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Kotak Mahindra Credit Card

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Kotak Mahindra Bank offers customers a range of credit cards, which can be used as economical 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 type of customer. With so many types of credit cards available in the marketplace, it is difficult for one to choose the right one for themselves. Therefore, we have listed the most popular cards with all their details. 

Choose the best Kotak Credit Card for 2022

We know choosing the right credit card that fits your needs can be quite tricky in this pool of offers. Therefore, we are here to help with all the details including the fees, ratings, and category.

Kotak Bank Royale Signature Credit Card

Joining Fee: Rs. 999

Renewal fee: 999+18% GST Waived off on annual spends of (>1 lakh) per year.

Kotak Bank League Platinum Credit Card

Joining Fee: Rs. 500/NIL

Renewal fee: Rs. 499

Fees and Charges :

Some of the general fees and charges related to the Kotak Credit Cards are mentioned below for your reference:

Fee Type


Joining Fee

Depends on the credit card variant

Annual Fee

Depends on the credit card variant

Finance Charges

Up to 3.50% per month (42.00% p.a.)*

Certain charges may vary depending on the type of card you use. Please refer to the terms and conditions for details on specific types of cards. For other fees and charges, as well as detailed information about our payment processing services, please click here.

What should be the Eligibility and Documentation

The first and foremost requirement for a Kotak Mahindra Card will be having a good credit score (above 750), apart from that, there are a few more eligibility criteria that you need to meet for being eligible for the Kotak Mahindra Credit Card. 



The applicant’s age needs to be a minimum of 21 years and a maximum of 65 years. 



Both salaried and self-employed individuals can apply for the Kotak Credit Card. 


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 cannot increase your limit only. However, you can still call the customer care center to make a request for an increase in your limit.

Creating a pin for Kotak Credit Card is easier than ever. You can simply go to Kotak net banking or mobile banking and generate your pin after creating an account. Or, you can also give a call on 18602662666 to request the same.

You can easily 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.