Kotak Mahindra Bank Credit Card Customer Care Number in Chennai

If you are a Kotak Mahindra Bank credit cardholder in Chennai, you can access the bank’s national customer service channels for complete support. Use the bank’s credit card help centre for transaction disputes, lost or stolen card reporting, limit changes and reward queries. If you need faster answers, you can try the phone banking options, the web chat on the mobile app, or the registered email routes listed by Kotak Mahindra bank. Keep your card number, application or complaint reference, and a valid ID ready when you contact customer care.

When you need quick help with your Kotak Mahindra Bank credit card in Chennai, you can use the bank’s national customer service routes for fast resolution. You can report a lost or stolen card, raise a dispute, and more. 

Through various methods, you can check reward points or request statements by phone, via the mobile app or through the online help centre. Keep your card number, registered mobile number and an identity proof ready when you call to speed verification. 

Key Points to Remember

• Call the main customer contact number for credit card queries and phone banking 

• Use the Kotak mobile app or WhatsApp for fast blocking of lost cards and simple requests 

• Keep your card details and ID ready to speed up authentication 

• Record complaint reference and call time for follow up or escalation 

When you need to raise a complaint about your Kotak Mahindra Bank credit card, use the bank’s three-level grievance process to reach a quick resolution. Start with an online submission or speak with the customer contact centre. 

If the response does not meet your expectations, you can further escalate the matter to the designated officers. Keep your service reference number and supporting documents handy for faster follow-up and clear tracking. 

Level 1: Online Customer Service

If you are reaching out to the bank for the first time, start at Level 1 to get the quickest response for day-to-day credit card issues. 

• Step 1: Go to the bank’s official website at https://www.kotak.bank.in/en/home.html. 
• Step 2: From the top menu, hover on ‘Help’ and click on the ‘Complaints’ option. 
• Step 3: Choose ‘Personal Banking’ as the category to open the Level 1 window. 
• Step 4: Select ‘Credit Card’ as your concerned product and fill out the pop-up form. 
• Step 5: Mention whether you are an existing customer, and provide your name, mobile number, email address, and Customer Relationship Number. 
• Step 6: Give a clear description of the problem, attach supporting documents (statements, screenshots), and keep your card number/last four digits ready. 

After submission you will receive a Service Reference Number. Use this number for any follow up or escalation. 

Alternative Channels: 

You can also submit your grievance online through other methods: 

• Use the inbox section on your Net Banking account. 
• Check the Customer Contact Centre details on the official website. 
• Visit a Kotak Mahindra Bank branch close to you. 
• Write to the bank at Kotak Mahindra Bank Ltd., P.O. Box:16344, Mumbai – 400013. 

Expected Timeline: 

• Kotak Mahindra Bank aims to respond to Level 1 complaints within 2 working days. 

If your concern is not resolved within this timeline, note the Service Reference Number and escalate to Level 2 with the same details. 

Level 2: Escalation to the Nodal Officer

If your Level 1 complaint is unresolved or the response is not satisfactory, you can escalate your issue to the bank’s Nodal Officer. 

Email the Nodal Officer quoting your Service Reference Number and summarise the unresolved points. Attach the original complaint and any supporting documents. 

Nodal Officer Contact Details: 

• Name: Ms. A Shukla 
• Contact No: 022 6204 2110 (Mon to Fri 10.00 am to 6.00 pm excluding bank holidays)
• Email: nodalofficer@kotak.com 
• Address: ABR Emerald Building, Floor no - 8, Plot no D8, Street 16, MIDC Central Rd, Andheri East, Mumbai, Maharashtra – 400093

The officer will review your case, coordinate with relevant teams and provide a more detailed reply or proposed resolution. 

Expected Timeline: 

• The bank expects Level 2 escalations to be addressed in a timeline of 2 days. 

If the Nodal Officer’s response still does not resolve your complaint, keep the Nodal Officer correspondence and escalate to the Principal Nodal Officer (Level 3). 

Level 3: Escalation to Principal Nodal Officer

You can use Level 3 channels when you have not received a satisfactory outcome from the Nodal Officer within the bank’s timelines. 

Email the Principal Nodal Officer with the Service Reference Number, a concise chronology of events and copies of all prior communications and documents. 

Principal Nodal Officer Contact Details: 

• Name: Mr. A. Shah
• Contact No: 022 6204 2120 (Mon to Fri 10.00 am to 6.00 pm excluding bank holidays)
• Email: pno@kotak.com 
• Address: ABR Emerald Building, Floor no - 8, Plot no D8, Street 16, MIDC Central Rd, Andheri East, Mumbai, Maharashtra – 400093

The Principal Nodal Officer will undertake a final review and coordinate a resolution at senior levels. 

Use Level 3 as the final bank escalation before reaching out for any external remedies. Maintain full documentation and the complaint reference for any Ombudsman proceedings. 

Additional Step: Banking Ombudsman Level

If your grievance remains unresolved for more than one month, you may approach the Banking Ombudsman for independent redress. Keep all records and copies of bank replies to support your Ombudsman submission. 

Contact Details of the Central BO Office: 

You can lodge a complaint with the Central Banking Ombudsman using the details below: 

• Official Portal: https://cms.rbi.org.in/cms/indexpage.html#eng
• Address: Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh 160017 
• Toll-free number: 14448

If Kotak Mahindra Bank customer care does not respond, stay calm and gather your card and contact details. A calm, organised approach increases your chance of a fast resolution.

• Try an alternative channel. Use the Kotak mobile app, WhatsApp support or the phone banking helpline to register your complaint immediately and securely. 

• Check your complaint status online using your Service Reference Number on Kotak’s grievance portal or Net Banking inbox for updates before escalating. 

• Send a formal escalation email to the Nodal Officer quoting your Service Reference Number and attach previous communications and supporting documents. 

• Escalate to the Principal Nodal Officer if the Nodal Officer does not respond. Include a brief chronology and copies of your earlier replies. 

• If one month passes without a satisfactory resolution, lodge a complaint on the RBI’s CMS portal and retain all bank replies as evidence. 

• Keep copies of communications, timestamps and screenshots. These records strengthen your case for faster bank action or Ombudsman review. 

When you contact Kotak Mahindra Bank credit card customer care in Chennai, you can expect assistance across a wide range of common issues. Below are the typical problems they resolve and the details you should have ready to speed up processing.

• Billing Disputes and Charge Reversals

If you spot an incorrect charge, report it promptly so Kotak Mahindra Bank can investigate, reverse authorised errors and update your statement. 

• Lost or Stolen Card Support

Block your lost or stolen card immediately by calling the helpline or using the mobile app to prevent unauthorised transactions and liability. 

• Reporting Fraud and Unauthorised Transactions

Report suspected fraud without delay; the bank’s fraud team will freeze the card, investigate transactions and advise on provisional credits where applicable. 

• Reward Points and Redemption Queries 

Ask customer care to clarify reward balances, pending points or redemption issues so you can claim offers, statement credits or voucher conversions. 

• EMI, Limit and Billing Changes

Request adjustments to card limits, EMI conversions or billing cycles; provide account details so Kotak Mahindra Bank can verify and process your request. 

• Account Closure and Dispute Follow-up

If you wish to close a card or contest a charge, follow the documented dispute process and retain all correspondence for future reference.