Kotak Credit Card – Different Types, Eligibility, Apply Online, Login, Status, PIN Generates, Statement, Offers, Mobile App

Kotak Credit Card

Kotak Mahindra bank offers variety of credit card.  Kotak Bank has several branches in different cities of India. Bank has branches at various cities of India as well as outside India.  The application process for a new credit card, online operation of credit card etc. are quite simple. Kotak bank has provided easy online process to perform these processes.

Our research team has collected all the different essential information related to Kotak credit card and presented it for the people who want to know the details.

Choose your Kotak Credit Card

Kotak Credit Card can be classified into five categories as per customers convenient – Cash back, Rewards, High value, Low fees and Commercials.

Delight Platinum Credit Card (Cash Back)  

Delight platinum credit card is known for high cash back on purchase.

• If you are spending INR 10,000 per month then you will eligible for 10% cash back on dinning and movies.
• Cash back- A cash back of INR 600 is admissible if transaction in a month exceeds INR 4000/- in dining and movie.
• Oil surcharge waiver- You are eligible for yearly oil surcharge waiver of INR 4500 per annum, card is allowed in all the oil outlet and complete 2.5% waiver in oil surcharge.
• Irctc dot com waiver – Card holder can avail INR 500 per annum waiver in ticket booking surcharge.
• Milestone cash back – If you achieve the purchase of INR 1.25 Lakh in 6 months then you will get 4 PVR tickets i.e. INR 750/- , this you can earn 8 PVR ot INR 1500/- per annum.
•  Shield from Fraud- Delight platinum credit card is guaranteed from any fraud of INR 1.25 lakh, customer require to report the loss of money maximum in 7 days.
• Facility of Add-on card – Add-on card is allowed with the Delight platinum credit card for the family members. All the first card benefits are available with add-on card also. 18 years is the minimum age of the add-on card holder.
• Eligibility – Indian resident having age 21-65 years are eligible for the Delight platinum credit card.
• Fees and charges – INR 1999/- is the joining fees and yearly renewable charge is INR299/-

Urban Gold Credit Card (Reward card)

Welcome gifts in terms of high reward point are the main feature of Urban Gold Credit card. There are numerous reward opportunities to the card holder of Urban Gold Credit Card

• Retail spends – 3X reward points on every INR 100 of retail purchase.
• Redeem the points – INR 75 is allowed to redeem on every 1000 reward points.
• Coverage of credit card- INR 50,000/- is covered against any fraudulent usage, client have to report the bank within 7 days.
•  Milestone benefits – Achieve the purchase mile stone  of INR 1 Lakh in one year and earn free 4 PVR tickets i.e. INR 750/-  plus 2000 credit points in a year.
• Tracking of Add-on card – Add-on card is allowed with the Urban Gold credit card for the family members. There is facility of tracking and limiting the maximum purchase limit by first card holder. All the first card benefits are available with add-on card also. 18 years is the minimum age of the add-on card holder.
• Eligibility – Indian resident having age 21-65 years are eligible for the Delight platinum credit card.
• Fees and charges – No joining fees is required. Zero joining  fees but yearly renewable charge is INR 199/-
•  Free movie tickets – There is facility of free movie tickets by pvrmovie dot com, this is allowed on purchase of movie ticket of INR 400/-

League Platinum Credit Card 

High reward points are available in League Platinum card. There is 8X reward points are available in this card. Railway surcharge waiver, Oil surcharge waiver etc. are other few benefits available with the card.

• Premium reward points- Card holders are eligible to get 8x reward points after achieving annual spends of Rs 2 lakh. This reward points are available with airlines expenses, tour packages, electric sales, Departmental stores etc.
• Welcome gift- Movie voucher of value INR 500 is allowed as welcome gift. Facility such as league joining is available as gift.
• Fuel surcharge waiver- INR 3500 is allowed as fuel surcharge waiver per annum. It is applicable for the transaction of INR 500 to INR 3000.
• Rail Surcharge waiver – You have to book your ticket at irctc dot com to earn a benefit of INR 500 per year.
• Fraudulent protection – In case of any kind of fraud or money stolen, there is a protection of INR 1.25 lakh. Customer has to report this in 7 days of the incident.
• Milestone benefits – Achieve the purchase mile stone  of INR 2.5 Lakh in one year and earn free 8 PVR tickets i.e. INR 750/-  plus 2000 credit points in a year. In 6 month after completing the purchase of INR 1.25 Lakh, one can earn 4 PVR.
• Add-on card facility – Add-on card is allowed with the League Platinum card for the family members. There is facility of limiting the maximum purchase on add-on card. Separate monitoring of expenses on both the card is possible. All the first card benefits are available with add-on card also. 18 years is the minimum age of the add-on card holder.
• Eligibility – Indian resident having age 21-65 years are eligible for the League Platinum card.
• Fees and charges – INR 500 joining fees is required. INR 499/-is the yearly renewable charge.

Essentia Credit Card

Essentia Credit Card has lucrative credit points offer for various range of purchase. It has good gifts in the form of onetime credit points or other form such as free movie tickets etc.

• 10% savings – You can save 10% of total expenses for purchase at Departmental store or grocery store.
• Saving points – Essentia Credit Card grant you 10 saving points on every spend of INR 100/- . 1 saving point is equal to Rs 0.1. This is available at all Departmental and grocery store. In every billing cycle, one can earn INR 500/-
• Redeem of credit points – You can redeem the earned credit points in to cash or you can purchase the items as per your choice.
• Milestone benefits – Achieve the purchase mile stone  of INR 1.25 Lakh in one year and earn free 6 PVR tickets i.e. INR 750/-  plus 1200 credit points in a year. In 6 month after completing the purchase of INR 1.25 Lakh, one can earn 4 PVR.
•  Add-on card facility – Add-on card is allowed with the Essentia Credit Card for the family members. You can have a control over purchase limit and unnecessary expenses through add-on card. You can lower the limit. All the first card benefits are available with add-on card also. 18 years is the minimum age of the add-on card holder.
• Eligibility – Indian resident having age 21-65 years are eligible for the Essentia Credit Card.
• Fees and charges – INR1499 joining fees is required. INR 749/-is the yearly renewable charge.

Royale Signature Credit Card

Royal signature credit card offers real worth of your purchases. It offers complimentary airport lounge facility. High reward points are allowed in purchases. Fuel surcharge, rail ticket surcharge relaxation etc. a lot of benefit available with Royal signature credit card.    

• Complimentary access of airport lounge –  Royal signature credit card holders have privilege to enjoy the complimentary lounge access in the airport in India. Customers enjoy the comfortable seating, widescreen television, free wi-fi, newspaper, magazine etc.
• High Reward points- On every purchase of INR 150/- there is 4x reward points. Special category purchases such as hotels, restaurants, travel agency, airlines, International spend etc. entitled for 4x reward points. However for other category purchases, reward points 2x.
• Safety against Fraudulent – In case of any kind of fraud or money stolen, there is a protection of INR 2.5 lakh. Customer has to report this in 7 days of the incident.
• Oil surcharge waiver- INR 3500 is allowed as fuel surcharge waiver per calendar year. It is applicable for the transaction of INR 500 to INR 3000.
• Rail Surcharge – You can have rail ticket booking surcharge waiver. You have to book your ticket at irctc dot com to earn a benefit of INR 500 per year.
• Add-on card – You can provide second credit card to your family members attached to the primary card as add-on card. Facility of Add-on card is allowed with the Royal signature credit card for the family members. There is facility of limiting the maximum purchase on add-on card. Separate monitoring of expenses on both the card is possible. All the first card benefits are available with add-on card also. 18 years is the minimum age of the add-on card holder.
• Eligibility – Indian resident having age 21-65 years are eligible for the League Platinum card.
• Fees and charges – INR 1499 joining fees is required. INR 999/-is the yearly renewable charge.

NRI Royale Signature Credit Card 0- 1000

NRI Royale Signature Credit card provides many rewards, starting from recharge of mobile to air ticket. Around 2000 traders offer rewards.

• 4x earning point – On every purchase of INR 150, there is benefit of 4x credit point. That can be latter on converted into cash or in goods purchase. All the airlines tickets, International spend have this facility.
• Easyrewards – Under easy rewards,  NRI Royale Signature Credit card provides earning points from more than 10000 sellers and big brands. 
• Fuel purchase discount- INR 3500 is allowed as fuel surcharge waiver per calendar year. It is applicable for the transaction of INR 500 to INR 3000.
• Rail Ticket saving – You can have rail ticket booking surcharge waiver. You have to book your ticket at irctc dot com to earn a benefit of INR 500 per year.
• Complimentary access of airport lounge –  NRI Royale Signature Credit card holders have privilege to enjoy the complimentary lounge access in the airport in India. Customers enjoy the comfortable seating, widescreen television, free wi-fi, newspaper, magazine etc.
•  Rail Surcharge – You can have rail ticket booking surcharge waiver. You have to book your ticket at irctc dot com to earn a benefit of INR 500 per year.
• Add-on card – In NRI Royale Signature Credit card, First card can be attached with add-on card for the family members. There is facility of limiting the maximum purchase on add-on card. Separate monitoring of expenses on both the card is possible. All the first card benefits are available with add-on card also. Family members having age at least 18 years are eligible for the add-on card.
• Eligibility – Indian resident having age 21-65 years are eligible for the NRI Royale Signature Credit card. This credit card is available for non- resident Indian also.
• Fees and charges – There is zero entry charges for NRI Royale Signature Credit card. However, yearly renewal INR 1499 joining fee is required. INR 999/-is the yearly renewable charge.
• High Safety – In case of any kind of fraud or money stolen, there is a protection of INR 2.5 lakh. Customer has to report this in 7 days of the incident.

Solarish Platinum Credit Card  (500-500, 5 lakh per year)

Kotak Solarish Platinum credit card is known for its high reward points offer as well as discount in fuel purchase, rail ticket purchase. This card has high fraud protection and many more interesting beneficial features.

• 5x reward points on online purchase – Solarish Platinum credit card have high earning points on any purchase done online. On every purchase of INR 150, there is benefit of 5x credit point. Any purchases online such as airlines tickets, grocery, supermarkets, International spend etc. have this facility.
• Fuel purchase discount- INR 100 can be earned in a month as fuel surcharge. It is applicable for the transaction of INR 400 to INR 3500.
• Rail Ticket benefit – You can have rail ticket booking surcharge waiver. You have to book your ticket at irctc dot com to earn a benefit of INR 500 per year.
• Add-on card – In Solarish Platinum credit card add-on facility is available. Family members can have the add-on card. There is facility of limiting the maximum purchase on add-on card. Separate monitoring of expenses on both the card is possible. All the first card benefits are available with add-on card also. Family members having age at least 18 years are eligible for the add-on card.
• Eligibility – Minimum income per year should be minimum INr 5 Lakh.  Indian resident having age 21-65 years are eligible for the Solarish Platinum credit card.
• Fees and charges – There is INR 500 as entry charges for Solarish Platinum credit card. Yearly renewal charge is INR 500.
• High Safety – In case of any kind of fraud or money stolen, there is a protection of INR 2.5 lakh. Customer has to report this in 7 days of the incident.

Silk Inspire Credit Card

• 5X reward points- Card holders are eligible to get 5x reward points after every spend of INR 100. This reward points are available with airlines expenses, tour packages, electric sales, Departmental stores etc. 1 Reward point is equal to
• Welcome gift- Movie voucher of value INR 500 is allowed as welcome gift. Facility such as league joining is available as gift.
• Fuel surcharge waiver- INR 3500 is allowed as fuel surcharge waiver per annum. It is applicable for the transaction of INR 500 to INR 3000.
• Rail Surcharge waiver – You have to book your ticket at irctc dot com to earn a benefit of INR 500 per year.
• Fraudulent protection – In case of any kind of fraud or money stolen, there is a protection of INR 1.25 lakh. Customer has to report this in 7 days of the incident.
•  Milestone benefits – Achieve the purchase mile stone  of INR 1.25 Lakh in six months and earn free 4 PVR tickets i.e. INR 350/-  or you can claim credit point 1000.
•  Add-on card facility – Add-on card is allowed with the League Platinum card for the family members. There is facility of limiting the maximum purchase on add-on card. Separate monitoring of expenses on both the card is possible. All the first card benefits are available with add-on card also. 18 years is the minimum age of the add-on card holder.
• Eligibility – Indian resident having age 21-65 years are eligible for the Silk Inspire credit card.
• Fees and charges – INR 599 joining fees is required. INR 599/-is the yearly renewable charge.

Kotak Credit Card Eligibility

Kotak offers variety of credit card for various income groups or requirement of customers. The income requirement for different card is different but there is a minimum income requirement of income to be eligible for Kotak credit card.

• The minimum income requirement to have a Kotak credit card is 30,000/- per month.
• The age of applicant must be between 21 to 65 years.
• Salaried or self employed persons both are eligible for Kotak Credit card.
• The interest free period to pay the credit card bill is 40 days.
• ATM cash withdrawal charge in Kotak Credit card is 3.5% or maximum INR 300/-
• The applicant should be resident of India.
• Applicant has to produce- Identity Proof, Income proof and Proof of home address. Addhar card or any Government identity is acceptable for identity proof. Three years IT returns has to produce as Income proof.

Free Kotak Credit Card

There are five different credit cards available with Kotak bank that does not have any joining or yearly renewable charges. Aqua Gold credit card, Best price credit card, corporate wealth signature credit card, Corporate Platinum Credit Card and Urban Gold credit card are the free Kotak credit card.

• Aqua Gold credit card is known for high rewards points 1X in INR 100 purchase and relaxation in oil surcharge.
• Best price credit card  have feature that for every purchase it grant a free credit cycle of 14 days. It starts for each individual purchase.
• Corporate wealth signature credit card has a unique feature helpful for business community. It offers a kind of overdraft facility payable in maximums 48 days.
• Corporate Platinum Credit Card offers high rewards points and full fuel surcharge waiver.
• Urban Gold credit card is the best option for a person as it is semi free card and it has  lucrative offers. Its joining fee is zero and annual renewable fee will become zero if the annual spend through the card will be INR 15000/-. It is quite easy to achieve INR 1500 that is monthly expense of approx 1500/- is quite a common expense.

Kotak Credit Card Apply Minimum Salary

Kotak offers assortment of credit card for various income groups or requirement of customers. The income requirement for different card is different but there is a minimum income requirement of income to be eligible for Kotak credit card.

The applicant must be earning INR 30,000/- per month.

Kotak Credit Card Apply

Kotak credit card apply process has very simple online steps. Before moving on application section, you must check your eligibility. If you have the required monthly earning of INR 30000/- or if you have required earning for a particular chosen card. You must check the SIBIL report also.

Followings steps are helpful to apply for a Kotak credit card.

• The option “Apply now” remains there close to the details of credit card in the web site of Kotak credit card  i.e. https://www.kotak.com/en/personal-banking/cards/credit-cards.html
• When you click the apply now button then will be asked for the details such as your name, mobile number, email ID and the city.

• Once you will submit the required information, a bank executive will contact you shortly and fixed a time and finish the formalities related to form fill up and collection of documents, photograph etc.
• However, you will finalize the credit card after going through the suitability for you, you may visit the nearest branch of Kotak Bank and there you can complete the formalities and submit the credit card application form.

Kotak Credit Card Status

Once you will submit the Kotak credit card application, next step is to know about the status of application. It is good to ask about the status of application, because sometime due to want of a few documents your application remains lying there in office for many weeks.

• Status by SMS or customer care – You can know the status of the application by giving a call in numbers-  1860-266-2666 (for domestic calls) or 91-22-6600-6022 (for international calls). You could also SMS K CCAPP to 5676788 or 997 105 6767. Please keep ready the reference number related to the applied Credit card application.
• By visiting the web site – Instantly you can know the status of your application for credit card by visiting the web page provided by Kotak Mahindra Bank. Following is the link – https://www.kotak.com/en/transaction-services/track-application.html You will be asked about the reference number or form number of your applied credit card. After providing the number, screen will instantly let you know the status-

Kotak Credit Card Login

Kotak credit card login process is simple and requires yours a few minutes only. Since you are a new card holder, thus first you have to complete the registration process after that you can always log in your credit card account without any hassle.

• For registration Kotak Mahindra Bank has provided a exclusive web page- https://www.kotak.com/j1001mp/netapp/MainPage.jsp
• Registration process has four steps- Enter your user ID, Verify your details, choose the method and create a password.
• User ID section you have to enter your card number. Then you have to verify that. Third stag is selection of mode of getting the password. You can select instant generation by OTP and SMS or by post. Finally you will able to generate the password.

• Once the password and ID is known, now your credit card is ready for online login and now you have better command over your card.  

Kotak Credit Card PIN Generate and Reset

Kotak credit card PIN generates and reset process requires you to visit online or offline the provided facility by Kotak Mahindra Bank.

• Through customer care – You can dial the customer care number -Dial 1860 266 2666.
• Then you have to press 1 to continue the process. You will be given various option, you have to select credit cards by pushing number 3.
• Then you have to select existing Kotak cardholder by again pressing 1. Then you have to validate your card number. Then finally you will get the option to generate a new pin or to change the existing one by dialing a number 6.

Kotak Credit Card Statement

Kotak Mahindra Bank provides three different facilities to know and download credit card statement.

• Using Net Banking- you can go to net banking facility. There after login, select the credit card section, choose your credit card. Download the statement after providing the month cycle.
• Mobile Banking- Mobile banking will facilitate you to view the statement of credit card only. Download option won’t available there.
• Direct Method- you can get the amount, due date and a short statement directly by visiting the link – https://kapps.kotak.com/CCPreLogin/Statement/statement You have to provide your registered mobile number and proceed to get the statement in your mobile as SMS.

Kotak EMI Calculator

Kotak emi calculator is provided by Kotak bank to calculate the amount of money requires paying per month on lieu of the loan taken against credit card or the normal loan. You have to provide the amount taken as loan, rate of interest and the duration of emi.

You can access the Kotak emi calculator by visiting the web page- https://www.kotak.com/en/personal-banking/loans/personal-loan/personal-loan-emi-calculator.html

Kotak Credit Card Payment

Kotak bank Bill desk is convenient method to pay the credit card bills.

• You have to provide the card number, mobile number, email ID, the amount which you want to pay and the name of bank from which you wish to transfer the money.
• Once you will proceed then it will go to your bank payment portal. There you have to provide your credential and OTP to complete the transfer of the required amount into your credit card account.

Kotak Credit Card App

Kotak credit card app is available at Google store. It can be downloaded on Android based smart phone. Kotak credit card app is available with all the facility require to operate the Kotak credit card. Following are the summary of work that can be performed by the app-

• Paying credit card bills, to view the statement in a particular cycle. View the past billed statement.
• To know the remaining or unbilled transaction.
• To do the balance transfer, balance transfer on EMI.
• To convert balance transfer to EMI.
• To know the outstanding EMI.
• You can use the facility of pay via scan and pay.
• You can check your achievement of milestone.
• Your redemption history

Kotak Credit Card Offer

Kotak credit card has always very exciting offers from various companies. These offers are most of the time have high discount. However, most of the offers are valid for a limited time period but a few offers remain for all the time.

• At present there are around 693 offers available with Kotak credit card. you can visit following link to know the present offer- https://www.kotak.com/en/offers.html
• Big companies such as Amazon, Flip cart, Apple iphone etc. offers very attractive discount if you are doing purchase by using Kotak credit card.
• Kotak credit card eligibility

Redeem Kotak Credit Card Point

The earned credit points can be redeeming into purchase of tickets or other essential items.

• Redemption of earned points into cash, airline ticket, movie ticket, mobile recharge, branded merchandise etc.
• To redeem you have to first visit www.kotak.com, then you have to go for net banking facility.
• Then you have to select your credit card.
• Select reward redemption.  

Kotak Credit Card Customer Care

Kotak Mahindra offers helpline number for the customer of credit card. Following are the numbers for the customer of inside and outside country.

• Banking Helpline Number: 1860 266 2666 , Credit Card Helpline Number: 1860 266 2666
• Abroad Helpline Number: +91 22 6600 6022,

When dialing from abroad, please use either the 24-hour Abroad Helpline Number, which is chargeable*, or one of the below 24-hour country-specific toll free numbers:

• USA: 1855 365 676, Australia:001180044990000, Hong Kong: 00180044990000, U.K.:008004499000, Canada:18557684020, Singapore:8001013054

Close Kotak Credit Card

If you want to close your Kotak credit card, then you have three different options- by taking help of customer care, online banking and by visiting nearest branch of the Kotak credit card.

For Closure of Kotak credit card, it is important that there should not be any amount balance against the credit card.

• You can call on customer care number given on above column. You have to select the credit card option, and then you have to choose the closure of credit card option.
• You can close the Kotak credit card by visiting the online banking. There under credit card section, you have to choose the de-activate option.  Once card will deactivated, you can mail through available email section requesting them to close the present card.
• You can visit the nearest branch and apply for closure of the card.

Kotak Credit Card Complain

For any kind of complain, Kotak bank provides sufficient way to rise the complain. You can raise the complain by using Kotak Credit card customer care or through the email box available inside credit card login.  

Kotak Credit Card Pros and Cons

Conclusions

Kotak Mahindra offers highly beneficial credit card for different Income group. The new credit card apply, credit card eligibility, credit card login, credit card to download the statement etc. facilities all are available online.

There are very high earning against the purchase by credit card.

Kotak Mahindra credit card application status may be known by online or offline. For online status of Kotak credit card status, you have to visit Kotak dot com.

Offline status of Kotak credit card is available through SMS or customer care number.

You can know the status of your application by doing SMS from registered mobile- SMS K CCAPP to 5676788 or 997 105 6767.

To know the answer of your Kotak credit card option. Kotak credit card application, contact on the numbers 1860-266-2666 (for domestic calls) or 91-22-6600-6022 (for international calls).

Kotak Credit Card FAQs

Q1. Can I apply for a new Kotak credit card  through toll free customer care number?

Ans- Yes you can, kotak credit card customer number, please Call 1860-266-2666 (for domestic calls) or 91-22-6600-6022 (for international calls) and request to open a new credit card.

Q2. How to know the status of Kotak credit card application by SMS?

Ans– You can know the status of your application by doing SMS from registered mobile- SMS K CCAPP to 5676788 or 997 105 6767.

Q3- Is Kotak credit card and Kotak Mahindra credit cards same?

Ans– Yes, both are same. Kotak Credit cards or Kotak Mahindra credit cards are issued by Kotak Mahindra Bank ltd. As per April 2019 report, Kotak Mahindra bank Ltd is the second largest bank in India as per as capital money is concerned.  

Q4. How do I know Kotak credit card application status offline? 

Ans- you can visit the nearest Kotak bank branch to know the status. You can use SMS facility.

SMS K CCAPP to 5676788 or 997 105 6767.

You can contact customer care number-1860-266-2666 (for domestic calls) or 91-22-6600-6022 (for international calls)

Q5. How to know the Kotak credit card payment status online?

Ans- Please browse the following given link to know the Kotak credit card payment status-

https://www.kotak.com/en/transaction-services/credit-card-payment.html