The Kotak Mahindra Bank credit card eligibility criteria allows people to avail benefits and be able to enjoy products and services with enormous discounts. Kotak credit card eligibility varies for different cards, and the wide variety ensures that all kinds of customers can avail them. Since each credit card comes with its own benefits, customers can choose from among the various options and pick one that best fits their requirement.
While there is a range of credit cards issued by the bank, the credit card eligibility criteria for each differs. Customers have to meet the different criteria to be eligible for a credit card, but a basic set of criteria exist for customers to be eligible for availing any of the Kotak Mahindra credit cards. Read on to learn more about the general credit card eligibility criteria required by an applicant:
The applicant for the credit card must be aged between 21 and 65 years
The applicant must be a resident of India
The applicant must be salaried/self-employed and produce proof of a steady income
The applicant for the credit card must have a good credit score
Card Name |
Age Limit |
Income & Other eligibility criteria |
Veer Select Credit card |
Primary Cardholder: 21-65 years Add-on Cardholder: 18 years and above |
Applicable for armed forces officials only |
White Credit Card |
Primary Cardholder: 28-65 years Add-on Cardholder: 18 years and above |
Annual income must be ₹25 lakh and above |
Zen Signature Credit Card |
Primary Cardholder: 21-65 years Add-on Card Holder: 18 years and above |
Annual income must be ₹4.8 lakh and above |
Mojo Platinum Credit Card |
Primary Cardholder: 21-65 years Add-on Cardholder: 18 years and above |
Annual income must be ₹4 lakh and above |
Biz Credit Card |
Primary Cardholder: 21-65 years |
Minimum Income Tax Return of ₹4.8 lakh and above per annum |
Wealth Management Infinite Credit Card |
Primary Cardholder: 21-65 years Add-on Cardholder: 18 years and above |
Primary cardholder needs to have Kotak Wealth Management Banking Relationship |
NRI Royale Signature Credit Card |
Primary Cardholder: 18-75 years Add-on Cardholder: Above 18 years |
Only NRE/NRO account holders are eligible for the credit card |
League Platinum Credit Card |
Primary Cardholder: 21-65 years Add-on Cardholder: 18 years and above |
Annual income must be ₹5 lakh and above |
If your application is ever rejected because of any of the factors mentioned above, you can try to improve your eligibility and reapply for a card. Read on below to learn how to improve your Kotak Mahindra credit card eligibility.
Keep an eye on your credit score at all times and take steps to ensure it does not drop too low. It is possible to improve your credit score by reducing debt and paying off dues on time, which would improve your eligibility as well
The number of credit enquiries for cards or loans will also be assessed while your application is being evaluated. If you have made too many applications, it will count against you. Make sure to carefully assess your own requirements and make only targeted enquiries
Keep your debt-to-income ratio low as it helps boost your eligibility criterion
On all active lines of credit, make sure to be careful of penalties, late fees, and avoid bounced cheques
There are several documents you must submit to avail a credit card from Kotak Mahindra Bank. Read on to learn which credit card documents are important when applying for a Kotak Mahindra credit card.
Identification proof, such as Aadhaar card, voter’s card, or driving licence
Permanent Account Number (PAN) card; if unavailable, you can submit Form 60
Proof of income, such as through salary slips or Form 16
Bank statements
Applicants need to be aged between 21 to 65 years, should be Indian citizens, must have a steady income, and a high credit score in order to apply for Kotak Credit Cards.
The minimum requirement for applying for a Kotak credit card is that an applicant must be an Indian citizen, aged between 21 to 65 years, and must have an annual income of ₹3 lakh per month.
To avail a Kotak credit card, you need to submit your ID proof, income proof, and bank statements along with your PAN card.
While the minimum age for applying for a Kotak Mahindra Bank credit card is 21 years, the maximum age limit is 75 years. So, you can easily apply for a Kotak Mahindra Bank credit card up to the age of 75.
There are various factors that can influence or affect the eligibility criteria required to get a Kotak Mahindra bank credit card. Some of the factors include inquiring about multiple credit cards and stability in a job. Other factors are the number of credit cards you own as well as recent remarks on a credit card report that can all influence the eligibility criteria required to get a Kotak Mahindra bank credit card.