Kotak Credit Card Payment

How to Pay Kotak Credit Card Bill through Net Banking?

Customers having savings/current account with Kotak Mahindra Bank can follow the steps given below to make payment through net banking:

• Login to Kotak Mahindra Net Banking Portal using your Customer ID and Password
• Go to the ‘Credit Cards’ section
• Select ‘Payments’ from the menu
• Select the amount (total due, minimum due or custom)
• Click on ‘Make Payment’

On authorizing, the amount will be deducted from your Kotak Savings/Current account and credited to your card within 24 hours.

How to Pay Kotak Credit Card Bill through Mobile Banking?

Again, this method is for those who have savings/current account with the bank. Follow the steps given below:

• Login using your credentials
• Go to the ‘Credit Cards’ section and click on ‘Payments’
• Select the amount and click on ‘Make Payment’

The amount will be deducted from the savings/current account and instantly credited to the card.

Please Note: Kotak Mahindra Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.

How to Pay Kotak Credit Card Bill through BillDesk?

Kotak credit card bill payment through bill desk is the easiest way for non-Kotak account holders to make their Kotak credit card bill payment. Kotak Mahindra Bank’s credit card bill desk is called WebPAY and here is how to pay the bills using this channel:

• Click here to visit Kotak Bill Desk Page
• Enter your 16-Digit Kotak Card number and re-enter to confirm it
• Enter email ID and Contact Number
• Enter the amount to be paid
• Select the bank from which you wish to make the payment
• Click on ‘WebPAY Now’
• You now be redirected to your bank’s net banking portal
• Login using Customer ID and Password
• Authorize the payment by entering OTP

The payment will be made and an e-mail will be sent to the email ID provided. Billdesk payments usually take up to 3 business days to process.

How to Pay Kotak Credit Card Bill through NEFT/IMPS using IFSC Code

Cardholders who do not have a savings/current account with Kotak Mahindra Bank can use the NEFT or IMPS facility to pay their credit card bills. Here’s how:

• Login to your bank’s net banking portal
• Go to the ‘Fund Transfers’ page and select NEFT/IMPS (whatever you wish)
• Register Kotak Credit Card as a beneficiary by entering the following details:

Beneficiary Name	4166xxxxxxxxxxxxxxxxxxx (Card Number) Cardholder’s Name
IFSC	KKBK0000958
City	Mumbai
Destination Bank	Kotak Bank
Address of the Bank	Main Branch, Mumbai

Once the card is added to the list of beneficiaries, follow the below given steps to make the payment.

• Login to the bank’s net banking app
• Select NEFT or IMPS as mode of Payment
• Choose Kotak credit card from the list of beneficiaries
• Enter the amount and make the Kotak credit card payment

How to Pay Kotak Credit Card Bill through RTGS using IFSC Code

Cardholders who have credit card bills over Rs. 2.00 lakh can pay via RTGS, Real Time Gross Settlement. The Kotak credit card must be added to the list of beneficiaries at the chosen bank in order to use the service. The steps to add the card as beneficiary are same as given above in the NEFT section. The Credit Card IFSC Code will remain the same, that is, KKBK0000958. To pay via RTGS follow these steps:

• Login to your preferred bank’s net banking account
• Head over to Funds Transfer section
• Select RTGS
• Now, select the card from the list of beneficiaries and review the details. The Kotak credit card IFSC code must be KKBK0000958
• Enter the amount and confirm the payment

How to Set Auto Debit Instructions for Kotak Credit Card Bill Payment?

Cardholders can also set standing instructions on their savings/current account to automatically debit the amount towards credit card bill payment when it is due. Customers who have a Kotak Savings/Current Account can set the instructions through net banking or by calling Kotak Credit Card Customer Care.

Customers who wish to set standing instructions on other bank’s savings/current account can do so by filling out an Auto Debit Authorization Form. Download this form, fill it, sign it and mail it to the address given below:

Manager – Customer Correspondence Centre
Kotak Mahindra Bank
Attn: Customer Correspondence Unit – Credit Cards
Neptune Element, 3rd Floor, Road No. 22, Wagle Estate,
Thane (W) 400604

How to Pay Kotak Credit Card Bill through VISA Payment Facility?

Kotak credit cardholders can also make bill payment through their VISA Debit Card. The procedure may differ from one bank to another but a common method is given below:

• Login to your bank’s Net Banking Portal
• Go to the ‘VISA Credit Card Payment’ option
• Register your Kotak Credit Card with this facility

Once registered or added, you can easily make the payment of your Kotak credit card bill. Payments made through VISA Bill Pay Facility are credited in 2-3 working days.

How to Pay Kotak Credit Card Bill through UPI using Account Number & IFSC Code

Another option that may be used to clear credit card bills is Unified Payments Interface (UPI). Cardholders may either use UPI ID or Account number and IFSC Code to pay the credit card bill.

Registration

Registration is easy, the steps are:

• Download an App which supports fund transfer via UPI
• Provide a mobile number to register
• Enter the required details like Kotak credit card IFSC code, Bank name, etc.
• Set UPI ID and PIN

Payment

• Login to the UPI Payment app
• Go to Payments section
• Click on Send Money
• Enter the Account number and Kotak credit card IFSC Code
• Enter the amount and Remarks
• Click on Pay and confirm the transaction

How to Pay Kotak Credit Card Bill through Phone Banking?

Kotak savings/current account holders can also make their Kotak credit card bill by calling the customer care of the bank. Choose the ‘Banking Option’ and request the customer service executive to transfer amount from your account to the credit card.

Kotak Credit Card Customer Care Number is 1860 266 2666.

How to Pay Kotak Credit Card Bill through Cheque?

Cardholders can also draw a cheque in favor of Kotak Mahindra Bank Credit Card Account in order to pay the bill.

Payable to Kotak Mahindra Bank Card A/C XXXX XXXX XXXX XXXX (16-Digit Card Number)

Cheque payment from a non-Kotak account may take up to 5 working days to reflect in your credit card account while for Kotak cheques, clearance takes only 1 day.

Over-the-Counter Payment of Kotak Credit Card Bills

Cardholders may also visit their nearest Kotak Mahindra Bank branch and pay their credit card bills in cash. Payment through cash will attract Rs. 100 + GST for every payment. The amount is credited within 24 hours.

The time taken by various fund transfer methods via which Kotak Mahindra Credit Card Payment can be made are given below:

Fund Transfer Method	Turn Around Time (TAT)
Mobile Banking	Instantly
Net Banking	24 hours
WebPay	3 working Days
NEFT/IMPS	NEFT – Between 30 minutes & 3 Days IMPS – Instantaneous
Auto Debit	Done 4 days before due date. Amount credited in 24 hours
Visa Payment	3 Working Days
Phone Banking	Within 24 hours
Over the Branch Counter	Within 24 hours
Cheque Payment	Kotak cheque – 1 working day Non-Kotak cheque – 5 working days
RTGS	Up to 3 working days

Can I use other bank’s credit cards to make Kotak credit card bill payment?

No. Credit Card to Credit Card payment facility is not available.

I paid the bill through Kotak Bill Desk but it has not been credited yet. What should I do?

Payment through bill desk may take 3-5 business days to be credited. If not credited in 5 days, you must contact the bank through which you have made the payment. Make sure that you keep the payment authorization email handy while calling the customer service of the bank.

Do I have to use NEFT if I have Kotak savings account?

You can use net banking to make payment of your Kotak credit card bills directly without having to go through the hassles of an NEFT payment.

Can I change the auto-debit instructions later?

Yes. You can connect to your bank to change the auto-debit instructions or to close it.