Kotak Mahindra Credit Card

Kotak Mahindra Bank offers a wide range of credit cards with great benefits 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. Here we have dividedtop Kotak Credit Cards into four categories as shown below.

Kotak Delight Platinum Credit Card

Key Highlights

Movie and Dining Discounts – 10% Cashback on all your Dining & Movie spends

CashBack Benefits – Maximum cash-back of Rs.600 per billing cycle

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

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Kotak Royale Signature Credit Card

Key Highlights

Lounge Access – Get 2 free Visa Lounge Visits per quarter.

Reward Points – Earn up to 4X reward points on travel related expenses like hotels, restaurants, international spends, and so on. Redeem reward points against air tickets, mobile recharge, merchandise and more.

Fraudulent Coverage – Get coverage of Rs. 2.50 Lakh against fraudulent credit card usage. Cover is provided up to 7 days before the date of reporting.

Waiver – Get fuel and rail surcharge waiver of 1% and 1.80% respectively. Rail waiver is provided when spending on IRCTC only.

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Kotak Essentia Platinum Credit Card

Key Highlights

Savings – Get 10% savings, up to Rs. 500, on departmental and grocery store spends. Also, earn 1 Saving Point per Rs. 250 spent on other categories.

Movie Benefits – Get 1,200 reward points/6 free PVR movie tickets on spending Rs.1.25 lakh every 6 months.

Reward Points – Redeem your reward points against cash, merchandise, airline tickets, air miles, movie tickets, etc.

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Kotak League Platinum Credit Card

Key Highlights

Reward Points: Earn up to 8X reward points for every Rs. 150 spent in any category. Please note that 8X rewards will be applicable only after you reach annual spends of Rs. 2 Lakh on the card. Before that, only the spends on the following categories will earn 8X rewards and the rest will earn 4X rewards:

• Travel Agencies and Tour Operators
• Package Tour Operators
• Airlines and Air Carriers
• Durable Goods
• Departmental Stores
• Durable Goods

Movies Offer: Earn 10,000 reward points or 4 free PVR tickets on spending Rs. 1.25 lakh or more every 6 months.

Fraudulent Coverage: Get a cover of Rs. 1.25 lakh against fraudulent usage. Coverage is provided for up to a week before reporting.

Surcharge Waiver – Get Fuel and Rail (only on IRCTC website) surcharge waiver.

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Kotak Urbane Gold Credit Card

Key Highlights

Reward Points – Get 3 Reward Points for every Rs. 100 spent.

Milestone Benefit – Spend Rs. 1.00 Lakh and avail 10,000 Bonus Reward Points or 4 free PVR movie tickets.

Fraudulent Coverage – Get cover of up to Rs. 50,000 cover against unauthorized usage made on the credit card. It covers all transactions done 7 days before the loss was reported.

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Kotak Solaris Platinum Credit Card

Key Highlights

Reward Points – Earn 5X Reward Points for every Rs. 150 spent online. 2X reward points are earned on other transactions.

Welcome Offer – Earn 2,500 reward points after paying joining fee and making a purchase via the credit card within 60 days.

Annual Fee Waiver – It can be availed by spending Rs. 75,000 in a year.

Fraudulent Coverage – Avail coverage of Rs. 1.25 lakh against unauthorised transactions. It is valid on all transactions made up to 7 days before the day of reporting.

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Kotak PVR Gold Credit Card

Key Highlights

Shopping Benefits – Complimentary PVR movie tickets round the year for shopping transactions.

Movie Benefits – 1 free PVR movie ticket* every month on spending Rs. 10,000 and above in a monthly billing cycle.

Card Coverage – Coverage of Rs. 50,000 for card protection against unauthorized transactions.

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Kotak PVR Platinum Credit Card

Key Highlights

Shopping Benefits – Shop anywhere in India to get complimentary PVR movie tickets.

Movie Benefits – 2 free PVR movie tickets* every month on spends of Rs. 10,000 and above.

Insurance Cover – Free insurance cover worth Rs. 75,000 per year for lost or stolen card.

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Kotak Mahindra Bank gives value back to its credit card holders for using the card, in the form of reward points and cash back. The earn rate on certain Kotak credit cards is given below.

How to Redeem Kotak Credit Card Reward Points?

Customers can redeem their reward points against many items, vouchers, cashback and more. To redeem Kotak Credit Card Reward Points, follow the steps given below:

• Click here to visit Kotak Mahindra Bank’ s website
• Click on Net Banking
• Login by providing CRN or User Name along with Password
• Provide the One Time Password (OTP)
• Select Credit Cards
• Click on Reward Redemption option of choice
• Follow the onscreen instructions to complete the order

Do note when redeeming against Airline tickets, Merchandise, Mobile recharge, Reward points must be converted to Easy Points. The conversion ratio varies from card to card. Also, not all Kotak credit cards offer reward points.

Applicants of Kotak Mahindra Bank credit cards must meet certain criteria set by the bank in order to get their application accepted. The criteria can be credit score, age, monthly income, location, etc.

• Applicants should have a steady source of income
• They must be above 21 years but below 65 years of age.
• Certain credit cards are given to Indians who reside in the following cities; Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune.

Documents Required

The bank will seek certain documents to verify the information provided in the application form and to decide the credit limit on the card. List of eligible documents among the different categories is given below.

Currently Paisabazaar does not provide Kotak Mahindra Bank’s credit card. You may visit the bank’s website or branch in order to apply for their credit cards.

If you want to find other bank’s credit cards that you are eligible for at Paisabazaar.com click here.

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.

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.