Kotak Mahindra Bank Credit Card

In addition to the top credit cards mentioned above, Kotak Mahindra Bank also offers some other cards that cater to the varied individual needs:

Credit Card	Annual Fee	Best Suited For
Kotak White Reserve Credit Card	Rs. 12,500	Premium Lifestyle
Kotak Privy League Signature Credit Card	Rs. 2,500 (Nil for Black/Platinum Banking customers)	Rewards
Kotak Mojo Platinum Credit Card	Rs. 1,000	Online Shopping
Kotak Royale Signature Credit Card	Rs. 999 (Nil for Privy League Optima & Insignia customers)	Rewards
Kotak PVR Platinum Credit Card	Rs. 999	Entertainment & Movies
Kotak IndiGo 6E Rewards Credit Card	Rs. 700	Travel
Kotak 811 #DreamDifferent Credit Card	Nil	Secured Card
Kotak UPI RuPay Credit Card	Nil	Virtual Card with Rewards Benefits

Note: Kotak Mahindra Bank is not taking new credit card applications. Content on this page is for information purpose only. 

Suggested Read: Check 25 Best Credit Cards in India for 2024 and find the right card as per your spending habits.

Some common fees and charges associated with Kotak Credit Cards are listed below:

Fee Type	Amount
Joining/Annual Fee	Depends on the credit card variant
Finance Charges	Up to 3.70% p.m. or 44.40% p.a.
Late Payment Fee	For Outstanding Balance of – Less than Rs. 100: Nil From Rs. 100 to Rs. 500: Rs. 100* From Rs. 501 to Rs. 1,000: Rs. 500 From Rs. 1,001 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 600 From Rs. 10,001 to Rs. 25,000: Rs. 800 From Rs. 25,001 to Rs. 50,000: Rs. 1,000 More than Rs. 50,000: Rs. 1,200

*For 811 #DreamDifferent Credit Card, late payment fee of Rs. 500 is charged for outstanding balance equal to or more than Rs. 100.

Click here for other fees & charges and detailed terms & conditions related to Kotak Mahindra Credit Cards.

In addition to having a good credit score (preferably above 750), most cards come with their own eligibility criteria which may include the age bracket and employment type with minimum income required that you must meet in order to be eligible for them. Here is the basic eligibility criteria and documents required from the applicant for Kotak Mahindra Bank Credit Cards:

• Age: Between 18 years and 65 years
• Employment: Salaried or Self-employed
• Documents Required: Click here for the list of acceptable documents for Kotak Mahindra Bank Credit Card application.

In addition to the above mentioned parameters, there are several other internal policies of Kotak Bank which determine your eligibility.

You can apply for Kotak Mahindra Bank Credit Cards online through our Paisabazaar platform by following the below-mentioned steps:

Step 1: Click here to go to the form on top of this page and provide your mobile number.
Step 2: Verify by entering the OTP sent to your mobile number to see the pre-qualified credit card offers that you are eligible for.
Step 3: Select your preferred Kotak Credit Card after comparing the offers.
Step 4: Complete the application process by filling the detailed form and providing the documents, as asked.

If you are unable to view the offer for a card of your choice on our platform, you may visit the respective bank’s website to apply there directly.

Here are some of the links that will help you manage your Kotak Credit Card better:

Kotak Credit Card Bill Payment	How to Block Kotak Credit Card	Track Kotak Credit Card Application Status
Kotak Credit Card Cash Withdrawal	Kotak Credit Card Offers	Kotak Credit Card Customer Care

Q. How to increase the Kotak Credit Card limit?
A. Kotak Mahindra Credit Card limit is increased automatically. The bank reviews your spending pattern and other factors like unpaid balances, your credit utilisation ratio, and then decides whether to offer an increase or not. Besides this, you can also contact customer care of Kotak Mahindra Bank and make a request to enhance your credit limit.

Q. How to generate a PIN for Kotak Mahindra Bank Credit Card?
A. You can generate the PIN for your Kotak Credit Card through net banking or mobile banking. All you need to do is log in to your account and navigate to the “Credit Card” section to generate the PIN. To generate your credit card PIN offline, you can contact the customer care of the bank and request for the same.

Q. How to close a Kotak Credit Card?
A. You can close your Kotak Credit Card by writing an application and submitting it at the nearest branch, emailing or contacting the customer care service. Before closing your credit card, make sure that all your dues are clear, all reward points are redeemed, and auto payments are cancelled.

Q. What can I do if my Kotak Mahindra Bank Credit Card is stolen or lost?
A. In case you lose your Kotak Mahindra Bank Credit Card, you can contact the customer care of the bank at 1860-266-2666 and for Kotak 811 at 1860-266-0811. It is important to report the loss of your credit card as soon as you notice it. The bank representative will ask for a few details and block your credit card to save you from any kind of fraud.

Q. What is the eligibility criteria to apply for credit cards from Kotak Mahindra Bank?
A. To apply for any of the Kotak Mahindra Bank Credit Cards, the cardholder should be in the age bracket of 18-65 years. The cardholder should also be an Indian citizen with a stable income or a Non-Resident Indian in the case of an NRI credit card. Some requirements like minimum income and the location of the cardholder vary as per the variant of the credit card.

Q. How to pay Kotak Credit Card bills online?
A. You can make Kotak Credit Card payments via net banking by logging in to the online portal of the bank. All you need to do is log in using your customer ID and password and then go to the ‘Credit Cards’ section. After this, you have to select ‘Payments’ from the menu, select the amount (total due, minimum due or custom) and click on ‘Make Payment’ to initiate the payment.

Q. How to check Kotak Credit Card application status?
A. To enquire about the Kotak Credit Card application status, you would require the application reference number or application form number which is provided by the bank to you at the time of the application. You can visit the official website of the bank and track your application status by entering that number.