Kotak Mahindra Bank Credit Card Payment

Kotak Credit Card Payment

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Kotak Credit Card Bill Payments

 

**Disclaimer: Kotak Bank is not a Finserv MARKETS’ partner. Offers would be from partner Banks/NBFCs only.

 

Kotak Mahindra Bank credit card helps you transact in a hassle-free way. Along with easy access to credit, you can apply for a loan, withdraw cash, enjoy a fuel surcharge waiver, and avail attractive Kotak credit card offers. Also, against every purchase, you get to earn Kotak credit card reward points which you can redeem against gift vouchers, cashback, etc. However, do note that to avail of these benefits, it is critical that you clear your card dues on time. Luckily, to make the process convenient, the bank offers several methods of Kotak credit card bill payment both online as well as offline.

How to Make Kotak Credit Card Payment Online?

Kotak Mahindra Bank credit card payment can be done online using any of the below-mentioned channels:

 

1) Kotak Card Payment Online via Net Banking

 

Kotak Bank credit card payment using the bank’s net banking portal can be done by following these steps:

  • Access the Kotak credit card login portal using your credentials.

  • On the home page, select the ‘Credit Card’ option.

  • Click on ‘Payments’.

  • Against the bill amount, click on ‘Make Payment’.

  • Enter the OTP sent to you on the registered mobile number and click on ‘Submit’.

  • You will get a notification once the payment is processed.

Kotak credit card payment can also be done from the net banking portal of any other bank. However, for this, you would need to register your Kotak credit card as a beneficiary first.

 

2) Kotak Credit Card Payment Online via WebPAY Billdesk

 

You can pay your Kotak Mahindra Bank credit card bill through WebPAY bill desk by following the steps mentioned below:

  • Go to the WebPAY bill desk page of Kotak Mahindra Bank.

  • Enter your Kotak Bank credit card number, email ID, and contact number.

  • Fill in the amount you would like to pay: Minimum Amount Due for Credit Card or Total Amount Due.

  • From the drop-down, select the bank you wish to pay from.

  • Click on ‘WebPAY Now’.

  • Once redirected, log in to your account.

  • Enter the OTP to confirm your Kotak card payment.

Once your Kotak credit card bill desk payment is processed, you will receive a confirmation message along with a Transaction Reference No.

 

3) Kotak Credit Card Bill Payment through NEFT

 

To make payment through NEFT, you would need to register your Kotak credit card with the NEFT details. For this, log in to your net banking account (non-Kotak Bank), go to funds transfer, select NEFT, and click on add beneficiary. Enter the details in the format mentioned below:

 

Payee Name: Name as on the Kotak credit card

 

Location City: Mumbai

 

Destination Bank: Kotak Bank

 

Bank Address: Main Branch Mumbai

 

IFSC Code KKBK0000958

 

Payee Account Number: Enter your 16-digit Kotak Bank credit card number.

Once the payee has been added, the steps you would need to follow to do your Kotak Mahindra Bank CC payment via NEFT are mentioned below:

  • Log in to your net banking account (other than Kotak Bank).

  • Under the ‘Funds Transfer’ tab, click on ‘NEFT’.

  • Select your Kotak credit card from the beneficiary list and proceed to make the payment.

  • Enter the payment amount, select the account to pay from, enter remarks and validate with OTP.

Once your Kotak credit card IMPS payment is processed, you will receive a confirmation message as ‘Payment Successful’.

 

4) Kotak Credit Card Payment via IMPS

 

For Kotak credit card payment through IMPS, you would need to first register your card as a payee. For this, you would need to log in to your net banking account (non-Kotak Bank), go to funds transfer, select IMPS, and click on add beneficiary. Enter the details in the format mentioned below:

 

Payee Name- Name mentioned on the Kotak credit card

 

Location City- Mumbai

 

Destination Bank- Kotak Bank

 

Bank Address- Main Branch Mumbai

 

IFSC Code- KKBK0000958

 

Payee Account Number: Enter your 16-digit Kotak Bank credit card number.

 

Once the payee has been added, the steps you would need to follow to do your Kotak Mahindra Bank CC payment via IMPS are mentioned below:

  • Log in to your net banking account (other than Kotak Bank).

  • Under the ‘Funds Transfer’ tab, click on ‘IMPS’.

  • Select your Kotak credit card from the beneficiary list and proceed to make payment.

  • Enter the payment amount, select the account to pay from, enter remarks and validate with OTP.

Once your Kotak credit card IMPS payment is processed, you will receive a confirmation message as ‘Payment Successful’.

 

5) Kotak Credit Card Bill Payment Online via Auto Debit

 

You can pay your Kotak credit card bill online using the bank’s auto-debit facility. However, first, you have to download the Auto Debit Authorization Form from the bank’s website. Once you have filled and signed the form, you would need to submit it to your nearest Kotak Mahindra Bank branch or send it to the address mentioned below:

 

Manager : Customer Correspondence Centre

 

Kotak Mahindra Bank

 

Attn: Customer Correspondence Unit - Credit Cards

 

Neptune Element, 3rd Floor, Road No. 22, Wagle Estate,

 

Thane (W), Maharashtra 400 604

 

Once the form has been accepted, you would not need to pay your bills manually. Depending on whether you have chosen to pay the Minimum Amount Due (MAD) or Total Amount Due (TAD), the amount will automatically get deducted from your account when the monthly credit card statement is generated.

 

6) Kotak Credit Card Bill Payment via Kotak Mobile Banking App

 

Here is how you can pay your Kotak credit card bill online using the bank’s mobile banking app:

  • Download the Kotak mobile banking app from Google Play Store or App Store.

  • Sign up and log in with your credentials.

  • On the home page, click on ‘Credit Card’.

  • Against your Kotak credit card, click on ‘CC Payments’.

  • Enter the amount to pay, select the account, validate with OTP and complete the transaction.

Once your Kotak credit card payment is processed, you will receive a confirmation message as ‘Payment Successful’.

 

7) Kotak Credit Card Payment Online through Debit Card

 

Kotak credit card payment can also be done by using your Visa debit card. Here is what you need to do:

  • Log in to your bank’s net banking portal using your credentials.

  • Register your Kotak credit card for Visa card payment.

Once registered, you can simply use your Visa debit card to pay your monthly credit card bill. Kotak Mahindra Bank will send you a notification when the debit card payment comes through.

How to Make Kotak Mahindra Bank Credit Card Bill Payment Offline?

To make your Kotak credit card payment offline, you can avail any of the methods mentioned below:

1) Kotak Bank Credit Card Bill Payment via Cash

To pay your Kotak Mahindra Bank credit card bill using cash, you would have to visit your nearest bank branch. You would then need to fill up the cash payment form and deposit the amount against your credit card account. Do note that cash payments attract a charge of ₹100 + service charge, over the actual sum. To locate your nearest bank branch, you can either call on 99710 56767, or type ‘K Branch’ followed by space and the six-digit PIN code of your location, and send the SMS to 567 6788.

2) Kotak Credit Card Payment by Cheque

You can pay your Kotak Bank credit card bill using a cheque too. For this, you would need to draw the cheque in the name of ‘Kotak Mahindra Bank Card A/C’ followed by your credit card’s 16-digit number. Do mention your name and mobile number on the back of the cheque. Once filled, you can drop it in a cheque drop box located in a Kotak Bank branch or ATM. To find the nearest dropbox, you can type ‘K DROPBOX’ followed by space and the 6-digit PIN code of your location and send the SMS to 567 6788.

3) Kotak Credit Card Bill Payment via Phone Banking

To avail this facility, call the Kotak Mahindra Bank credit card customer care on 1860 266 2666, and select the ‘Banking’ option. When an executive gets in touch with you, place a request for the transfer of the credit card bill amount from your Kotak Bank savings/current account to your Kotak Bank credit card account. Do note that you would need to call from your registered mobile number.

Processing Time for the Various Kotak Credit Card Payment Methods

The processing time will vary depending on the Kotak Mahindra Bank CC bill payment method you opt for. Hence, you must plan your mode of payment accordingly, so as to avoid any delays.

Kotak Credit Card Payment Method

Processing Time

Net Banking

24 hours

NEFT

Within 30 mins to a maximum of 3 working days

IMPS

Instantly

WebPAY/ Bill Desk

3 working days (excluding weekends)

Kotak Mobile Banking App

Instantly

Visa Payment

3 working days

Auto Debit

Executed 4 days prior to the due date and the amount is credited within 24 hours

Cash

Within 24 hours

Cheque payment

Non-Kotak Bank Cheque- 5 working days

Kotak Bank Cheque- 1 working day

Phone Banking

Within 24 hours

Kotak credit card late payment charges will be levied against your card in case you fail to make the credit card payment on time. To avoid this, make sure you are aware of your payment due date. You can find the payment due date mentioned on your Kotak credit card statement. In case you have any challenges with bill payment, you can contact the Kotak credit card customer care number and have your query resolved.

Frequently Asked Questions

  • ✔️How can I pay my Kotak credit card bill?

    You can pay your Kotak credit card bill online or offline depending on your preference. Kotak credit card’s online bill payment methods include- net banking, WebPAY, IMPS, NEFT, mobile banking, and auto-debit. The offline channels, on the other hand, include cash, cheque and phone banking.

  • ✔️How can I pay my Kotak credit card bill instantly?

    You can pay your Kotak Bank credit card bill instantly using online channels such as net banking, WebPAY, IMPS, NEFT, mobile banking, or auto-debit.

  • ✔️How do I check my Kotak credit card balance?

    You can check your Kotak credit card balance by logging into your net banking account, or mobile app and going to the section labelled as ‘credit card’. You can also type ‘K CCAVBL' followed by space and the last four digits of your Kotak credit card number and send it to 567 6788. Alternatively, you can call the Kotak Mahindra Bank on 1860 266 2666 (within India) or +91 22 6600 6022 (outside India) and enquire about your credit card statement.