Home  »  Banking  »  Credit Cards  »  Kotak Credit Cards
Kotak

Kotak
Credit Cards

Select Bank

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.

Why choose Kotak Bank Credit 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. 

Kotak One Assist

Using Kotak credit card services, protect your credit card and other details stored on your mobile and wallet against fraud. Your mobile phone and wallet are one of the most essential belongings. Now you can protect them from stealing with One Assist service provided by Kotak Mahindra Bank.

Key features

  • Just open your mobile and make a call to block your lost credit cards from anywhere in the world.
  • Get free replacement in case of lost of PAN Card and Driving License.
  • Get lost card cover up to Rs 2,50,000 on 30 days prior to reporting
  • With lost card fraud cover get complete protection after reporting your loss
  • The lost card cover includes all types of fraudulent activities such as skimming, phishing, counterfeit cards and ATM/POS frauds. 
  • With One Assist service you can block the SIM card of your lost mobile phone.
  • Get accidental and liquid damage cover for your handset up to 2 years
  • Get domestic hotel bill settlement and assistance on return booking up to Rs 80,000 and Rs 1,60,000 for overseas.
  • Get up to Rs 25,000 emergency cash assistance service across India.
  • With DocuSafe get 1gb free cloud storage to store your essential documents and paperworks.

Steps to apply for OneAssist

Call One Assist on 08080 333 333 or type '1AKOTAK' and send it to 5676788

OTP Generation

Generate an OTP every time you make a transaction on your mobile in order to secure your transaction. You need to enter an additional password every time you make a payment or service on your phone to ensure your transaction more secure. Kotak Credit Card enables you to initiate online transactions more securely without leaving your comfort through OTP for authentication purpose. 

Know more about One Time Password

  • No need to remember your password for every online transaction. Each time you opt for OTP during online purchase, you will get it on your registered mobile number or email.
  • In case you do not receive OTP on 1st or 2nd attempts, it will be sent to your registered email or mobile number for a maximum of 5 times.
  • Your credit card will automatically get blocked and all your credit card transactions will be rejected for the next 24 hours when you enter a wrong OTP more than 3 times for a transaction. By getting in touch with the customer care service, you can unblock your card. 

Process to generate

  • Type “KOTP XXXX” (last four digits of Kotak Credit Card number) and send it to 5676798 or 9212738927 from your registered mobile number before initiating your transaction.
  • After that, you will get a numeric password on your registered mobile number.
  • Contact the merchant from which you want to purchase the product or service.
  • Now enter your credit card details and the numeric password
  • Now proceed with the (IVR) transaction and you are done.

Outstanding to EMI

Kotak credit card services allow you to convert your credit card dues into easy EMI options with minimum interest rates. Experience hassle-free shopping through easy EMIs by using your Kotak Bank Credit Card. 

Key benefits:

  • Convert your credit card outstanding balance into easy EMIs, except gold transactions.
  • Get minimum interest rates on converting your credit card dues into easy EMIs.
  • By logging into your net banking or by sending SMS to 5676788 you can apply or know more about balance EMI schemes.

Process to convert outstanding to EMI

  • Login to your Kotak net banking account using the login credentials.
  • Now click on the Net Banking’ option and enter your CRN number in the User ID field
  • Now enter your password or click on ‘Get Net Banking Password Online’ to generate a new password.
  • Now click on the  ‘Credit Card’ tab and select the ‘Outstanding to EMI’ option under Convert to EMI.

Via offline

SMS <BALEMI> to 5676788

Or call the customer care center at 1860 266 2666 

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 Mahindra Bank Virtual Credit Card

Kotak Mahindra offers Kotak Netc@rd for net banking users and it can be used to make online transactions across all merchant website which accepts VISA cards. A virtual credit card (VCC) is a card that is created digitally and has no physical meaning. One of the most loved benefits of this card is you do need to carry the physical card with you, just with a virtual card you can secure your physical credit card during an online purchase. 

Key benefits of Kotak Netc@rd

The Kotak Netc@rd 's unique characteristics and massive benefits are described below. It is a one-time usable virtual credit card for initiating an online purchase. 

  • Unique payment services that provide enhanced security during online shopping
  • The validity period of Kotak Netc@rd is 48 hours and can not be used again after a successful transaction
  • The card can be used across any online shopping site that accepts VISA Card
  • No fees required to avail Kotak Netc@rd
  • Following the transaction, the outstanding amount on the virtual card is transferred back to your existing account instantly
  • Kodak Netc@rd can be generated via Kotak Net Banking

Eligibility required for Kotak Virtual Credit Card

Kotak Mahindra Bank has set the mentioned eligibility criteria to make the service accessible to the majority of people and to offer the convenience of having a virtual credit card.

  • The applicant must be an Indian resident or Foreign National
  • The applicant must have registered with the net banking service
  • The individual must have a current or savings account with the bank
  • The individual must be an active Kotak Mahindra Bank Credit Cardholder

Fees and charges of Kotak NetC@rd

Kotak bank has set a minimum and maximum limit for card generation which varies from time to time. The minimum cap is Rs.100 and the maximum cap is Rs.50,000 per day, depending on the number of cards initiated. Currently, the facility is completely cost-free.

Process to generate Kotak NetC@rd

By utilizing net banking the card can be generated easily. By following the following steps you can generate a Kotak NetC@rd

  • Visit the Kotak Mahindra Bank website and login to your net banking account by using the login credentials
  • Now click on the ‘Netc@rd’ menu to proceed further
  • Now an OTP will be generated on your registered mobile number
  • Enter the OTP on the required field and opt the account from which you are willing to withdraw funds in order to generate Netc@rd.
  • Now click on ‘Ok’ to confirm and once the verification is done you can use your Kotak NetC@rd for online shopping

Kotak Add-on Credit Cards

This would not be unfair to suggest that credit cards have utterly revolutionised the way of spending for the individuals of India. This financial product has had a huge influence on the financial environment and is extensively used globally. Credit cards have probably had the most important effect on the economy since their arrival in the 1950s. These charming plastic cards have altered the economy. Customers today tend to pay for the same by cards, either debit or credit, by paying for any goods / service via cash, while credit cards are more widely adopted. The explanation of why credit cards are essential is many.

This financial instrument is chosen mostly for the ease it provides as it is approved on every merchant platforms online as well as offline. In addition, using credit cards will lead to various rewards and advantages such as loyalty points, AirMiles and so on that can be redeemed from a list for cheaper air tickets, etc. Consequently, cardholders can also benefit from shopping and dining offers by using their credit card. Presently, almost all the banks and other financial institutions offer credit cards to individuals. There are a variety of various credit card forms that are structured on the benefits and services they offer. 

How to increase Kotak credit card eligibility

If you feel that you do not meet the eligibility criteria set by the bank to apply for a credit card or if your credit card application has been rejected, there are many ways to improve your credit card eligibility. Here are some of the ways to improve your credit card eligibility:

Improve Your Credit Score: You can improve your credit card/loan eligibility by increasing your credit score. Lenders place a lot of importance on your credit score. 
If your credit rating is low, consider closing your existing loans, paying your bills on time, or paying off your credit card balance. When you make healthy financial changes, your credit score will improve. After you close a line of credit, check your credit score after a month for the updated score. Apply for a credit card after increasing your credit score.

Don't default on your payments: When your credit card application is being processed, make sure you pay all of your bills on time. Your credit card provider will be able to see if you default on your payments and might reject your request if you are not a quick payer.

Say No to Multiple Credit Card Applications: As mentioned earlier, avoid making multiple serious requests while you have submitted a credit card application to a bank. It will make you look like a desperate borrower.

Key Benefits of Kotak Credit Cards 

Using Kotak credit cards you can get unique exposure to a variety of perks. Reward points, cashback, fuel surcharge waivers, complimentary movie tickets and access to the airport lounges. Kotak also crafted certain cards to match your lifestyle and taste. So let’s explore the key benefits of Kotak Bank Credit Cards based on different categories.

Kotak Reward Credit Cards

Explore the best reward credit cards offered by Kotak with different perks and benefits.

Kotak Royale Signature Credit Card

  • Joining fee: NIL
  • Annual fee: Rs.999
  • For a minimum spend of Rs.Rs.8 lakh and above per year get 30,000 bonus reward points under the Milestone Program
  • Get complimentary access to airport lounges across India
  • Earn up to 4x reward points for every Rs.150 and 2x reward points on other categories
  • Get Rs.2.5 lakh protection cover in event of theft of credit cards
  • Get fuel surcharge waiver for a minimum transaction of Rs. 500 up to Rs. 3,000

Kotak Urbane Gold Credit Card

  • Joining fee: NIL
  • Annual fee: Rs.199
  • Spend Rs.100 on retail transactions and earn 3x reward points
  • Get four free PVR tickets or 1,000 reward points for spending a minimum of Rs.1 lakh per annum
  • Get insurance up to Rs. 50,000 in case of card fraudulent activities
  • Get complimentary add-on facility
  • Redemption is allowed for a minimum accumulated reward point of 1,000 (1,000 points = Rs.75).

Kotak League Platinum Credit Card

  • Get 8x reward points for every spend of Rs.150
  • Earn 10,000 reward points or four free PVR movie tickets on spending of Rs.1.25 lakh every six months
  • Get amazing fuel and railway surcharge waivers
  • Get Rs.500 movie voucher as a welcome gift

Entertainment Credit Cards

Kotak PVR Platinum Credit Card

  • Get two complimentary PVR movie tickets on spend of Rs.10,000 or more in a month
  • Get up to 24 free PVR movie tickets and save up to Rs.9,600 per annum
  • No joining fee is required to avail this card
  • Insurance compensation, including PVR Shield, up to Rs.75,000 against lost or stolen cards.

Kotak PVR Gold Credit Card

  • Spend more than Rs.10,000 on a month and get one PVR ticket for free and two PVR tickets on spend of Rs.15,000 or above in a month
  • Save your expenses by up to 5 per cent per year
  • Get 24 free PVR tickets worth Rs.9,600 per annum

Kotak Credit Card Login

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

  • 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

Convert to EMI

Spend through Kotak Credit Card and convert all your purchases into EMIs. Take advantage of this facility for tenures ranging from 3-48 months. Enhance your banking and shopping experience like never before and start paying with easy EMIs through your Kotak Credit Card. 

Key features

  • Convert any purchase to EMI such as buying mobile, booking travel tickets, and more.
  • Spend a minimum of Rs 2500 for making a purchase and convert that transaction into EMIs.
  • This feature is available for all purchases except purchasing gold.
  • Experience flexible tenure of 3 to 48 months
  • To know more and apply for EMI schemes, just log in to your net banking account, or SMS and send it to 5676788. 

Process to avail

You can avail EMI, by following the below given steps.

1. Through net banking

  • Visit www.kotak.com and log in to your net banking account
  • Now click on the ‘Net Banking’ option and enter CRN in User ID
  • Now enter your password or click on  "Get Net Banking Password Online" to generate a new password.
  • Now go to the credit card section and choose Convert to EMI option.

2. Through Mobile Banking

  • Open the Kotak Mobile Banking application and log in to your account by entering your CRN &MPIN.
  • Now tap on ‘Credit Card’ tab and select ‘Convert to EMI’ option.

3. Through SMS and Customer Care Service

SMS < EMI > and send it to 5676788 from your registered mobile number.

Get in touch with the customer care service by dialling 1860 266 2666 (local call rates apply)

Kotak Credit Card Instant EMI

Now convert your online or in-store purchases into instant EMI using your Kotak Credit Card. Just swipe your card at any store and checkout instantly for your purchase, 

Key benefits of Kotak Credit Card Instant EMI

  • No Cost EMI: No need to pay extra on top brands
  • Instant EMI is available over 250+ brands
  • No processing fees required for converting into instant EMI
  • Affordable interest rate starting from 12% p.a. for 3 & 6 month EMI option, 14% p.a. for 9 & 12 month EMI option, 15% p.a. for 18, 20 & 24 month EMI option, 16% p.a for 30 month EMI option and 18% for 36 month EMI option.
  • Interest will be charged on a reducing basis
  • Instant EMI is available without documentation, just swipe your card and convert into EMI 
  • Flexible tenure from 3 to 36 month EMI option
  • No down payment required for converting into instant EMI
  • Save on higher credit card interest rate

How to avail Instant EMI on your Kotak Credit Card?

Before swiping your card you can request for the transaction to be converted into easy EMIs. If your account has sufficient balance, the transaction will be initiated instantly and will be automatically converted into EMI instantly. The transaction that has been converted into EMI will reflect in the monthly credit card statement.

Steps to convert in-store purchases into EMIs

Shop > Billing counter > Choose EMI option > Swipe your card > Convert

Steps to convert online purchases into EMIs

Add product to the cart > Visit Payment Page >Select EMI option > Convert 

VISA payWave

Presenting Visa payWave the newest development in contactless card payment. PayWave cards have an added contactless chip (apart from the EMV chip used to insert the card into the payment device). This card enables you to save your time at the cash counter and helps you to experience payment interface with an added security. In India, you can pay for purchases up to Rs. 2000 easily by waving your payWave card in front of a payment terminal. You don’t even need to enter your card details such as PIN, card number or any. payWave cards are just as secure as any chip card. A payWave card also has multi-level security, which means you are completely secured from any type of card fraudulent activities or online frauds. 

Note: Please be aware that the PIN entry requirement at the merchant outlet on the POS terminal is a feature of country-specific legislation and is liable to change. PIN input for transactions below the authorized local limit is not obligatory. RBI mandates the legal transaction limit for the use of credit cards in the contactless form in India and may vary from time to time depending on the current guidelines. PIN entry is not needed on the POS terminal at the merchant outlet for contactless transactions up to a maximum amount of Rs. 2,000 per transaction according to the RBI notification on Additional Factor authentication for contactless transactions dated May 14, 2015. Consequently, the card must be processed in Chip & PIN mode above this purchase cap (above Rs. 2,000), and authentication with PIN is compulsory. 

How does it work?

  • Purchase your product and look for the payWave logo on the payment terminal.
  • Wave your card near the payment terminal.
  • Once the green light blinks, collect the receipt and go.

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 Payment via Mobile Banking

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. 

  • Go to the preferred app store of your mobile and search for 'Kotak Mobile App'
  • Now tap on the install icon to download the app.
  • Once the app is downloaded create an account to generate user id and password
  • Now log in to your account by using the credentials and tap on the 'Credit Card' option under the homepage.
  • Now tap on 'CC Payments' under the same option and follow the further instructions to complete the payment.

Kotak Credit Card VISA Payment

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. 

Kotak Credit Card Payment Through Debit Card

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 Credit Card Payment by NEFT 

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

  • Log onto your non-Kotak Bank Net Banking website with your net banking Id and Password
  • Select NEFT/IMPS, located under “Fund Transfers” option
  • Now add your credit card as a payee under NEFT and select “Add a beneficiary” option

Enter the following details to make the payment

  • In the payee name row, enter- 4166xxxxxxxxxxxxxxxxxxx Customer Name
  • Bank Address- Main Branch Mumbai
  • Select Location City: Mumbai
  • Select the destination bank- Kotak Bank
  • IFSC Code: KKBK0000958
  • Update Payee Account Number - 4166xxxxxxxxxxxxxxxxxxx (Provide your correct 16-digit Kotak Credit Card Number)
  • It will take a duration of 30 mins to a maximum of 3 working days for a successful payment.

Kotak Credit Card Payment IMPS

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.

  • Open the Kotak Mobile App and log in by using the MPIN
  • Now select the "Banking" option and you will be redirected to the IMPS transfers page.
  • Now on the same page select “IMPS” and “Merchant Payment”
  • Now under the source account, enter the bank account details from which you want to debit the amount.
  • Now enter 9833336633 as merchant mobile number, to pay the bill of your Kotak Credit Card.
  • Now enter 9485633 as Mobile Money Identifier (MMID) and enter the bill amount.
  • Now enter your Kotak credit card number, under the "Payment Reference Number" option and tap on "Go"
  • Once the payment is successful you will see the confirmation message on your mobile screen and also you will get the transaction details via SMS on your registered mobile number. 
  • The amount will be credited from your Kotak Credit Card account within a time limit of 24 hours. 

Kotak Credit Card Payment Through Paytm

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.

  • Go to the Paytm web or open the Paytm app on your mobile
  • Now go to the "Credit Card Bill Payment" page and click or tap on 'Kotak Mahindra Bank Bill Payment'
  • Now enter your Kotak Credit Card number and click on 'Proceed'
  • Now enter the bill amount and click on 'Proceed'
  • Now select any payment options of your choice, i.e, Debit Card, Credit Card, Net Banking, or UPI (UPI payments options is only accessible through Paytm App)
  • Now complete the payment and you will get the successful message on your device screen.

Kotak Credit Card Bill Payment Offline

Kotak Bank offers several offline options to pay the dues of your credit card, which are:

  • Phone banking
  • Auto debit
  • Cheque
  • Visting the bank branch

Phone Banking

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.

Auto Debit

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.

Cheque
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.

How to increase your Kotak Mahindra bank Credit card limit?

If you're on vacation, you're bound to splurge. But then you realize that you have exceeded your credit card limit and that is a definite drawback. Let's see how you can increase your credit card limit without resorting to something wrong.

Use your card as much as you can:

The chances of increasing your credit card limit will automatically increase when you start paying for everything with your credit card. Once the issuer finds that you use your card frequently and makes payments consistently (at least for a few months), you will succeed in creating a good impression or a good score in the records of your card issuer. Your issuer will automatically start to consider increasing your credit card limit.

Be patient:

Waiting for your issuer to increase your credit limit based on your usage and payment method is a passive technique, where you do nothing but wait for your time. Usually, issuers periodically review their clients' accounts, which means that if you qualify, your credit limit will automatically increase.

Think of a good and solid reason:

If you talk to your issuer about increasing your limit, the company representative may ask why you need an increase in your limit. Usually, issuers are not leveraging, but if they scan your bank records and find that you are using your credit card to make ends meet, they may be reluctant to accept your request. So if you are on a tight budget and can only make the bare minimum on your credit card each month, it would be best to give up on increasing your credit limit until your financial situation improves.

Don't be greedy:

If you are desperate, it will appear, and it would be a big red signal for your transmitter, which means that your request will most likely be denied. In many ways, it's like getting a visa - you have to convince them that you deserve it and also give them time to make their own decision. It is better that you have no unrealistic expectations (for example, an increase in the double or triple credit limit). The best way to get a decent limit increase would be to minimize your need; a subtle approach would work better.

Shift the limits of the cards:

If you have multiple credit cards, you may want to consider this option. First, decide which card limit you want to increase, then transfer the limit from your other card to the card you have chosen. This will work as long as both cards are from the same transmitter. Also, don't get rid of the other card, as this will have a bad impact on your credit score.
All in all, if you are one of those people who find themselves very dependent on credit cards to maintain their lifestyle, an introspection on your financial habits would be desirable. Think carefully before asking to increase your credit card limit, you could put yourself in a vulnerable position.

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 the payment amount and your account will be debited instantly
  • After the successful payment you will get an online transaction confirmation and a Transaction Reference Number.

Personal Loan on Kotak Credit Card 

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. 

Key benefits

  • Get a personal loan amount up to Rs 5,00,000
  • Witness the amazing interest rates on your personal loan
  • Get flexible loan tenures starting from 6 months to 48 months
  • Get instant loan amount on your Kotak or any other savings account.

Eligibility criteria

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.

  • The loan amount will be credited instantly to your Kotak Bank Savings Account.
  • In case you do not have Kotak Bank Savings Account, the amount will be transferred via NEFT.
  • Customers have to share the details of another account such as Account number, IFSC code, Bank Name & Branch details for NEFT.

Process to avail Personal Loan on Kotak Credit Card 

You can avail personal loan on Kotak Credit Card by applying through net banking and mobile banking. Apart from this you can also apply through a simple SMS process or by calling the customer care service  if you don't have access to the internet. Go through the below-given steps to know the process.

Apply for Personal Loan on Kotak Credit Card through Net Banking

  • Login to your Kotak Net Banking account using the login credentials and click on the ‘Net Banking’ option. 
  • Enter your customer ID in the User ID field
  • Enter your password or click on ‘Get Net Banking Password Online’ to generate a new password.
  • Now click on the ‘Credit Card’ menu and then click on  ‘Loan on Card’ option.

Apply for Personal Loan on Kotak Credit Card through Mobile Banking

  • Download and install the Kotak Mobile Banking application from the default app store of your mobile.
  • By entering the customer ID and MPIN, login to the Mobile Banking app and tap on ‘Credit Card’ tab.
  • Now select the option ‘Loan on Credit Card’.

Note: In case you do not have access to the internet you can also apply for a personal loan through offline by sending PLCC to 567688. Or else you can also get in touch with the customer care service for the same by dialling 1860 266 2666. 

Factors Affecting the Interest Rate on Kotak Mahindra Bank Personal Loan:

The interest rate for Kotak Mahindra Bank personal loans ranges from 10.99% to 24% depending on the relationship with the bank, credit score, credit history and internal bank policies. In addition, employees of best companies enjoy low processing fees and special interest rates on a personal loan.

Credit score

Kotak Mahindra bank always checks the credit score of the applicant before sanctioning a personal loan and fixing the interest rate.

Income

Employees with a net salary of Rs. 18,000 can apply for a personal loan from Kotak Mahindra Bank. Their minimum age should be 21 and the maximum age of 58. Applicants can be doctors, employees of public and private limited companies, state employees, public sector companies and local and central bodies. The personal loan amount can be Rs50,000 - Rs. 15.00,000 / - The interest rate on the loan will be 10.99% - 24% with a processing fee of 2.50% of the loan amount. ready. The foreclosure fee is 5% of the loan amount after one year.

Reputed employer

It is easier to get a personal loan from Kotak Mahindra Bank for those who work with a reputable company or business because the employer can provide repayment of the EMI from the salary of the applicant. Long-term employment with the current employer is also a favourable consideration, as is the age of the company.

Relationship with the lender

A good relationship with Kotak Mahindra Bank will help in getting a low-interest personal loan. Having a savings account with a large balance deposit can attract better terms.

Top-up personal loan of Kotak Mahindra Bank:

Kotak Mahindra Bank also offers a personal loan top-up option so that you can face your new expenses without worry. To top-up loan, you need to send an SMS to a top-up number on the website. The advantages of recharging are

  •  No warranty/security required.
  •  Simple documentation.
  •  Attractive interest rates.
  •  Fast processing and disbursement.
  •  Repayment by monthly instalments. 

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.

Other Methods to Track Your Kotak Credit Card Application Status

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. 

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 SMS

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. 

  • To know your current amount due: SMS CCBAL < Last 4 digits of your Kotak Credit Card Number >  
  • To know your amount due as per last statement: SMS CCDUE < Last 4 digits of your Kotak Credit Card Number >
  • To know your last three transactions: SMS CCTXN < Last 4 digits of your Kotak Credit Card Number >
  • To know your last payment received: SMS CCPYMT < Last 4 digits of your Kotak Credit Card Number >
  • To know your total spends this month: SMS CCSPND < Last 4 digits of your Kotak Credit Card Number >
  • To know your available credit balance: SMS CCAVBL < Last 4 digits of your Kotak Credit Card Number >
  • To know your credit card application status: SMS CCAPP < your 13 digit Application Number >
  • To know IVR TRANSACTION PASSWORD(OTP): SMS KOTP
  • To know PVR COUPON BALANCE(Unclaimed): SMS PVRBAL
  • To CLAIM PVR COUPON CODES: SMS PVRKCC
  • To get PHYSICAL ATM PIN: SMS CCPIN
  • For VBV Unblocking: SMS KOTAK UNBLOCK
  • For Card Replacement: SMS REPLACE
  • For Card Redisptach: SMS DISPATCH
  • To get Last 3 Transactions/Debits: SMS K CCTXN A
  • For Total Spends In The Current Bill: SMS K CCSPND A
  • Pre-OTP for IVR: SMS KOTP XXXX (Your One Time Password for Kotak Card xx8563 is XXXXXX)
  • For Card Blocking: SMS K CCLOST xxxx (Your Kotak Credit Card ending with xx7642) and to request replacement SMS REPLACE to 5676788 

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)

Factors that Affecting Kotak Mahindra Bank Credit Card Eligibility Criteria

The applicants must check the following eligibility criteria when applying for a Kotak Mahindra Bank credit card.

  • Applicant's Income: Your income plays an important role when applying for a credit card. This is proof to the bank that you will be able to repay your credit card bill. You can also get a Kotak Mahindra Bank credit card based on a fixed deposit.
  • Age of Applicant: Using a credit card becomes a huge responsibility. An individual does not obtain a stable source of income until after a certain period of years. Therefore, banks are some of the age criteria for giving a credit card since they expect the correct payment every month.
  • Applicant's Credit History: Credit history is clear evidence of how a person manages their credit-related activities. Good credit history is highly preferred by the lender to offer a credit card.
  • Applicant nationality criteria: The applicant must be a resident of India. 

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

Safety and Security of Kotak Credit Card 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. 

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

Conversion Ratio of Kotak Credit Card Reward Points

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:

  • 2 Reward Points = 1 Easy Point for Royale Signature Credit Card
  • 5 Reward Points = 1 Easy Point for Urbane Gold Credit Card
  • 5 Reward Points = 1 Easy Point for League Platinum Card
  • 1 SP = 2 EP for Essentia Platinum Credit Card
  • 2 Reward Points = 1 Easy Point for Solaris Platinum Credit Card
  • 2 Reward Points = 1 Easy Point for Privy League Signature Credit Cards (Optima & Prima)
  • 2 Reward Points = 1 Easy Point for Privy League Signature Credit Card (Insignia)
  • 1 Reward Points = 2 Easy Points for Silk Inspire Credit Card
  • 1 Reward Points = 2 Easy Points for NRI Royale Signature Credit Card

Process to redeem Kotak Credit Card Reward Points

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:

  • Visit the mykotakrewards site
  • Now you will see a variety of online categories for which you can purchase the product by redeeming your reward points.
  • Choose your category and click on "Add to Cart" option
  • On the next page enter your net banking Id and Password for login
  • Complete the transaction and you get the transaction details on your registered mobile number.

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.

Process to get Cash Credit by Kotak Reward Points

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:

  • Visit the Kotak Credit Card Net Banking page and enter your CRN/Customer ID and Password.
  • Now select your credit card and select Cash for reward redemption option to complete the process.

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 Net Banking

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.

Features of Kotak Credit Card Net Banking

  • Transfer funds online through NEFT, RTGS or IMPS between your third party accounts with Kotak Mahindra Bank, or any other bank account.
  • Open a Fixed / Recurring Deposit account to make premature withdrawal online
  • Instantly access and edit online your profile information such as email address, PAN Card, Aadhaar Number, FATCA Statement, etc.
  • Manage your account balance, cheque status, and account activity instantly.
  • With Net Banking facility you can pay your utility bills, DTH, Telephone, Mobile and much more with Kotak BillPay
  • Make your travel a remarkable one as you can book air, bus, train tickets and hotels to stay right from your fingertips.
  • Place applications for a cheque book, registration with Payment Gateway and several other transaction facilities.
  • With Kotak Net Banking facility Re-generate debit card PIN, activate/deactivate the debit card, activate/deactivate debit card for foreign use, link accounts.
  • With Kotak Net Banking facility Upgrade Debit Card, Apply for Image Debit Card, Apply For Priority Pass, Apply for Card Protection Plan
  • Get digital statement for all your transactions, through statement menu
  • Secure your online shopping with Kotak Netc@rd at over 8500 websites
  • Invest / Redeem digitally in Mutual Funds and view the existing portfolio of Mutual Funds
  • Request for IPO / FPO / Rights Issue from the comfort of your home/office use ASBA facility without any documentation
  • Apply for new Kotak Insurance Policy, switch your existing funds and pay the premium online

How to Generate/Regenerate Kotak Net Banking Password

Regenerate or Activate your Net Banking password through the below-given steps:

  • Visit the Kotak Credit Card website and click on "Login"
  • Now click on "Forgot / Blocked Password" link to regenerate the password or click on "Password Locked?" to activate the existing password
  • Noe enter your Net Banking Username or User ID
  • Give answer of the two mandatory question
  • Now select and complete the additional verification process
  • Once the verification of Debit Card / Security Questions / Credit Card is complete, enter a new 6 digit password of your choice and the other 6-
  • digit password will be forwarded to your registered email address and mobile number. Once the password is unlocked, the current password is
  • automatically activated
  • Log in to your net banking account with the newly generated password
  • You also have an additional option to log in with the OTP verification.

Steps to Generate/Regenerate Kotak Net Banking Password for NRI

  • Visit the Kotak Credit Card website and click on Login
  • Now click on Forgot / Blocked Password link on the Net Banking login page
  • Enter your User ID (CRN)
  • Answer the two mandatory questions for security purpose
  • Create a 6-digit password of your choice and the other 6-digit password will be sent to your registered mobile number and email id.
  • Sign in Kotak Net Banking with the combination of your 6 character password followed by the 6 character password sent by the bank.

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 an advantage on the deals and online offers. Scroll down and get in touch with all the offers.

Haier 

  • With Kotak Credit Card get 10% Cashback at Haier on EMI purchases
  • Spend a minimum of Rs 20,000 on the purchase of the products to avail the offer
  • Get a maximum cashback of Rs 4000 per card
  • Offer is valid till 10th June 2020

John Anthony

  • Pay with Kotak Visa or Visa Infinite Credit Cards to get HK$200 off upon spending HK$1,000 or above
  • Offer is valid till 31 December 2020

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

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

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

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

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

Eazy Diner Offer

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

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.

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.

VISA Transit Hotels

  • Get 15% off on all Transit Hotels
  • Offer is valid till- 30 September 2020

VISA Airport Transfer

  • Get 20% off on all Airport Transfer services availed through the Visa Dreamfolks Airport Transfer Program
  • Offer is valid till 30 September 2020

VISA Sleeping Pods/Nap Rooms

  • Get 15% off on all Airport Sleeping Pods availed through the Visa Dreamfolks Sleeping Pods / Nap room Program
  • Offer is valid till 30 September 2020

VISA Meet and Greet

  • Get 20% off on all Meet & Greet services availed through the Visa Dreamfolks Meet & Greet Program
  • Offer is valid till 30 September 2020

Craft Cafe Offer

  • Get 10% off at Craft Cafe stores across the country
  • Offer is valid till 31 December 2020

Ajishin Japanese Restaurant

  • Get 10% off at Ajishin Japanese Restaurant
  • Offer is valid till 31 December 2020

Kai Li Restaurant

  • Get 10% off on your food at Kai Li Restaurant
  • Offer is valid till 31 December 2020

Kaung Kaung Malar Shan Kaw

  • Get 10% off when spending Rs 50,000 MMK or more across the store
  • Offer is valid till 31 December 2020

Kim Pot

  • Get 10% off when spending Rs 50,000 MMK or more
  • Offer is valid till 31 December 2020

Little Sheep Hot Pot

  • Get 10% off across the store
  • Offer is valid till 31 December 2020

Hana Yakiniku Offer

  • Get free 25,000MMK worth of Wine bottle when spending 100,000 MMK or more
  • Offer is valid till 31 December 2020

Four Seasons Hotpot

  • Get 10% off on food
  • Offer is valid till 31 December 2020

Edge Fine Indian Dining

  • Get 10% off on food and 20% off on beverage
  • Offer is valid till 31 December 2020

Eagle Bar and Restaurant

  • Get 10% off when spending 30,000 MMK or more on food only
  • Offer is valid till 31 December 2020

Chilli Pot

  • Get 10% off when spending 30,000 MMK or more
  • Offer is valid till 30 June 2020

Crystal Jade

  • Get 10% off on a la carte menu
  • Offer is valid till 31 December 2020

Craft Cafe

  • Get 10% off on food
  • Offer is valid till 31 December 2020

Ajishin

  • Get 10% off on food
  • Offer is valid till 31 December 2020

The Hotel Emperor Inle

  • Get 10% off on food & beverage
  • Offer is valid till 31 December 2020

Pee Safe

  • Spent a minimum of Rs 599 and get 25% off
  • Use the Promo Code- KOTAK25PS
  • Offer is valid till 31 October 2020

Jaypore Offer

  • Spend a minimum of Rs 3450 and get Rs 1000 off
  • Offer is valid till 30 June 2020
  • Offer is valid on the official website

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

Get Instant News Updates
Enable
x
Notification Settings X
Time Settings
Done
Clear Notification X
Do you want to clear all the notifications from your inbox?
Settings X