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.
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.
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.
Kotak Mahindra Bank understands the variety of the desires of our customers. Therefore Kotak Bank provides a variety of credit cards focusing on your shopping attitudes. The credit card rewards are classified based around your interests such as movies, shopping, complimentary lounge access, travelling, dining and more. Make a purchase on your go with Kotak Credit Card and get amazing reward points for every transaction. Explore the wide range of Kotak credit cards, and compare them to find your ideal spending partner. With Kotak Credit Card you can even do more such as:
Online Fund Transfer: Get an interest-free credit period of 90 days and also get an option to transfer the outstanding balance from other credit cards to your Kotak Credit Card to conveniently manage your debt.
Easy Cash Withdrawals: With this facility, you can withdraw cash anytime anywhere. You can access this cash at nearest ATMs, branches, by requesting for a demand draft or transferring funds online.
Bill Payments: With the bill payment option provided by Kotak never miss the due date of your bill payment. You can pay for your utility bills, credit card bills and more from your Kotak VISA Credit Card.
Reward Points: For any payment made with credit cards, you will receive loyalty points. The accumulated reward points can be redeemed against tons of products and categories.
Increase your credit rating: Paying the outstanding of your Kotak Credit Card allows you to enhance your credit rating. Having a good credit score helps you to avail a loan at an affordable interest rate.
Cashback and Offers: You can also receive amazing cash-backs on select purchases when making purchases with Kotak credit cards. Many merchants also offer amazing deals and discounts for making a purchase through Kotak Credit Card.
Flyer Miles: As a Kotak Credit Cardholder you can enjoy flyer miles any time you buy a flight ticket. You can redeem the accumulated flyer miles to book another flight ticket.
Global Acceptance: Kotak credit card is internationally accepted as a reliable means of payment throughout the globe.
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
• First Name
• Email ID
• Mobile No
• 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.
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.
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
• Ration Card
• Electricity Bill
• Landline telephone bill
Identity Proof (Any one of the following)
• Election Voters ID Card
• Driving License
• PAN Card
• Aadhaar Card
Existing and new users of Kotak Credit Card, please follow the below-given steps for sign in to the Kotak Credit Card net banking platform.
How to Register
How to Login
The cardholder can make payments for the credit card in any of the following listed methods.
Apart from credit card payments, you can utilize the Kotak mobile app to get past statements, request for a balance transfer, convert transactions to EMIs etc. Follow the below-given steps to pay your credit card bill via Kotak Mobile App.
Pay your Kotak credit card bills with your VISA debit card. You will need to sign your Kotak card for VISA credit card payment through the net banking portal at your bank to use this facility. Once it is registered you can initiate the payments whenever you want.
Presently, you can use your non-Kotak bank account or debit card to pay your Kotak Mahindra Bank credit card bill. By using your non-Kotak account you can transfer funds against your credit card bill via NEFT (National Electronic Funds Transfer) or IMPS (Immediate Payment Service) facility.
Kotak Mahindra Bank helps its credit cardholders to make purchases in a number of trouble-free ways. Kotak Mahindra Bank Credit Card Holders may make their payment online and offline. Most of the credit card payment options provided by the bank are free of charge, except payment by cash at the Kotak Branch. You can also use your non-Kotak account net banking facility to transfer funds to your Kotak credit card bill through the NEFT (National Electronic Funds Transfer) or IMPS (Immediate Payment Service) service.
Process to make Kotak Credit Card Payment via NEFT
Enter the following details to make the payment
Using a credit card from the participating bank, you can use the Kotak Mahindra Bank mobile banking app to pay your credit card bills. After logging in to your Kotak Mobile App account a list of participating banks will appear. In case you don't have Kotak Mobile App you can download the app from Playstore or IOS Store. To trigger Kotak Credit Card payment via IMPS please follow the below-given instructions.
By paying your Kotak Credit Card bill through Paytm you don't have to worry about forgetting the due date. Paytm's convenient and simple Credit Card Bill Payment gateway enables you to trigger your bill payment from anywhere anytime so that you can never miss your due date. Follow the below given simple steps and complete the payment for your credit card bill instantly.
Kotak Bank offers several offline options to pay the dues of your credit card, which are:
You can pay credit card bills with the help of your mobile. Choose the offline phone banking facility and go through the below given process to make the payment complete. Get in touch with the Kotak Customer Service at 1860 266 2666. Then select the banking option from the menu and raise a request to the customer care executive to transfer the bill amount from your savings account to your Kotak card account.
If it is difficult for you to remember the due date of your credit card bill payment then you can allow the auto debit service for the same. Every month the approved amount will debited from your bank account and sent to your credit card. You'll have to download the Auto Debit Authorization Form from Kotak Mahindra Bank's official website to enroll for this service. Fill out the form with complete details and send it via mail to:
Manager - Customer Correspondence Centre, Kotak Mahindra Bank, Attn: Customer Correspondence Unit - Credit Cards, 3rd Floor, Akruti SMC Centre, Khopat, Next to ST Stand, Thane (W) - 400601.
Or else you can submit the form by visiting the nearest bank branch.
If you are not comfortable depositing money, with a cheque, you can also pay your dues. Submit the cheque to Kotak Mahindra Bank Card A / C which contains the 16-digit number of your Kotak credit card. The cheque can also be dropped in a drop box at the ATM or either of the branches of Kotak Mahindra Bank. The list of branches can be found on the official Kotak site or by sending an SMS 'K DROPBOX < 6-Digit PIN Code >' and send it to 5676788.
By visiting the branch
Visit your nearest branch of Kotak Mahindra Bank, and deposit the bill amount at the cash counter. To get the list of Kotak Mahindra branch you can visit the official site of Kotak Mahindra bank. You may also send an SMS 'K Branch < 6-digit PIN Code>' and send it to 9971056767 or 5676788.
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
Kotak Credit Card Bill Payment via Bill Desk
Get a personal loan on your Kotak Credit Card and enjoy instant cash with affordable interest rates and zero documentation. Avoid stress and burden of your daily life requirements, with Kotak you can instantly get a personal loan on your credit card and use the cash to meet your needs.
Customers who have had a good record of their credit card spending, successful transaction patterns, payment records with Kotak are eligible for Personal Loan on Credit Card.
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.
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.
There are many other methods to track your credit card application status which are listed below.
Interact with chatbot Keya: Keya chatbot can be accessed on the official website of Kotak Bank. You can ask Keya to know the status of application status and even you can chat to get other related information of your Kotak Credit Card.
Mobile Banking: For information regarding your application, please call 1860 266 2666. If you are a customer of the Kotak 811, please call 1860 266 0811.
Write to the bank: For more details regarding your credit card application, you can write to the Kotak Bank.
Visit your nearest branch: You can also visit your nearest Kotak Mahindra Branch to know the status your Kotak Credit Card application.
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.
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.
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.
New user can go through below given online and offline process for the registration 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
Applicants can download credit card statement of last 5 transactions through the below-given process
Via Mobile Banking
Track your credit card transactions with Kotak Credit Card SMS services. To get instant updates via your registered mobile number SMS the below listed short codes to 5676788, 997 105 6767 or 9212738927 from your registered mobile.
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
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:
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
Update Payee Account Number: 4166xxxxxxxxxxxxxxxxxxx (Provide your correct 16-digit Kotak Credit Card Number)
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
Register and Download Kotak - 811 & Mobile Banking
Below are the steps to download and register yourself in Kotak - 811 & Mobile Banking
The Kotak Mobile Banking application uses the encrypted HTTPS protocol to interact between the mobile user and the server. This implies that all of your transactions are authenticated and safe. Two-factor authentication is used by the Kotak Mobile Banking App. Two-factor authentication is a safety framework that enables two forms of encryption credentials and is intended to include an enhanced validation layer to reduce online threats and fraudulent activities.
For the performance of a transaction, Kotak Mobile Banking App needs a login password (MPIN). You will also receive an activation code on your mobile number when you download the app and register it on your device. You can not enable the application on your smartphone without this code. For the mobile user's who interact with mobile servers, Kotak's mobile banking platform uses a secure HTTPS protocol. The Secure HyperText Transfer Protocol (HTTPS) utilizes HTTP which always enables Web server security as the SSL. The users' and the (host) web-server communications are always encrypted. This is an enhanced secured transaction system where all information related to the application that is stored in the device is encrypted.
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
Kotak rewards program has a broad variety of choices from which the customer can select the item they want. The reward points need to be converted to Easy Points for Redeem against Air tickets / Merchandise / Mobile recharge. The conversion ratio for the different types of Kotak Credit Card are listed below:
There are several things, vouchers, or movie tickets that you can redeem by using your Kotak Bank credit card reward points. Take the measures below to redeem the Reward Points:
Note: Kotak rewards program has a broad variety of choices from which the customer can select the product they want. The various products on the page include Electronics, Arrow gift vouchers, etc.
Kotak Bank customers enjoy multiple advantages like the facility to convert their reward points to cash credit. To transform the points of reward into cash follow the below-given steps:
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
Now with Net Banking, from the convenience of your home or workplace, you will enjoy an easy way to Pay. Explore a one-stop solution with Kotak Net Banking services to fit all your banking needs 24x7. It is the most secure and convenient way to manage all your accounts. Apart from this, you can also generate online password and unlock your user-id instantly just with simple steps.
Regenerate or Activate your Net Banking password through the below-given steps:
Steps to Generate/Regenerate Kotak Net Banking Password for NRI
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 an advantage on the deals and online offers. Scroll down and get in touch with all the offers.
Apple iPhones Offer
Airport Lounge Access
The Mobile Store Offer
Eazy Diner Offer
Reliance Digital Offer
VISA Transit Hotels
VISA Airport Transfer
VISA Sleeping Pods/Nap Rooms
VISA Meet and Greet
Craft Cafe Offer
Ajishin Japanese Restaurant
Kai Li Restaurant
Kaung Kaung Malar Shan Kaw
Little Sheep Hot Pot
Hana Yakiniku Offer
Four Seasons Hotpot
Edge Fine Indian Dining
Eagle Bar and Restaurant
The Hotel Emperor Inle
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:
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:
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:
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