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.
Kotak Mahindra Bank credit card payment can be done online using any of the below-mentioned channels:
Kotak Mahindra 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’.
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.
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 Mahindra 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.
Once your Kotak credit card bill desk payment is processed, you will receive a confirmation message along with a Transaction Reference Number.
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
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.
Once your Kotak credit card IMPS payment is processed, you will receive a confirmation message as ‘Payment Successful’.
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
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.
Once your Kotak credit card IMPS payment is processed, you will receive a confirmation message as ‘Payment Successful’.
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.
Here is how you can pay your Kotak credit card bill online using the bank’s mobile banking app:
Download the Kotak Mahindra 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’.
Once your Kotak credit card payment is processed, you will receive a confirmation message as ‘Payment Successful’.
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.
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.
If your Kotak credit card bill exceeds ₹2 Lakhs, you can pay it online via the RTGS or Real-Time Gross Settlement mode. You should have the credit card listed as a beneficiary in the savings/current account you want to use to complete the payment.
To do so, you can log into your net banking account, and go to the ‘Add Beneficiary’ option under the RTGS Fund Transfers section. Next, fill in the required details like:
Payee Name - Name mentioned on the Kotak credit card
Location City - Mumbai
Destination Bank - Kotak Bank
Bank Address - Main Branch Mumbai
IFSC Code - KKBK0000958
Post the 24-hour verification window, you can start making payments to this active beneficiary. You can simply follow these steps to complete the payment:
Log into your net banking account using your credentials.
Go to the ‘Funds Transfer’ section and click on RTGS.
Select your Kotak Mahindra credit card from the list of beneficiaries and proceed to make the payment.
Enter the amount and confirm the payment.
To make your Kotak credit card payment offline, you can avail any of the methods mentioned below:
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.
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 Mahindra 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.
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.
Once you make your Kotak credit card bill payment, the funds may not be immediately processed. This is because every payment method has its set transfer settlement window. While some are instant, others can take up to 5 working days. Depending on the Kotak Mahindra bill payment method you pick, the processing time for the payment will vary.
To make timely payments and ensure no missed payment penalties, you can refer to the payment processing time guide below.
Fund Transfer Method |
Time Taken to Process |
Mobile Banking |
Instantly |
IMPS |
Instantly |
Kotak Mobile Banking App |
Instantly |
Net Banking |
24 hours |
Phone Banking |
Within 24 hours |
Cash Payment at the Branch Counter |
Within 24 hours |
Cheque Payment |
Kotak Bank cheque - 1 working day Non-Kotak cheque - up to 5 working days |
NEFT |
30 minutes to 3 days |
VISA |
3 working days |
Bill Desk |
3 working days (except weekends) |
WebPAY |
3 working days (except weekends) |
RTGS |
Up to 3 days |
Visa Payment |
3 working days |
Auto Debit |
Amount is debited four days before the due date and gets credited within 24 hours |
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.
You can pay your Kotak Mahindra Bank credit card bill instantly using online channels such as net banking, WebPAY, IMPS, NEFT, mobile banking, or auto-debit.
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.
Yes. You can make your Kotak credit card payment with another credit card using the balance transfer method. Alternatively, you can choose the cash advance option, or use an e-wallet. Kotak credit card online payments become simple and hassle-free with the e-wallet option. You can transfer the money from a different credit card to your e-wallet, and use the e-wallet to pay your Kotak credit card bill.