Kotak Credit Card Payment

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:

1) Kotak Credit Card Payment Online via Net Banking

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’.

• 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 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.

• Enter the OTP to confirm your Kotak credit card payment.

 

Once your Kotak credit card bill desk payment is processed, you will receive a confirmation message along with a Transaction Reference Number.

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 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’.

• 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.

8) Kotak Credit Card Payment through RTGS using IFSC Code

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

• Payee Account Number: Your 16-digit Kotak Bank credit card number

 

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:

1) Kotak Mahindra 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 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.

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.

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.