Kotak Mahindra Bank Credit Card

Kotak Mahindra is a group that has been serving customers in India since 1985. The bank provides different financial solutions for individuals and companies based on their needs. They also offer investment products like Mutual Funds, life insurance, and stockbroking. In addition to these services, the bank offers credit cards with great features and benefits. They introduced credit cards in 2008, and currently, there are 4,597,686 active credit cards, which shows that customers are happy with the bank’s services. It has a variety of credit cards to choose from. They have different types of cards, ranging from basic to premium categories. These credit cards are designed to meet different individual needs. Depending on what you’re looking for, they offer cards with rewards, cashback, discounts, travel benefits, movie benefits, and much more. To learn more about Kotak Mahindra’s credit cards, keep reading to find out about some of the best cards they offer.

Features and Benefits of Kotak Mahindra Bank Credit Card

  • Convert purchases over Rs. 2,500 into monthly installments, whether it’s a new smartphone or flight tickets.
  • If you can’t pay off your balance all at once, choose balance EMI conversion with attractive interest rates.
  • Easily manage your debt by transferring outstanding balances from other credit cards to your Kotak card, with a 90-day interest-free period.
  • Access cash anytime, anywhere through ATMs, branches, online fund transfers, or by requesting a demand draft.
  • Never miss a bill payment with Kotak’s Visa bill payment option. Use your Kotak credit card for online bill payments, and it’s free.

Kotak Mahindra Credit Card Eligibility Criteria

Age: 21 years of age or older.
Occupation : Both salaried and self-employed individuals.
Nationality: The applicant must be an Indian citizen.
Credit score: You need to have a good credit score.

Documents Required

  • Identity proof such as Aadhar/PAN card, driver’s license.
  • Address proof such as electricity/telephone bill, driving licence.
  • Income proof such as latest payslips, Form 16.

How To Apply for Kotak Credit Card?

  1. Go to the official Kotak Mahindra website.
  2. Click on the ‘Explore Products’ tab.
  3. Choose ‘Cards’ from the options.
  4. Select ‘Credit Cards’ from the available choices.
  5. You will be taken to a page showing all the credit cards offered by Kotak.
  6. Look for a card that you want to apply for.
  7. Click on ‘Apply Now’ for that card.
  8. Fill in the required details to complete your application.

List of Best Kotak Mahindra Credit Cards

For Reward Points:
Kotak Royale Signature Credit Card

  • Get 4 times the reward points for every Rs.150 spent.
  • Get a maximum fuel surcharge waiver of Rs.3,500 per year.
  • Earn 10,000 bonus reward points for every Rs.4,00,000 spent.
  • Enjoy free access to lounges at domestic airports.
  • If your credit card is lost or stolen, the bank will cover up to Rs.2,50,000 against fraudulent usage within seven days of reporting it.

Kotak Urbane Gold Credit Card

  • You can earn 3 times the reward points for every Rs.100 you spend on shopping.
  • If you spend Rs.1 lakh in a year, you will get 10,000 reward points or four free PVR movie tickets.
  • You can redeem the reward points in blocks of 1,000, where 1,000 points are worth Rs.75.
  • If your credit card is stolen and you have Urbane Shield, you will be covered by insurance for up to Rs.50,000.

Kotak League Platinum Card

  • Earn up to 8 times reward points for every Rs.150 you spend.
  • Spend Rs.1.25 lakh every six months to get 10,000 reward points or four free PVR movie tickets.
  • Enjoy fuel and railway surcharge waivers for your transport-related transactions.
  • Receive a Rs.500 movie voucher as a joining gift.

For Entertainment:
Kotak PVR Platinum Credit Card

  • Spend Rs.10,000 or more in a month to get two free PVR movie tickets.
  • Save up to Rs.9,600 in a year with up to 24 free PVR movie tickets.
  • No need to pay any joining fees for this card.
  • If your card is lost or stolen, you’ll be protected with insurance coverage up to Rs.75,000 through PVR Shield.

Kotak PVR Gold Credit Card

  • If you spend more than Rs. 10,000 in a month, you get a free PVR ticket.
  • If you spend more than Rs. 15,000 in a month, you get two free PVR tickets.
  • You can save up to 5% on your expenses in a year.
  • In a year, you can earn up to 24 free PVR tickets worth Rs. 9,600.

Kotak Aqua Gold Credit Card

  • This card is connected to your term deposit.
  • The minimum amount for the term deposit is Rs.25,000.
  • You can get a credit limit of up to 80% of your term deposit.
  • If you spend Rs.1.5 lakh in a year, you can either get four free PVR tickets or Rs.750 cashback.
  • You can enjoy benefits like a waiver on fuel and railway surcharges.

For Dining:
Kotak Delight Platinum Credit Card

  • Get 10% cashback on dining and entertainment when you spend Rs.10,000 on other expenses.
  • No need to pay extra fees for fuel or railway charges.
  • Spend at least Rs.1.25 lakh every six months to receive either Rs.750 as cashback or four free movie tickets for PVR.
  • If your card gets stolen, you’ll be covered with insurance for up to Rs.1.25 lakh through Delight Shield.

For Shopping:
Kotak Essentia Platinum Credit Card

  • This credit card is great for smart shoppers.
  • You can earn extra saving points when you buy important things.
  • For every Rs.100 you spend, you get ten saving points.
  • You can get a 10% discount when you shop at certain grocery stores.
  • You’ll receive discount vouchers for shopping online.
  • If you spend Rs.1,25,000 every six months, you’ll get six PVR movie tickets.

Kotak Solaris Platinum Credit Card

  • Earn 5x reward points for every Rs.150 spent on online purchases.
  • Earn 2x reward points for every Rs.150 spent on other expenses.
  • Receive 4,000 bonus reward points when you spend Rs.2 lakh during the program period.
  • Receive 10,000 bonus reward points when you spend Rs.4 lakh during the program period.

Kotak Silk Inspire Credit Card

  • This card is connected to a special bank deposit that requires at least Rs.50,000.
  • You can earn up to 5 times the reward points for every Rs.100 you spend on clothes.
  • In each billing cycle, you need to spend a minimum of Rs.7,500 on shopping.
  • For all other expenses, you earn 1 reward point for every Rs.200 spent.
  • Every 6 months, if you spend Rs.1.25 lakh, you can either get 1,000 reward points or four free movie tickets for PVR cinemas.

Kotak Credit Cards Customer Care

Need Help with Your Kotak Bank Credit Card? Here’s How to Reach Customer Care:

Call: If you need immediate assistance, you can simply give a call to the Kotak Bank Credit Card customer care at 1860 266 2666.

Email: Alternatively, you can also reach out to them by sending an email to [email protected]. Just explain your doubts or concerns, and they’ll get back to you.

Visit the Branch: If you’re unable to resolve your queries through phone or email, you can visit the nearest Kotak Bank branch. The friendly staff there will be happy to assist you.

Whether it’s a quick question or a pressing issue, Kotak Bank’s customer care is there to help you with your Credit Card concerns.