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.
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For the first step, you will have to visit our website to explore the options that fit your needs.
Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.
One of the most important steps. Now you will have to submit all the required documents digitally.
Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.
PAN Card
Aadhaar Card
Driving Licence
Voter ID
Passport
Registered rent agreement
Current passport size photograph
Salaried income documents
Self Employed person documents
The documents required for a card-to-card application vary, but common documents include:
Note : Kotak may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
Follow the steps to apply for Kotak Credit Cards through ReferLoan:
Kotak Mahindra Bank Ltd. P.O. Box:16344, Mumbai-400013.
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