Kotak Mahindra Bank offers a wide range of credit cards with great benefits offered in the form of reward points and exclusive card advantages. You can choose from a variety of cards that suit your financial profile and spending needs.
Best Kotak Mahindra Bank Credit Cards in India
| Kotak Mahindra Credit Cards | Joining Fee (in Rs.) | Annual Fee (in Rs.) | Key Features |
| Essentia Platinum Credit Card | 1,499 | Â Â Â Â Â 749 | Get 6 free PVR movie tickets on spending Rs.1,25,000 every 6 months or 1200 reward points |
| Kotak Delight Platinum Credit Card | Â 1,999 | Â Â Â Â Â 299 | Avail 10% cash-back on dining every month on spending a minimum of Rs.10,000 with this credit card |
| Kotak PVR Gold Credit Card | Â Â Â Â Â Â Â Â Â Â Â Â Â Nil | Â Â Â Â Â Â Â Â Â Â Â 499 | Get 1 free PVR movie ticket every month on spending Rs.10,000 and above in monthly billing cycle and 2 free PVR tickets on spending Rs.15,000 and above in a monthly billing cycle |
| Â | Â Â Â Â Â Â Â Â Â Â Â Â Â Nil | Â Â Â Â Â Â Â Â Â Â Â 999 | Get 2 free PVR movie tickets every month on spending Rs.10,000 and above in a monthly billing cycle |
Kotak Mahindra Bank Credit Card - Features and Benefits
Features and benefits of top Kotak Mahindra Bank credit cards are as follows:
Essentia Platinum Credit Card
Best suited for: Rewards Movies Shopping
Kotak Mahindra Bank Essentia credit card is great for shopaholics. They get huge benefits on online shopping, movies and retail shopping. Cardholders also enjoy effective rewards program with this card. Read More
Key Highlights
Additional Savings – 10% savings on departmental and grocery store spends.
Movie Benefits – Spend Rs.1,25,000 every 6 months and get 6 free PVR tickets or 1,200 reward points.
Reward Points – Redeem your reward points against cash, airline tickets, air miles, movie tickets, mobile recharge and branded merchandise.
FAQs
What is the annual fee charged on Kotak Essentia Platinum Credit Card?
The annual fee charged on Kotak Essentia Platinum Credit Card is Rs. 749.
Is there a joining fee on Kotak Essentia Platinum Credit Card?
Yes, there is a joining fee on Kotak Essentia Platinum Credit Card. The fee is just Rs. 1,499.
What is the reward scheme on this credit card?
Customers earn 10 saving points per Rs. 100 spent at grocery and departmental store expenditure. 1 saving point is earned for every Rs. 250 spent on other categories.
Are there any milestone benefits associated with this credit card?
Yes, users are given 6 PVR tickets or 1200 reward points if they spend Rs. 1.25 lakh in 6 billing cycles
Kotak Delight Platinum Credit Card
Best suited for: Fuel Movies Dining
A dining credit card by Kotak Mahindra Bank, Kotak Delight offers huge benefits on movies, dining and shopping. The card is best suited for those who like to dine out quite frequently or spend on shopping and earn in cashbacks. Read More
Key Highlights
Movie and Dining Discounts – Get 10% Cashback on all your Dining & Movie spends.
CashBack Benefits – Avail maximum cash-back of Rs.600 per billing cycle along with spending Rs.10,000 on categories other than dining and entertainment within the billing cycle to avail cash-back.
Movie Benefits – Spend Rs.1,25,000 every 6 months and get 4 free PVR tickets.
Convenience Fee Waiver – 1.8% railway surcharge waiver for transactions on www.irctc.co.in * 2.5% for transactions on Indian Railways Booking Counters.
FAQs
What is the annual fee charged on this credit card?
The annual fee charged on this credit card is Rs. 299.
Is there a joining fee associated with this credit card?
Yes, customers will have to pay a joining fee of Rs. 1,999 to avail Kotak Delight Platinum Credit Card.
What offers are available on this credit card?
Users get 10% off on dining and movie transactions. Besides this users also get surcharge waiver on fuel and railway ticket bookings.
What is the interest rate charged on this credit card?
The interest rate charged on this credit card is 3.50% per month/42% per annum.
Kotak PVR Gold Credit Card
Best suited for: Movies Rewards Shopping
Best suited for movie buffs, Kotak PVR Gold credit card features some unparalleled benefits such as free movie tickets every month and complimentary offers on shopping. Read More
Key Highlights
Shopping Benefits – Shop anywhere in India and earn complimentary PVR movie tickets all around the year.
Movie Benefits – Get 1 free PVR movie ticket* every month on spending Rs.10,000 and above in a monthly billing cycle. You can also avail 2 PVR movie tickets* every month on spending Rs.15,000 and above in a monthly billing cycle. (Terms and Conditions apply)
Card Coverage – Get coverage of Rs.50,000 to protect your card from unauthorized transactions on both primary and add-on cards.
FAQs
What is the annual fee charged on Kotak PVR Gold Credit Card?
The annual fee charged on Kotak PVR Gold Credit Card is Rs. 499.
Is there a joining fee on Kotak PVR Gold Credit Card?
No, Kotak PVR Gold Credit Card does not charge a joining fee.
What is the finance charge on this credit card?
The finance charge on this credit card is 3.50% per month/ 42% per annum.
What movie offers is provided to cardholders?
Users can get 1 movie ticket per month on spending Rs. 7500 and 2 movie tickets if they spend over Rs. 15,000 in a billing cycle.
Kotak PVR Platinum Card
Best suited for: Rewards Movies Shopping
An enhanced version of the Kotak PVR Gold credit card, PVR Platinum credit card users can earn complimentary PVR tickets all around the year by shopping anywhere in India. Read More
Key Highlights
Shopping Benefits – Shop anywhere in India and earn complimentary PVR movie tickets all around the year.
Movie Benefits – Get 2 free PVR movie tickets* every month on spends of Rs. 10,000 and above in a monthly billing cycle. (Terms and Conditions apply)
Insurance Cover – Enjoy the free insurance cover in case of a lost or stolen card. Also, get insurance worth Rs.75,000 per year on both primary and add-on cards.
FAQs
What is the annual fee charged on Kotak Bank PVR Platinum Credit Card?
The annual fee charged on Kotak Bank PVR Platinum Credit Card is Rs. 999.
Is there a joining fee on Kotak Bank PVR Platinum Credit Card?
No, Kotak Bank PVR Platinum Credit Card does not charge a joining fee.
What are the offers on Kotak Bank PVR Platinum Credit Card?
Users can get 2 movie tickets every month if they spend Rs. 10,000 in a month.
Is the card available to anyone residing in India?
No, only people living in Bangalore, Noida, Chennai, Ahmedabad, Gurgaon, Kolkata, Mumbai, Navi Mumbai, Delhi, Chandigarh, Hyderabad, and Pune can apply for this credit card.
Other Kotak Mahindra Bank Credit Cards
Note: The cards mentioned below are not available on Paisabazaar.com. Kindly visit the official website of Kotak Mahindra Bank to apply
| Kotak Mahindra Credit Cards | Joining Fee (in Rs.) | Annual Fee (in Rs.) | Key Features |
| Royale Signature Credit Cards | 1499 | 999 | Earn up to 4X Reward Points on every Rs.150 spent across all categories. Also, get up to 30,000 Reward Points on annual spend of Rs.8 lakh |
| Urbane Gold Credit Card | Nil | 199 | Earn 3X Reward Points against every Rs.100 spent on retail; Get 4 PVR tickets or 10,000 reward points on spending Rs.1,00,000 |
| Wealth Management Infinite Credit Card | Nil | Nil | Personalised credit card design; get access to the international events |
| Privy League Signature Credit Card | Nil | Nil | Earn 5X Reward Points on shopping and travel plans; 1% fuel surcharge across all the petrol pumps in India |
| Fortune Gold Credit Card | Nil | Nil | Fortune Shield of Rs.50,000 in case you lose your credit card up to 7 days of pre-reporting; get 4 PVR tickets on spending Rs.1,50,000 in a year |
| Solaris Platinum Credit Card | 500 | 500 | Earn 5X Reward Points on every Rs.150 spent on online shopping and 2X Reward Points on other spends |
| Silk Inspire Credit Card | 599 | 599 | Avail 4 PVR tickets on spending Rs.1, 25,000 every 6 months along with Silk Inspired Shield of Rs.75, 000 in case your card is stolen and reported within 7 days. |
| League Platinum Credit Card | Rs.500/Nil | Â Â Â Â Â Â Â Â Â Rs.499 | Earn up to 8X Reward Points on every Rs.150 spent from this card and avail movie voucher of Rs.500 as a joining gift |
| Best Price Credit Card | Nil | Nil | Purchases with Best Price Card can get you two free Add-on card |
| Corporate Wealth Signature Card | Nil | Nil | Earn higher earnings and cash back with this credit card along with fuel surcharge waiver applicable on transactions between Rs.500 and Rs.3000 |
| Corporate Platinum Credit Card | Nil | Nil | Earn Higher Reward Points along with access to Airport Lounge |
| NRI Royale Signature Credit Card | Nil | 1,000 | Earn 2X Reward Points outside India for every Rs.200 spent and 1 Reward Point for every Rs.200 spent |
| Feast Gold Credit Card | Nil | 499 | Earn 10 dining points on every Rs.100 spent on movies and dining along with balance transfer facility |
| Aqua Gold Credit Card | Nil | Nil | Interest Free cash up to 48 days throughout the year along with aqua shield cover of Rs.50,000 if your card is stolen up to 7 days of pre-reporting |
| Corporate Gold Credit Card | Nil | 1,000 | Earn higher Reward Point earnings along with fuel surcharge waiver between Rs.500 to Rs.3000 |
Kotak Mahindra Bank Credit Card Eligibility and Documentation
Following are the eligibility criteria to apply for Kotak Mahindra Bank credit cards:
• The card holder should be in the age bracket of 21-65 years
• Should be a resident of India
• The minimum monthly income criteria vary for different credit cards
Below mentioned are some of the basic documents that the bank will ask in order to apply for a credit card:
| Â Proof of Identity |
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| Proof of Address |
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| Proof of Income |
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How to Apply for Kotak Mahindra Bank Credit Card
One can apply for Kotak Mahindra Bank’s credit card catering to all the financial needs with the below-mentioned steps:
Step 1 – Click here to begin with your credit card application
Step 2 – Fill the basic information like your name, address, date of birth, monthly income etc.
Step 3 – List of credit cards matching your eligibility will be shown to you.
Step 4- Select the card that suits your financial requirement. The bank will then go through the credit card application and if your application is approved, the bank will dispatch your card, which will be delivered to you within a few working days.
How to check Kotak Mahindra Bank Credit Card application status?
To check the status of your credit card application, you can visit Kotak Mahindra Bank’s Track your Application Status. You will need to fill the application number or the form number post which the bank will notify you with the progress of your application. You may get the following results:
In Process – Your application is being reviewed by the bank
On Hold – Due to any missing information or incorrect information, the bank may put your application on hold. At this stage, the bank might contact you to know the correct information
Dispatched – Your credit card application has been approved and is dispatched by the bank.
Rejected – Your application may have been rejected due to any wrong information, low credit score or your financial profile does not meet the eligibility criteria of the bank.
Kotak Mahindra Bank Credit Card Bill Payment
There are number of ways you can pay Kotak Mahindra Credit Card bills:
1. Mobile Banking: You can pay the credit card bills with Kotak Mahindra Mobile Application. On the homepage, go to Select Credit Card tab and make your card payment under the CC Payments Tab.
2. Internet Banking: If you have the internet banking registered with the bank, you can easily make the payment through the savings or your salary account
3. WebPay: Through this service, you can pay the bills of your credit card online with an account from any other bank as well.
4. IMPS/NEFT: You can login to your internet banking with Kotak Mahindra Bank and pay your bills with IMPS or NEFT facility. Here are the details that you can use to do the payment-
Payee Name – 4166xxxxxxxxxxxxxxxxxxx Customer Name
Select Location – Mumbai
Select Destination Bank – Kotak Bank
Bank Address – Main Branch Mumbai
IFSC – KKBK0000958
Update Payee Account Number – 4166xxxxxxxxxxxxxxxxxxx (your 16 digit credit card number)
5. Payment at Bank Branch: You can visit your nearest Kotak Mahindra Bank Branch by cash or by cheque.
Kotak Mahindra Bank Credit Card Customer Care
Kotak Bank credit card holders can contact the Kotak Bank credit card customer care for any unresolved query via call, email and SMS. Here are the details:
Kotak credit card customer care number: 1860 266 2666 (local call rates applied)
Kotak credit card customer care Email ID: Kotak credit card holders can submit their grievances or queries through a complaint form given on Kotak official website. Customers need to mention their registered email ID.
Kotak credit card customer care SMS: SMS to 9971056767 or 5676788 for knowing your credit card balance, due amount, last payment, etc.
Kotak Mahindra Bank Credit Card FAQs
What can I do if my credit card is stolen or lost?
In case you lose your credit card, you can contact the customer care of Kotak Mahindra Bank at 1860-266-2666 and for 811 customers at 1860-266-0811
What are the preferred credit cards for shopping?
Credit Cards that are ideal for the purpose of shopping are – Essentia Platinum credit card, League Platinum credit card, Urbane Gold credit card, Silk Inspire credit card and Solaris Platinum credit card
Which credit card is best suitable for women?
Kotak Silk Inspire Platinum credit card is designed specifically for women. Be it shopping or travel, women can avail reward points and benefits on this card.
What are the eligibility criteria to apply for credit cards from Kotak Mahindra Bank?
Below are the basic eligibility criteria:
• The cardholder should be in the age bracket of 21-65 years
• Should be an Indian citizen with a stable income
• The minimum income requirement and the location of the cardholder varies for different cards
Which are the best Kotak Mahindra credit cards for movie buffs?
The bank offers PVR Platinum credit card and PVR Gold credit card for individuals who love to watch movies
What is the annual fee of Kotak Mahindra credit cards?
The annual fee starts from Rs.199 onwards.
