Kotak Mahindra Bank Credit Card

Kotak Mahindra Bank offers a wide range of credit cards tailored to suit various financial needs, from entertainment and shopping to lifestyle perks and cashback rewards. With a straightforward online application process, Kotak Mahindra Bank provides benefits such as attractive reward points, fee waivers, and discounts on premium brands. 

Check out some of the best Kotak Mahindra Bank credit cards with details on categories, joining fees, and annual fees, to help you find the one that suits you best:

Kotak Mahindra Bank’s credit cards offer several attractive features and benefits. Here are some of the notable ones:

Flexible Rewards and Bonuses

Earn bonus reward points based on your credit card usage, giving you the opportunity to maximise your rewards periodically.

Annual Fee Waivers

Meet the minimum spending threshold and enjoy an annual fee waiver on your Kotak Mahindra credit card.

Exclusive Gift Vouchers

Indulge in premium shopping experiences with gift vouchers from top brands, allowing you to shop to your heart’s content.

Monthly Bill Discounts

Save more on your grocery shopping with discounts on your monthly bills, helping you manage your finances effectively.

Lifestyle Perks and Freebies

Access a variety of freebies and discounts on lifestyle products, enhancing your day-to-day experiences.

Fuel Surcharge Waiver

Enjoy a fuel surcharge waiver at fuel stations nationwide, making your travels more economical with Kotak Mahindra credit cards.

Complimentary Airport Lounge Access

Travel comfortably with complimentary access to airport lounges at both international and domestic airports.

Exciting Cashback Offers

Get enticing cashback offers on your online and offline purchases, providing substantial savings on all your expenses.

The Kotak Mahindra Bank Credit Card Rewards Programme allows cardholders to earn and redeem points on everyday purchases, from shopping and dining to travel and more. Simply use your credit card, accumulate reward points, and redeem them on the Kotak Rewards portal. Choose from a wide range of rewards, including flights, hotel bookings, mobile recharges, gift vouchers, and other retail options.

Offering flexibility and value, this programme enables cardholders to use their points in a way that best suits their preferences. With a variety of popular brands available, managing and exploring your rewards is simple—just visit the Kotak Rewards website to make the most of your points.

Before applying for a Kotak Mahindra Bank credit card, ensure you meet the following eligibility requirements:

• You must be at least 18 years old

• Your annual income should satisfy the specified limit for the chosen credit card

• A good credit score is essential

• Credit cards are available to both salaried and self-employed individuals

When applying for a credit card from Kotak Mahindra Bank, you must submit certain documents. Take a look at the required details given below:

• Identity proof such as Aadhaar card, valid driving licence, voter ID, or passport

• Age proof such as Aadhaar card or passport

• Address proof such as Aadhaar card and utility bills

• Income and employment proof such as latest salary slips and income tax returns for the past three years

Kotak Mahindra Bank credit cards are not available on Bajaj Markets. However, if you want to apply for a credit card online, you can follow these steps:

1. Visit Kotak Mahindra Bank’s official website
2. Navigate to the credit cards section
3. Compare the available cards and choose the one that suits your needs
4. Click on ‘Apply Now’
5. Fill in the required details in the provided fields
6. Submit the application form along with the necessary supporting documents
7. Once you have submitted your application, it would undergo verification and approval
8. Track your application status on the Kotak Mahindra Bank’s website
9. Upon approval, your credit card will be delivered to your address

Note: You can also apply offline by visiting the nearest Kotak Mahindra Bank branch. Speak to a customer service representative, request a credit card application form, and follow the instructions provided.

Kotak Mahindra Bank is one of India’s leading banks, offering a wide range of banking and financial services tailored to individuals and businesses. Since its inception in 1985, the bank has grown to serve millions of customers across retail, corporate, and institutional sectors. With a primary focus on innovation and a customer-centric approach, Kotak Mahindra Bank provides services and products such as credit cards, personal and corporate banking, investment solutions, and much more—all designed to help customers achieve their financial goals.

Kotak Mahindra Bank credit cards are supported by major payment networks, including Visa, Mastercard, and RuPay. These are reputable payment networks recognised both internationally and domestically, which allow for seamless transactions wherever you are. Each network partnered with Kotak Mahindra Bank offers its own set of unique features and benefits, such as travel, dining, and shopping.

Kotak Mahindra Bank credit cards have several fees and charges including fees for joining, annual, interest on outstanding balances, cash advances, and more. These fees vary depending on the credit card you opt for and your usage. Below is a table that explains the fees and charges associated with some of the Kotak Mahindra Bank credit cards:

Kotak Mahindra Bank has established a 24/7 customer service department to address any customer complaints and queries. If you have questions regarding your credit card, you may use one of the following methods:

Call

• You can connect with them on their 24/7 helpline at 1860 266 2666 for any credit card-related queries

• In case of fraudulent activities or unauthorised transactions on your credit card, you can reach them on their 24/7 helpline at 1800 209 0000

Web Chat

You can contact the virtual chat assistant, ‘Keya,’ for any questions.

Post

You can write a letter and post it to:

27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051

The process to activate your Kotak Mahindra Bank credit card is straightforward. Additionally, there are several methods to do so.

Here is how you can activate your credit card via NetBanking:

1. Visit Kotak Mahindra Bank's official website

2. Sign into your account using your credentials

3. Enter your credit card and other details

4. Confirm the details you have entered

5. Click on ‘Submit’

6. Enter the OTP sent to your registered mobile number

7. Follow the steps after entering the OTP to activate your credit card

Here is how you can activate your credit card via the Mobile App:

1. Download the Kotak Mahindra Bank’s mobile app from the Play Store or App Store

2. Create your account

3. Navigate to the credit card section of the app

4. Enter your credit card details

5. Fill in the other required details

6. Confirm the details you have entered and click on ‘Submit’

7. Enter the OTP sent to your registered mobile number

8. Follow the steps mentioned after entering the OTP to activate your credit card

Here are some of the convenient ways to activate your card offline:

1. Activate your card by visiting the nearest Kotak Mahindra Bank branch

2. Activate your card by sending an SMS to 9971056767 or 5676788 from your registered mobile number

3. Activate your card by giving a missed call on 7669010000 from your registered mobile number

You can head to the official ways to know more about how to activate the card.

The process for closing your existing Kotak Mahindra Bank credit card is simple and straightforward. You can follow these steps to ensure that the process is completed smoothly without any issues. Before initiating a closure request, it is important to clear all outstanding balances on the card and claim any remaining reward points.

Here are the steps to close an existing Kotak Mahindra Bank credit card:

1. Reach out to customer support, request the closure, and confirm your identity

2. You may need to send a written request to the bank, including your full name, details of the card you wish to close, and your contact information

3. Once the bank confirms your closure request, cut the credit card into pieces across the magnetic stripe

4. Request a confirmation letter from the bank, as this serves as proof that your card has been closed and that there are no outstanding dues

Kotak Mahindra Bank has established clear practices regarding defaults on credit card payments and overdue balances. It is important to understand these practices and the consequences of defaulting on payments.

Late Payment Fees

Kotak Mahindra Bank charges late payment fees on overdue payments, which vary depending on the outstanding amount. These fees are levied to encourage timely payments and help you avoid unnecessary costs.

Impact on Credit Score

In cases of repeated defaults and outstanding overdues, Kotak Mahindra Bank will report the account to credit bureaus, which can severely impact your credit score.

Suspension

Kotak Mahindra Bank may suspend the credit card entirely to protect the bank from further risks and limit your ability to accumulate more debt.

Legal Actions

In severe cases, Kotak Mahindra Bank may initiate legal action against the cardholder.