Here are a few factors

Rating 0 /
Total - 0 ratings
Card Type Mid-level
Best Suited for Fuel Transactions
Joining Fee Rs. 999
Renewal Fee Rs. 999 (Waived off on spending Rs. 1 lakh in a year)
Minimum Income Requirement Rs. 24 lakh p.a.
Best feature 4X rewards for every Rs. 150 spent on selected categories
Credit Card

Live Better with KOTAK Credit Card

Kotak Mahindra Bank offers customers a range of credit cards, which can be used as economic tools. The bank provides credit cards with attractive features such as travel benefits, discounts, and cashback mechanisms, which act as rewards for spending money. Different types of credit cards from Kotak Mahindra Bank are available for different purposes and to meet the needs of every kind of customer.

Visit Our Website

For the first step, you will have to visit our website to explore the options that fit your needs.

Select and Apply

Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Credit Card!

Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.

Always Be Prepared with the Right Document

Required Documents for Kotak Mahindra Credit Card

PAN Card

Aadhaar Card

Driving Licence

Voter ID


Registered rent agreement

Current passport size photograph

Salaried income documents

Self Employed person documents

Salaried income documents

  • Last 3 months' salary slip
  • Form 16 of last 2 years
  • Income Tax Return if any of last 2 Years
  • Last 3 months' bank statement if the salary directly credited in the bank account
  • Certificate of employment from current employer

Self Employed person documents

  • Income tax returns of previous 2 years
  • Statement of finances with a proper balance sheet with profit and loss in that sheet
  • Bank statement with continuity of business
  • GST registration evidence of business

Card to Card Documents

The documents required for a card-to-card application vary, but common documents include:

  • Government Issued Photo ID
  • Proof of Residency
  • Proof of Income
  • Applcation Form
  • Authorization to run a Credit Check (if required)

Note : Kotak may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.

Easily Apply for a Kotak Mahindra Credit Card Through ReferLoan

How to Apply for Kotak Mahindra Credit Card?

Follow the steps to apply for Kotak Credit Cards through ReferLoan:

  • On the ReferLoan Credit Card page, you will find the list of credit cards on the top.
  • Choose the Kotak card you want and click on the 'Check Eligibility' button
  • Here you will be introduced to a list of eligibility questions
  • Answer these questions to know your eligibility.
  • If you fulfill the eligibility criteria, you will be redirected to the online application page.
  • Fill in all the required fields on the page before clicking on ‘Submit’.
  • Now you will be asked to upload the required documents - upload them and click on 'Submit'
Redeem Your Reward Points to get Exciting Gifts

How to Redeem Reward Points on Kotak Mahindra Credit Card?

  • Choose the category you want to redeem your points in
  • Add the selected items to your cart
  • Now check out making payment using your reward points
  • Your order will be placed the further details will be sent to your registered mail ID and contact number
  • To proceed further, please read the Terms & Conditions and click on the check box confirming that you have read them.
Access Your Card Easily from Anywhere Through Net Banking

Kotak Credit Card Registration for Net Banking

  • Click on “ Register for Net Banking”
  • Once you have completed the online registration process, you will be redirected to a page for generating your Online Net Banking password.
  • Enter your CRN number/Customer ID and click Continue
  • You will need to answer a few personal questions to confirm your identity
  • You will be redirected to the next step, where you will have to select the “ Generate password via Credit Card Details” and continue
  • In the next step, you will enter your credit card number, expiry date, CVV, and card PIN and click on Continue
  • As per the guidance choose a 6-digit password, re-enter it and submit
  • Once you set your password, you'll receive a one-time password on your registered mobile number and e-mail ID. You will need to combine this password with your new six-character password to create a new password for your account.

In Case of Any Query

Kotak Mahindra Bank Ltd. P.O. Box:16344, Mumbai-400013.