal, comfortable seating, widescreen TV'S and much more
  • Get access to unrestricted areas with your family members
  • Offer is valid till- 30 September 2020

Flipkart Offer

  • Shop at Flipkart with Kotak Credit Card and get Flipkart EMI Offer
  • Get EMI tenure of 3,6,9, 12, 18 & 24 months
  • Offer is valid till- 31 December 2020

Amazon Offer

  • Shop at Amazon with Kotak Credit Card and get Amazon EMI Offer
  • Get EMI tenure of 3,6,9, 12, 18 & 24 months
  • Offer is valid till- 31 December 2020

Kay Mall Flight Offer

  • Get Zero Convenience Fee on Flight Booking through KayMall
  • Offer is applicable only for Goibibo flight ticket booking on KayMall
  • Offer is valid till- 29 February 2020

Cross Border Offer

  • Get 5% Cashback up to Rs 5000 on international transactions made using Kotak Credit Cards 
  • Spend a minimum of Rs 25000 to avail the offer
  • Offer is valid till- 20 March 2020

Tata Cliq Offer

  • Spend a minimum of Rs 5000 at Tata Cliq website and get 10% discount up to Rs 1000
  • Voucher Code- GOKOTAK
  • Offer is valid till- 28 January 2020

KayMall IRCTC Offer

  • Get Zero Payment Gateway Charges on Train Ticket Booking through KayMall
  • Offer is applicable only for IRCTC train ticket booking on KayMall
  • Offer is valid till- 29 February 2020

Big Basket Offer

  • Spend a minimum of Rs 1500 across Big Basket and get 10% discount up to Rs 300
  • Voucher Code- KOTAKJAN1
  • Offer is valid till- 29 January 2020

Apple iPhones Offer

  • Purchase iPhone and pay every month in easy instalments
  • Get a minimum interest rate and no processing offer
  • Get EMI tenure of 6,9, 12, 18 & 24 months
  • Offer is valid till- 31 December 2020

PVR Offer

  • Buy 1 ticket & get 1 free for movie shows booked on www.pvrcinemas.com or PVR Mobile App.
  • Offer is valid only on Saturday
  • Offer is valid till- 25th January 2020

Airport Lounge Access

  • Get complimentary access to Airport Lounges across India with premium benefits such as gourmet meal, comfortable seating, widescreen TV'S and much more
  • Additionally, cardholders are also entitled to unrestricted (chargeable) access for himself /herself and for his/her loved ones
  • Apart from the complimentary benefits get Hot entrees for Breakfast, lunch, dinner, hot and cold snacks from buffet, tea and coffee & unlimited non-alcoholic drinks.
  • Offer is valid till- 30th September 2020

Go Ibibo Offer

  • Spend a minimum of Rs 3000 on Go Ibibo and get 12% off
  • Get a maximum discount of Rs 1200 per transaction
  • Offer is valid only on Friday
  • Voucher Code- GOKOTAK
  • Offer is valid till- 31st January 2020

The Mobile Store Offer

  • Buy mobile from the store and get easy instalments at minimum interest and no processing fee
  • Get flexible tenures of 3,6 and 9 months
  • Offer is valid till- 31st December 2020

Swiggy

  • Spend a minimum of Rs 500 on Swiggy and get 20% cashback
  • Get a maximum discount of Rs 125
  • Offer is valid on every Thursday
  • Voucher Code- KOTAK125
  • Offer is valid till- 30th January 2020

Insurance Offer

  • Pay your insurance premium with Kotak Credit Card and get 10x reward points
  • Offer is valid for a minimum payment of Rs 5000
  • Get maximum reward points of 5000 during the offer period
  • Offer is valid till- 31st March 2020

Myntra Offer

  • Spend a minimum of Rs 3000 on Myntra and get 10% cashback
  • Get a maximum discount of Rs 500
  • Offer is valid on every Friday
  • Offer is valid till- 29th January 2020

Titan Offer

  • Get a discount of 15% on Titan watches
  • Promo Code- TITANVISA
  • Offer is valid till- 31st March 2020

YATRA Offer

  • Get No Cost EMI and Instant discount on flight and holidays booking through Yatra
  • Spend a minimum of Rs 5000 on domestic flight booking and get 5% discount up to Rs 1000
  • Spend a minimum of Rs 20,000 on international flight booking and get 5% discount up to Rs 5000
  • Spend a minimum of Rs 20,000 on Holidays(Domestic and International) and get 5% discount up to Rs 5000
  • Offer is valid on EMI transactions only
  • Promo Code- KOTAKEMI
  • Offer is valid till- 24th January 2020

Pepperfry Offer

  • Spend a minimum of Rs 6000 at Pepperfry and get 10% off up to Rs 1000
  • Promo Code- KOTAKPF10
  • Offer is valid till- 26th January 2020

Reliance Digital Offer

  • Spend a minimum of Rs 15000 and get 5% cashback up to Rs 2000
  • Offer is valid on both, EMI and Non-EMI retail transactions
  • Offer is valid till- 27th January 2020

Lemon Tree Offer

  • Get 25% Off on best available rates and additional benefits at Lemon Tree Hotels with Kotak Credit Card.
  • Promo Code- LTH-GOALS101
  • Get 500 meal against Lunch/Dinner during the stay.
  • Get 1000 bonus points is only for Lemon Tree Smiles members for bookings on lemontreehotels.com only.
  • Offer is valid till- 31st March 2020

Zee5 Offer

  • Get 40%* Off on Zee5 subscription with Kotak Credit Cards.
  • Promo Code- KOTZEE40
  • Offer is valid till- 30th April 2020

Xplorabox Offer

  • Log on to Xplorabox and get up to 52% off on deals from world-class brands.
  • Avail the offer through the exclusive link only created for Kotak customers
  • Offer is valid till- 31st March 2020

Multifit Gym Offer

  • Visit your nearest Multigym and get special privilege or exclusive discount up to 60%
  • Offer is valid till- 31st March 2020
  • Offer is valid for 3 days to post presenting the card or voucher and post 3 days free trial

Recharge and Bill Payment Offer

  • Spend a minimum of Rs 199 on your bill payments or recharge and get a voucher worth of Rs 100
  • Offer is valid for selected Kotak 811 customers only.
  • Offer is valid till- 31st January 2020

DocsApp Offer

  • Get 70% off on DocsApp Silver and Rs 300 off on DocsApp Gold
  • Coupon Code- KOTAKDOCS
  • Offer is valid till- 30th July 2020

Flipkart Republic Day Sale

  • Spend a minimum of Rs 4999 at Flipkart and get 10% discount up to Rs 1500 during the offer period
  • Offer valid period- 19-January 2020 to 22-January-2020
  • Offer is valid on Kotak Credit Card Merchant EMI transactions

Nestaway Offer

  • Book a house on Nestaway and get Rs 1000 off on your rent
  • Offer is valid only for the first 250 online bookings
  • Offer is valid till- 29th February 2020

Coolwinks Offer

  • Buy sunglasses or eyeglasses from Coolwinks and get 60% off up to Rs 2000
  • Coupon Code- CWKOTAK60
  • Offer is valid till- 31st March 2020

Eazy Diner Offer

  • Spend a minimum of Rs 400 and get Rs 150 off
  • Offer is valid till- 31st July 2020

3M Car Care

  • Get 15% Discount on detailing services 
  • Offer can be used multiple times per user
  • Offer is valid till- 31st March 2020

BookMyShow Offer

  • Book movie tickets and pay with easy installments at a minimum interest rate and no processing fee
  • Offer is valid till- 31 December 2020
  • Get EMI tenure of 3,6,9 and 12 months.

OYO Offer

  • Book your stay and get 30% off
  • Coupon Code- VISAOYO
  • Offer is valid till- 31 March 2020

SONY Offer

  • Purchase SONY products and pay with easy installments at a minimum interest rate and no processing fee
  • Offer is valid till- 31 December 2020
  • Get EMI tenure of 6 and 12 months.

Joyalukkas Offer

  • Spend a minimum of Rs 50,000 on Diamond jewellery and get 20% off on Gold Making Charges and Rs. 3,000 off on Diamond Jewellery only with your Visa card.
  • Offer is valid till- 30 September 2020

PAYTM Offer

  • Purchase any product through Paytm and pay with easy installments at a minimum interest rate and no processing fee
  • Offer is valid till- 31 December 2020
  • Get EMI tenure of 3,6,9 and 12 months.

Flipkart Republic Day Sale

  • Spend a minimum of Rs 4999 and get 10% off up to Rs 1500
  • Offer is valid till- 22 January 2020
  • Offer is valid on Kotak Credit Cards, Kotak Debit Cards and EMI transactions only

Myntra Offer

  • Spend a minimum of Rs 1799 and get Rs 500 off
  • Promo Code- MYNTRALB500
  • Offer is valid till- 31 March 2020

Reliance Digital Offer

  • Purchase any product and pay with easy installments at a minimum interest rate and no processing fee
  • Offer is valid till- 31 December 2020
  • Get EMI tenure of 3,6,9 and 12 months.

Zoomcar

  • Get 20% off up to Rs 1500 at Zoomcar
  • Offer is valid till- 31 March 2020
  • Coupon Code- ALINVISA

Kotak Credit Card Customer Care

Call on the below-given toll-free number to solve your any credit card related query.

Within India- 1860 266 2666

Applicants residing outside India: +91 22 6600 6022

Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:

care@kotak.com 

FAQs

Q: What are the different types of credit cards offered by Kotak Mahindra Bank?

A: Kotak Mahindra bank provides credit card under various categories which are as mentioned below:

  • Reward Credit Cards: Royale Signature Credit Card, Urbane Gold Credit Card, League Platinum Card.
  • Entertainment Credit Cards: PVR Platinum Credit Card, PVR Gold Credit Card, Aqua Gold Credit Card.
  • Dining Credit Card: Kotak Delight Platinum Credit Card.
  • Shopping Credit Cards: Kotak Essential Platinum Credit Card, Solaris Platinum Credit Card, Silk Inspire Credit Card.
  • NRI Credit Cards: NRI Royale Signature Credit Card
  • Corporate Credit Cards: Kotak Corporate Wealth Signature Credit Card, Platinum Credit Card, Gold Credit Card.
  • Premium Credit Cards: Kotak Privy League Signature Credit Card, Wealth Management Infinite Credit Card, Fortune Gold Card, Best Price Card.

Q: What are the charges for a credit card over limit transactions?

A: If your transactions crosses 100% of your credit limit, you will be charged a flat over limit fee of Rs. 500 in each billing cycle that you are over the limit.

Q: Can I use my credit card for a free cash transaction?

A: No, the interest-free period is limited only to the retail transactions and does not include cash transactions. You have to pay interest for a cash transaction. The interest starts accruing from the date of cash withdrawal.

Q: What are the features of Kotak Mahindra Bank credit card?

A: The following are the features of Kotak Mahindra Bank Credit Card:

EMI conversion for shopping: Whether you're buying a new smartphone or getting flight tickets by using your credit card, you can turn any purchase above Rs.2,500 into monthly instalments for easy repayment. You also get great interest rates when you choose this scheme.

Online Balance Transfer: Transfer the outstanding balance on other credit cards to your Kotak card to manage your debt easily. You will also enjoy a 90-day -free-interest period.

For cash withdrawals: With this option, you can access cash whenever you want, wherever you want. There's cash available at ATMs, branches, by transferring funds online or requesting for a demand draft.

Kotak Visa Bill Pay for online bill payments: Never miss a due date with Kotak's bill payment option. All you have to do is use your Kotak credit card with Visa. This is a free service.

Q: Can I get a loan on My Kotak Mahindra Bank Credit Card?

A: Yes, the Kotak Mahindra bank will provide a personal loan on your credit card when you need finances immediately. The maximum loan amount you can get is Rs.5 lakh with attractive interest rates. You can also choose tenures from 6 months to 48 months. The amount will be instantly transferred to your Kotak account or any other savings account.

Q: How to earn reward points on my Kotak Mahindra bank credit card?

A: You can get reward points by using any Kotak Mahindra bank credit card. Listed below are some rewards redemption methods you can consider:

  • Pay with reward points: you can use your points at participating merchant outlets. Instead of paying for your purchases with cash or card.
  • Redeem for merchandise: Your points can be redeemed for branded merchandise, movie tickets, airline tickets, air miles, cash and even on mobile recharges.
  • Redeem for vouchers: You can also redeem your points for air ticket vouchers. However, the voucher is only valid for six months.

Q: What are the preferred credit cards for shopping?

A: Some of the Kotak Mahindra Bank Credit Cards that are ideal for the purpose of shopping they include Essential Platinum credit card, League Platinum credit card, Urbane Gold credit card, Silk Inspire credit card and Solaris Platinum credit card.

Q: Which credit card is best suitable for women?

A: Kotak Silk Inspire Platinum credit card is designed specifically for women and is meant for shopping or travel purpose. Women can avail reward points and benefits on this credit card.

Q: What is CVV2 on Kotak Credit Card?

A: The CVV2, which you see on your Kotak credit card, offers a layer of enhanced security to your transactions. Actually, it is a 3-digit number printed on the back of the card. And don’t be under the impression that CVV2 and pin number are the same. They are different and so you can’t enter the pin number when you are asked to mention CVV2.

Q: What are the Balance Transfer charges on Kotak Mahindra bank credit card?

A: 1. Manage your debt easily by transferring your outstanding balances to your Kotak card. A balance transfer is not available on credit cards that are less than six months old. You will be charged a processing fee of Rs.349 for every Rs.10,000 if you transfer from your card. GST is also applicable to this transaction.

2. For Beginners, you can transfer a minimum of Rs.2,500 or a maximum of 75% of your credit limit. You will also enjoy a 90-day interest-free period.Hsbc Credit Card Customer Care Number

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