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Kotak Credit Card
Different types of credit cards from Kotak Mahindra Bank are available for different purposes and to meet the needs of every kind of customer.
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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.
Live Life to the Fullest with Kotak Mahindra Credit Card!
Credit Cards that cater to every need of every individual
Kotak 811 Credit card
Reward Type
Cashback and Reward
Joining Fee
INR 500
Annual Charge
INR 500
Features
Offers for First Time Card Holders
- Earn 2 reward points for every Rs. 100 spent online
- Earn 1 reward points for every Rs. 100 spent offline
- Spend Rs. 5000 within the first 45 days of card issuance and receive 500 bonus reward points
- Spend Rs. 75,000/- in a year and get 4 free PVR tickets OR cashback of Rs. 750/-
- 1% Fuel Surcharge Waiver
- Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters.
Conditions for Annual Card Fee waiver
- For 1st year fee waiver : INR 1,25,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver : INR 5,00,000 retail spends done in previous card anniversary year
Eligibility:
Salaried:
- Primary Credit Card holders should be in the age bracket of 18 years to 65 years
- Add-on Cardholder should be 18 years and above
- The applicant’s Location must be - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
- Should be a resident of India
Self-employed:
- Indian nationality. Age: Min 18 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum
Indian Oil Credit card
Reward Type
Cashback and Reward
Joining Fee
INR 449
Annual Charge
INR 449
Features
- Save 4% as Reward Points on IndianOil Fuel Spends.
- Save 2% back as Reward Points on Grocery and Dining spending.
- On all other spends, save 0.5% back as Reward Points
- Earn 3 Reward Points on every INR 150 spent
- Get 1000 Reward points as a welcome benefit on spending INR 500 within 30 days of card issuance
- Annual fee of INR 449 waived on spending INR 50,000 in the previous anniversary year
- Personal accident insurance cover of INR 2,00,000
Fees & Charges applicable
- Annual Card Membership fee – INR 449
Eligibility:
Salaried:
- Primary Credit Card holders should be in the age bracket of 18 years to 65 years.
- Add-on Cardholder should be 18 years and above
- Should be a resident of India
811 #DreamDifferent Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 0
Features
- Earn 2 reward points against every Rs. 100/- of online spends
- Earn 1 reward point against every Rs. 100/- of other* spends
- Earn 500 bonus reward points on – Activation + Rs. 5000/- spends in the first 45 days of card set up#.
- Interest-free cash withdrawal
- 1% fuel surcharge waiver across all petrol pumps for transactions between Rs. 500/- and Rs. 3000/- (max. Rs. 3500/year)
- 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters
Eligibility:
Salaried:
- Primary Cardholder should be in the age bracket of 18 years to 75 years.
- Add-on Cardholders should be 18 years and above.
- Minimum credit limit amount (for Non-811 savings account customers) – Rs. 9,000
- Minimum credit limit amount (for 811 savings account customers) – Rs. 5,000
- Only Individual TDs are allowed
- Should be a resident of India
- NRI customers can only apply via offline process
Urbane Gold Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 199
Benefits
- Earn 3 reward points against every Rs. 100/- of retail spends
- Your Add-on Card will have all the benefits that you enjoy on your Card
- Every 1000 reward points have a redeemable worth of Rs. 100/-
- Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
Eligibility:
- Primary Cardholder should be in the age bracket of 21 years to 65 years.
- Add-on Cardholder should be 18 years and above
- Applicant’s Location must be – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
- Income – Rs. 3 lac and above per annum
- Should be a resident of India
Veer Platinum Credit card
Reward Type
Cashback and Reward
Joining Fee
NA
Annual Charge
Rs 299
Features
- Earn 6 Reward Points for every 200 spent on Dining, Movies, Departmental stores and Grocery
- Earn 2 Reward Points for every Rs. 200 spent on other categories
- Spend Rs. 500 within the first 30 days of card issuance and receive 500 Reward Points
- Fuel surcharge waiver of 1% across Fuel Stations
- Railway surcharge waiver of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters
- Free Add-on card which will have all the benefits that you enjoy on your primary credit card
Eligibility:
- Applicable for armed forces officials only
- Primary Credit Card holders should be in the age bracket of 18 years to 65 years.
- Add-on Cardholder should be 18 years and above
- Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
- Applicant must be a resident of India
Kotak Infinite Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 0
Features
- 2 complimentary round of golf in a month for the cardholder
- 800 Reward points worth Rs 800 free every month
- 4 complimentary visits every quarter to Dream Folks Lounges only in India
- Instant Assistance through premium concierge services
- 1% fuel surcharge across all petrol pumps in India*
- 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter
Eligibility:
- Primary cardholder needs to have Kotak Private Banking clients
- Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
- Add-on Cardholder should be 18 years and above
- Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
- Applicant must be a resident of India
League Platinum Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 499/NIL
Annual Charge
INR 499
Features
- Earn up to 8 reward points on every Rs. 150 spent across all spends
- Reward points worth Rs. 500, post realization of joining fee
- Fuel Surcharge Waiver on transactions between Rs. 500 and Rs. 3000
- Spend Rs. 1, 25,000 every 6 months and get 4 free PVR tickets or 10000 reward points
Eligibility:
- Applicant’s Income must be Rs.5 Lakhs and above per annum
- Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
- Add-on Cardholder should be 18 years and above
- Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
- Applicant must be a resident of India
Corporate Wealth Signature Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 0
Features
- Interest-free funds for up to a period of 48 days similar to an overdraft facility on credit cards
- Fuel Surcharge Waiver on transactions between Rs. 500 and Rs. 3000
- Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
- 2 complimentary visits every quarter to Dream Folks Lounges only in India
- Feel safe and secure with free SMS and e-mail alerts on all transactions
Eligibility:
- Discussed at the time of sourcing
Mojo Platinum Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 1000
Annual Charge
INR 1000
Features
- Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends.
- Earn unlimited 1 Mojo point for every Rs. 100 on all other spends.
- Earn 2.5 Mojo points for every Rs. 100 spent on online shopping
- Earn 1 Mojo point for every Rs. 100 spent on all the other categories ( except fuel and cash withdrawal)
- 2500* Mojo points every quarter on spending Rs. 75,000 (Valid for the first year only)
- 8 complimentary Dream Folks Airport Lounge visits annually within India
- Joining fees of Rs. 1,000 waived on spending Rs.30,000* in the first 90 days after card issuance
- Annual fees waived on spending Rs. 1 lakh annually
- 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
Eligibility:
- Primary Credit Card holders should be in the age bracket of 21 to 65 years.
- The add-on Cardholder should be 18 years and above
- Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The Income of the Applicant must be Rs. 4 lacks and above per annum
- The applicant should be a resident of India
White Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 3000
Annual Charge
INR 3000
Features
- Primary Credit Card holder’s age: 28 to 65 years
- Add-on Card holder’s age: 18 years or above
- Applicnts’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- Applicant’s Income must be ₹25 lakh and above per annum
Eligibility:
- Primary Credit Card holders should be in the age bracket of 21 to 65 years.
- The add-on Cardholder should be 18 years and above
- Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The Income of the Applicant must be Rs. 4 lacks and above per annum
- The applicant should be a resident of India
White Reserve Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 12,500
Annual Charge
INR 12,500
Features
- Earn direct White Pass value on crossing spend milestones
- Earn White Pass Value up to 2.5 lakh annually
- Get access to some of the most sought after events in the world
- Up to 25% off on the food bills in India and up to 206 off across Asia Pacific
- Unlimited lounge access* at 1000+ airports across the world
- 2 Free golf rounds each month at select golf courses across the world
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant should have a stable source of income
- The applicant’s CIBIL Score should be more than 750
Corporate Platinum Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 0
Features
- 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
- Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
- Get 2 Airport lounge accesses per calendar quarter (for primary cardholder only)
- Accepted by over 10 million merchants across the globe
- Up to 48 days interest-free credit period
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant should have a stable source of income
- The applicant’s CIBIL Score should be more than 750
Royale Signature Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 999
Features
- 2 complimentary visits every quarter to Dream Folks Lounges only in India
- Up to 4 reward points on every Rs. 150 spent across all Special category and 2 reward points on other categories
- Redeem your reward points for options on easyrewardz or other attractive redemption options
- 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
- Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking
- Add-on Card will have all the benefits that you enjoy on your credit card
Eligibility:
- Primary Credit Card holder should be in the age bracket of 21 years to 65 years. Add-on Cardholder should be 18 years and above
- Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant’s Income must be Rs. 24 Lakhs and above per annum
- The applicant must be a resident of India
Zen Signature Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 1500
Annual Charge
INR 1500
Features
- 10 Zen Points for every Rs. 150 spent on Shopping
- 5 Zen Points for every Rs. 150 on all other spends
- 15000 bonus ZEN Points on crossing annual spends of 6,00,000 - every year
- Avail of a welcome gift of 1500 Zen points (only be realized upon paying the joining fees of Rs. 1500/-)
- 8 complimentary visits (2 every quarter) to Dream Folks Lounges only in India
- Complimentary Priority Pass Membership along with 3 complimentary Priority Pass International Lounge access in a year across 1300+ Lounges
Eligibility:
- Primary Credit Card holder should be in the age bracket of 21 years to 65 years. Add-on Cardholder should be 18 years and above
- Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant’s Income must be Rs. 4.8 Lakhs and above per annum
- The applicant must be a resident of India
Veer Select Credit card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 599
Features
- Earn 9 Reward Points for every 200 spent on Dining, Movies, Departmental stores and Grocery
- Earn 3 Reward Points for every Rs. 200 spent on other categories
- Spend Rs. 500 within the first 30 days of card issuance and receive complimentary IHO membership worth Rs. 8,500
- 8 Complimentary Airport Lounge access annually
- Fuel surcharge waiver of 1% across Fuel Stations
- Railway surcharge waiver of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters
- Free Add-on card which will have all the benefits that you enjoy on your primary credit card
Eligibility:
- Primary Credit Card holder should be in the age bracket of 18 years to 65 years. Applicable for armed forces officials only
- Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant’s Income must be Rs. 4.8 Lakhs and above per annum
- The applicant must be a resident of India
Kotak IndiGo Ka-ching 6E Rewards XL Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 2500
Annual Charge
INR 2500
Features
- Get a welcome ticket* worth Rs. 3,000
- 6E Prime add-ons worth Rs. 899 - Get priority check-in, choice of seat, complimentary meal and quicker baggage assistance
- 8 lounge access per year with 2 every quarter
Eligibility:
- Primary Credit Card holder should be in the age bracket of 21 years to 65 years.
- Applicant’s Locations must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant must be a resident of India
NRI Royale Signature Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 1000
Features
- Earn 2 rewards on spends outside India; i.e. earn 2 rewards points for every Rs. 200/- spent
- Earn 1 reward point for every Rs. 200/- spent within India
- 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000
- Railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters
- 2 complimentary visits every quarter to Dream Folks Lounges only in India
Eligibility:
- Primary Credit Card holder’s age must be 18 – 75 years
- Add-on Cardholder should be 18 years and above
- Only NRE/NRO account holders are eligible for the Credit Card
- The credit limit offered can be as high as 80% of your Fixed Deposit(FD) amount
- Minimum FD Amount od the applicant should be Rs. 1 lac
- Only Individual FDs are allowed
- The applicant must be an NRI having an Indian residential address
PVR Kotak Platinum Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 999
Features
- 2 free PVR tickets* every month on spends of ₹ 10,000
- 15% Cashback on Food and Beverages at PVR
- 5%# Cashback on Movie tickets at PVR Box Office
- Add-on Card with all the benefits that you enjoy on your Card
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- Applicant’s Location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
- The applicant should have a stable source of income
- The applicant’s CIBIL Score should be more than 750
Kotak IndiGo Ka-ching 6E Rewards Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 700
Annual Charge
INR 700
Features
- Get a welcome ticket worth Rs. 1,500
- 6E Prime add-ons worth Rs. 899 - Get priority check-in, choice of seat, complimentary meal, and quicker baggage assistance
- A discounted convenience fee of Rs.150 per pax on indigo tickets
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- The applicant should have a stable source of income
Best Price Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 0
Features
- 14-day Credit Cycle that starts afresh on every transaction
- Make purchases at the Best Price Modern Wholesale store with the two free Add-On cards
- Freedom of No Joining Fee
- Set the spending limit on your Add-on Card as you desire
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- The applicant should have a stable source of income
Privy League Signature Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 2,500*
Features
- For every Rs. 100 spent on credit card 5 reward points are earned for special categories
- Earn 5 Reward Points on select categories like airlines, hotels, duty-free, international spends and travel agencies
- Earn 2 reward points under other categories
- VIP access* to over 1300 VIP lounges in more than 148 countries and 600 cities worldwide
- Save 1% fuel surcharge across all petrol pumps in India*
- Get 1.8% to 2.5% railway surcharge waiver when you book a ticket on www.irctc.co.in or through an Indian Railways booking counter*
- Enjoy a low monthly interest rate of 2.49%
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- The applicant should have a stable source of income
- Primary cardholder needs to have Privy league Banking Relationship
- Applicant’s location must be Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune
PVR Kotak Gold Credit Card
Reward Type
Cashback and Reward
Joining Fee
INR 0
Annual Charge
INR 499
Features
- Get free PVR Movie Tickets depending on your monthly spends
- Get 1 free PVR movie ticket* every month when you spend ₹ 10,000 and above in a monthly billing cycle
- Get 2 free PVR movie tickets* every month when you spend ₹ 15,000 and above in a monthly billing cycle
- Get 15%# Cashback on Food and Beverages at PVR
- Get 5%#Cashback on Movie tickets at PVR Box Office
- No Joining Fee for the first year
- Add-on Card with all the benefits that you enjoy on your Card
Eligibility:
- The applicant should be a resident of India The applicant should be between 21 years to 65 years of age
- The applicant should have a stable source of income
Work Process
Simplifying the Process for You
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.
Credit Card
Features & Benefits
Kotak League Platinum Credit Card
- Earn up to 8X points on every Rs.150 transacted through Credit Card.
- Welcoming voucher worth Rs.500 is sent to customers (via mail and mobile) once they have paid the joining fee.
- Movie voucher worth Rs. 500 is sent on registered mail id & mobile no post joining fee.
- Access to 600 premium airport lounges worldwide
- Fuel surcharge waiver up to Rs. 3500 annually
Kotak Royale Signature Credit Card
- 4X Rewards on travel and tour agencies, package tour operators, hotels, airlines, and air carriers.
- Complimentary visits to partner lounges under the Visa Lounge Access
- Get 2 BookMyShow vouchers at the first swipe of the card.
- Fuel Surcharge Waiver of 1% at fuel stations
- Insure your credit card and get a cover of Rs. 2,50,000 in case of any theft or loss.
Kotak Mojo Platinum Credit Card
- Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends.
- Earn unlimited 1 Mojo point for every Rs. 100 on all other spends.
- On all other retail spends earn 1 Mojo point for every Rs. 100 – except on fuel & cash withdrawal
- Get 2500* Mojo points every quarter on spending Rs. 75,000. Valid for the first year only.
- Get 8 complimentary Dream Folks Airport Lounge visits annually within India (Domestic and International terminals). 2 visits per quarter
- Get your annual fees waived on spending Rs. 1 lakh annually.
Required Documents for Kotak Mahindra Credit Card
PAN Card
Aadhaar Card
Driving Licence
Voter ID
Passport
Registered rent agreement
Current passport size photograph
Salaried income documents
Self Employed person documents
Salaried income documents
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Last 3 months' salary slip
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Form 16 of last 2 years
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Income Tax Return if any of last 2 Years
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Last 3 months' bank statement if the salary directly credited in the bank account
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Certificate of employment from current employer
Self Employed person documents
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Income tax returns of previous 2 years
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Statement of finances with a proper balance sheet with profit and loss in that sheet
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Bank statement with continuity of business
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GST registration evidence of business
Card to Card Documents
The documents required for a card-to-card application vary, but common documents include:
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Government Issued Photo ID
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Proof of Residency
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Proof of Income
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Applcation Form
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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.
How to Apply for Kotak Mahindra Credit Card?
Follow the steps to apply for Kotak Credit Cards through ReferLoan:
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On the ReferLoan Credit Card page, you will find the list of credit cards on the top.
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Choose the Kotak card you want and click on the 'Check Eligibility' button
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Here you will be introduced to a list of eligibility questions
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Answer these questions to know your eligibility.
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If you fulfill the eligibility criteria, you will be redirected to the online application page.
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Fill in all the required fields on the page before clicking on ‘Submit’.
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Now you will be asked to upload the required documents - upload them and click on 'Submit'
How to Redeem Reward Points on Kotak Mahindra Credit Card?
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Choose the category you want to redeem your points in
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Add the selected items to your cart
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Now check out making payment using your reward points
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Your order will be placed the further details will be sent to your registered mail ID and contact number
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To proceed further, please read the Terms & Conditions and click on the check box confirming that you have read them.
Kotak Credit Card Registration for Net Banking
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Click on “ Register for Net Banking”
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Once you have completed the online registration process, you will be redirected to a page for generating your Online Net Banking password.
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Enter your CRN number/Customer ID and click Continue
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You will need to answer a few personal questions to confirm your identity
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You will be redirected to the next step, where you will have to select the “ Generate password via Credit Card Details” and continue
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In the next step, you will enter your credit card number, expiry date, CVV, and card PIN and click on Continue
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As per the guidance choose a 6-digit password, re-enter it and submit
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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.
FREQUENTLY ASKED QUESTIONS
Kotak Mahindra Credit Card limits are increased automatically. The bank reviews a spending pattern, balances, and other factors before deciding whether to offer a credit limit increase. You must increase your limit. However, you can still call the customer care center to request an increase in your limit.
Creating a pin for Kotak Credit Card is easier than ever. You can go to Kotak net banking or mobile banking and generate your pin after creating an account. Or, you can also call us on 18602662666 to request the same.
You can quickly get your Kotak Credit Card closed by writing to your nearest branch, emailing them, or by reaching out to customer care on the phone. The only condition is all your dues must be cleared, the point must be redeemed, and the auto payments must be canceled.
In case of any loss or theft of your card, you can contact the customer care of Kotak Mahindra Bank at 1860-266-2666 and for 811 customers at 1860-266-0811.
Designed keeping women in mind, the Kotak Silk Inspire credit card can be the best option to pick. The user can avail of exciting reward points and benefits on this card.
Most of the Kotak Credit Cards are free from any joining fees, for the rest of them, the Joining fee starts from Rs. 449 and differs from card to card.
Most of the Kotak Credit Cards are free from any joining fees, for the rest of them, the joining fees start from Rs. 199 and go up to Rs. 12,500 based on your choice of card and your eligibility.
The interest rates on Kotak Credit Card vary from 3.50% per month to 42% per annum based on the choice of card and eligibility of the applicant.
To redeem your Kotak credit card reward points you will have to follow the below-mentioned steps:
Visit the official website of Kotak Bank
Click on the Credit Card Tab
From the given options select the Credit Card you want to redeem reward points for
Click on the “Reward Redemption” section
Now you will be redirected to Kotak’s Reward Redemption Portal
Click on the menu bar visible on the right side of the screen
Click on the login tab and fill in your login credentials
Choose the item based on your reward points
Add it to the cart
Now check out and complete the transaction through your reward points
Your E-vouchers will be sent to your registered Email ID and Phone Number
PayByPoints allows you to redeem your reward points instantly at participating merchant outlets. This means that when you shop with your Kotak Credit Card, your reward points are converted into currency at the time of purchase.
The card holders can Redeem their points across a variety of categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies (BookMyShow Vouchers), Travel, and many more
The most convenient way to check your reward points balance is through your credit card statement. Apart from this, the cardholder can also check it by logging in to their net banking and Mobile Banking.
If you don't use your Kotak Credit Card Reward Points within two years of earning them, they will expire.
With Kotak Royale Signature Credit Card, you will get Up to 4 reward points for every Rs. 150 spent on selected categories
With Kotak League Platinum Credit Card, you will get Up to 8 reward points per Rs. 150 spent across all spends
The annual charge on Kotak League Platinum Credit Card is Rs. 499
You can apply for a Kotak Credit Card at the official website of Kotak. For a smoother process, you can also apply at ReferLoan.
The age limit to apply for a Kotak Credit Card is 18 to 75 years
The credit card applicant must prove that you have a minimum salary of Rs. 400,000 per annum. (The minimum salary requirement depends on your credit card issuer)
No, to apply for a Kotak credit card your minimum income should be Rs. 4 lahks per annum.
No, to apply for a Kotak credit card your minimum income should be Rs. 4 lahks per annum.
If you are someone who is willing to apply for a Kotak Bank Credit Card your age needs to be between 18 to 6 years, your minimum income should be Rs. 4 lakhs annually, and you must have a credit score of 750 or above. Whereas, the eligibility requirement may differ based on your choice of a credit card.
To apply for a Kotak Bank Credit Card, the applicant needs to have a CIBIL Score of 750 or above.
No, to apply for a Kotak Bank Credit Card, the applicant needs to have a CIBIL Score of 750 or above.
To generate a Kotak Bank Credit Card you will have to follow the below-mentioned steps:
Login to your Kotak Net Banking account through your credentials
Now go to Credit Card Section
Click on the Service Request Tab
Now click on the Instant PIN Generation
Fill in the 4 or 6-digit pin that you are willing to keep and click on “Submit”
In case you have forgotten your Kotak Credit Card PIN you can easily Reset it by following the below-mentioned steps on IVR:
Dial 1860 266 2666.
Follow the instructions of Keya and say Generate Credit Card PIN.
Enter the MPIN and follow the instructions to enter the card details.
Once this is validated, press 6 to change your existing PIN.
The first thing one needs to do if their Kotak Bank Credit Card is Lost or stolen, is to call the customer's card and Block their credit card at that very moment. After that, they can proceed further with filing an FIR and contacting the Credit Bureau.
To activate your Kotak credit cards online through Internet banking, you will have to follow the below steps:
First, visit the bank’s official website.
Log in to your Net Banking Account with Credentials
Choose the ‘Card Activation’ option visible on the home page.
After that, you must input your credit card number, expiration date, and date of birth.
Once the details are entered, press ‘Submit.’
Now enter the ATM PIN you are willing to keep and click on ‘Submit.’
The mobile number will receive an OTP; enter the OTP and proceed.
You can easily deactivate your Kotak Bank Credit Card through Internet banking by following the below-mentioned steps:
First, visit the bank’s official website.
Log in to your Net Banking Account with Credentials
On the Home Page, Click the “Card Activation” option
Now you will have to submit your credit card number, expiration date, and date of birth.
Once the details are entered, press ‘Submit.’
Now enter the ATM PIN and click on ‘Submit.’
Your registered mobile number will receive an OTP; enter the OTP and proceed.
Yes, if you are not willing to activate your Kotak Credit Card online you do that offline as well by easily calling Customer Care and asking for the same.
No, you can't change the Kotak credit card pin at any bank's ATM due to the bank’s safety measures.
The Annual Fee for Kotak Corporate Platinum Credit Card is Rs. 999
No, there is no Joining Fee on Kotak Corporate Platinum Credit Card
The cardholder will have to pay a joining fee of Rs. 499 and an Annual Fee of Rs. 499 for the Kotak 811 Credit Card.
No, there is no joining fee on Kotak 811 #DreamDifferent Credit Card
If you are willing to earn some exciting rewards every time you swipe your card then Kotak Royale Signature Credit Card can be your right choice. Where you will get Earn 4x reward points for every Rs. 150 and 10000 bonus reward point on spending Rs.4,00,000.
If you are someone who travels frequently and wants to save big on your Travel Expenses then Kotak IndiGo Ka-ching 6E Rewards XL Credit Card or Kotak IndiGo Ka-ching 6E Rewards Credit Card can be a great choice for you. With these cards, you can earn double the points along with discounts on hotel booking, flights, railways, and much more stuff.
Yes, any Self-employed individual can get a Kotak Credit Card
Yes, any salaried Individual can too get a Kotak Credit Card
No, Kotak Veer Platinum Credit Card asks for NIL joining fees
You can start your Kotak Credit Card Net Banking in a few easy steps:
Log on to www.kotak.com.
Click on the 'Net Banking' option.
Enter CRN in User ID.
Enter your password or click on "Get Net Banking Password Online"
Click on the Credit Card Tab.
Click on Add-on Card.
Please fill in the details as asked on the screen.
Click on 'GO'
You can easily pay your Kotak Credit Card bill through Netbanking. All you need to do is to follow the below-mentioned steps:
Login to Your Netbanking Account using your Credentials
Select Pay Now or Make Payment in the Credit Cards section
Now fill in the prompted payment details and proceed
Your payment will be credited within 24 hours to your Kotak Credit Card account.
Yes, to make your Kotak Credit Card Bill payment at your nearest Kotak Branch, follow the below-mentioned steps:
Visit our nearest Kotak Mahindra Bank branch
Deposit cash to pay your credit card bill
Receive a confirmation within 24 hours
Note - The bank will charge you INR 100 plus GST for the process
The customer care number of Kotak Credit Card is 1860 266 2666
The customer care Email ID of Kotak Bank is service.bank@kotak.com
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