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Key Features of Kotak Mahindra Bank Credit Cards

  • Wide Range of Cards: Travel, shopping, fuel, lifestyle, and premium cards.
  • Reward Points: Earn points on every spend, redeemable for vouchers, flights, and more.
  • Welcome Benefits: Discounts, gift vouchers, or bonus reward points on activation.
  • Contactless Payments: NFC-enabled cards for secure tap-and-pay transactions.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • EMI Conversion: Convert big purchases into easy EMIs.
  • Fuel Surcharge Waiver: Save on fuel transactions (varies by card).
  • Complimentary Airport Lounge Access: Available on select premium cards.
  • Dynamic Currency Conversion: Hassle-free international transactions.
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Benefits of Kotak Mahindra Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and entertainment.
  • Travel Perks: Free lounge access, flight discounts, and hotel deals.
  • Insurance Cover: Air accident cover, lost card liability, and purchase protection.
  • Flexible Repayment: Choose between full payment or minimum due.
  • Fuel Benefits: Waiver on fuel surcharge at partner petrol pumps.
  • Easy EMI Options: Convert high-value purchases into no-cost EMIs.
  • 24/7 Customer Support: Dedicated helpline for queries and emergencies.
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How to Apply for Kotak Mahindra Bank Credit Card?

  • Online Application: Visit Kotak Bank's website or mobile app.
  • Fill Details: Enter personal, employment, and income details.
  • Upload Documents: Submit KYC documents (PAN, Aadhaar, income proof).
  • Verification: Bank representative may call for verification.
  • Approval & Dispatch: Card approved and sent to registered address.

Eligibility Criteria for Kotak Credit Card

  • Age: 21 to 65 years (18+ for student cards).
  • Income: Minimum salary of ₹15,000–₹25,000 per month (varies by card).
  • Credit Score: 750+ improves approval chances.
  • Employment Status: Salaried, self-employed, or business owners.
  • Documentation: PAN, Aadhar, salary slips, bank statements.
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Factors to Consider Before Applying

  • Interest Rate: Typically 1.5% to 3.5% per month.
  • Annual Fee: Ranges from ₹500 to ₹10,000 (waived on spends).
  • Reward Structure: Check points redemption value.
  • Foreign Transaction Fees: Usually 3.5% + GST.
  • Credit Limit: Based on income and credit history.
  • Introductory Offers: Look for welcome bonuses, cashback, or free vouchers on first use.

How to Use Kotak Mahindra Bank Credit Card?

  • Online Shopping: Use card details on e-commerce sites for secure payments.
  • POS Swipe: Swipe at retail outlets for instant payments.
  • ATM Withdrawals: Available but attracts interest from day one.
  • Contactless Payments: Tap & pay for transactions under ₹5,000.
  • Bill Payments: Pay utility bills via Kotak Net Banking or mobile app.
  • International Transactions: Use abroad where Visa/Mastercard is accepted.

FAQs on Kotak Mahindra Bank Credit Cards

How to check Kotak credit card application status?
Visit Kotak Bank's website or call customer care.
What is the credit limit on Kotak cards?
Depends on income, credit score, and card type (usually ₹50,000–₹5L).
How to activate Kotak credit card?
Use Net Banking, Mobile App, or call customer care.
How to redeem Kotak reward points?
Log in to Net Banking or rewards portal for redemption options.
Is there a joining fee on Kotak credit cards?
Yes, but often waived on first-year spends (varies by card).
How to increase Kotak credit card limit?
Request via Net Banking or submit income proof for review.
What is the Kotak credit card late payment fee?
₹500–₹1,000 + GST (depends on outstanding amount).
Does Kotak offer lifetime free credit cards?
Yes, select cards like Kotak League Platinum are lifetime free.
How to block a lost Kotak credit card?
Call customer care or block via Net Banking/Mobile App.
What is the Kotak credit card grace period?
Up to 48 days interest-free (if full payment is made).

List of Kotak Mahindra Bank Credit Cards

  • Kotak League Platinum Credit Card
  • Kotak White Credit Card
  • Kotak PVR Platinum Credit Card
  • Kotak 811 Dream Different Credit Card
  • Kotak Rupay Credit Card (Co-branded with NPCI)
  • Kotak Aqua Gold Credit Card
  • Kotak Privy League Signature Credit Card
  • Kotak Indian Oil Credit Card (Co-branded with IOCL)
  • Kotak Myntra Credit Card
  • Kotak Urbane Gold Credit Card
  • Kotak Zen Signature Credit Card
  • Kotak Mojo Credit Card (Discontinued for new applicants)
  • Kotak Delight Platinum Credit Card
  • Kotak Silk Inspire Credit Card (For women)