Kotak Bank Credit Card Status

From the time you submit your Kotak Mahindra Bank credit card application, it takes anywhere from a few days to about a week for the bank to approve, print and dispatch the card to your address. 

 

During this time, it is natural for you to want to know your Kotak Bank credit card status. Checking the status of the credit card lets you know if your application has been approved or not. Fortunately, the bank has come up with both online and offline methods for checking your Kotak Bank credit card status. 

 

For instance, you can track your Kotak Bank credit card application status on the bank’s website by using the application reference number. Alternatively, you can also call Kotak Mahindra Bank’s customer care helpline number to get to know if your application has been approved or not.

How to Check Your Kotak Bank Credit Card Status

The process that you need to follow to check your Kotak Bank credit card status may vary depending on the method you choose. Here’s a closer look at the steps for both the online and offline methods. 

1. Steps to Check Your Kotak Bank Credit Card Status Online Via the Bank’s Website 

 

• Step 1: Visit the official Kotak Mahindra Bank website. 

• Step 2: Place your cursor over the ‘Cards & Fastag’ tab. 

• Step 3: Click on the ‘Check Application Status’ option under the ‘Credit Card Services’ section. 

• Step 4: Select ‘Credit Card’ from the dropdown list.

• Step 5: Click on the ‘Application Form Number’ option from the dropdown list. 

• Step 6: Enter the reference number of your credit card application. 

• Step 7: Click ‘Submit’ to know your Kotak Bank credit card status.

2. Steps to Check Your Kotak Bank Credit Card Status Offline via the Customer Care Helpline 

 

• Step 1: Call Kotak Mahindra Bank’s customer care helpline number - 1860 266 2666. If you’re calling from outside India, dial +91 22 6204 2001. 

• Step 2: Use the bank’s IVRS system to connect to a phone banking representative. 

• Step 3: Once you’re connected, provide the representative with your credit card’s unique application reference number. 

The phone banking representative should be able to provide you with the status of your Kotak Bank credit card. 

Different Kotak Bank Credit Card Application Status 

It is important to know the different terms used by the bank to convey the status of your Kotak Bank credit card. Here’s an overview of the various terms used to denote your card’s status and their meaning. 

• Pending 

This means that the bank is yet to take your credit card application up for review. 

• In Progress

If the status shows up as ‘In Progress’, it means that the bank is in the process of reviewing your application.

• Approved 

The status is marked as ‘Approved’ if the bank accepts your request for a new credit card.

• On Hold 

If the bank requires any additional details or documents, your Kotak Bank credit card application will be temporarily placed on hold until you submit all the relevant details. 

• Rejected or Disapproved

If the bank denies your application for a new credit card, the status would show up as ‘Rejected or Disapproved’. 

• Dispatched

This means that the bank has dispatched your credit card to the registered address mentioned in the application. 

Tracking Kotak Mahindra Bank Credit Card Application Status via SMS 

You can also get to know your card’s status by using Kotak Mahindra Bank’s dedicated SMS alert service. All you need to do is send an SMS in the following format to 5676788 or +91 99710 56767. 

 

CCAPP (space) your 13-digit credit card application number 

 

Within a few minutes, you should receive an SMS from the bank conveying the status of your Kotak Bank credit card. 

Tracking Kotak Mahindra Bank Credit Card Application Status Using Your Date of Birth

If you don’t remember your credit card application reference number, you can simply use your mobile number and your date of birth to check the status of your Kotak Mahindra Bank credit card. All you need to do is follow the steps outlined below. 

 

• Step 1: Visit the official Kotak Mahindra Bank website. 

• Step 2: Place the cursor over the ‘Cards & Fastag’ tab. 

• Step 3: Click on the ‘Check Application Status’ option under the ‘Credit Card Services’ section. 

• Step 4: Select ‘Credit Card’ from the dropdown list. 

• Step 5: Click on the ‘Mobile Number and DOB’ option from the dropdown list. 

• Step 6: Enter your mobile number and your date of birth in the relevant fields. 

• Step 7: Click ‘Submit’ to know your Kotak Bank credit card status.

Tracking Kotak Mahindra Bank Credit Card Status Through Airway Bill Number

You will receive an airway bill number via SMS once the bank dispatches your credit card to the address mentioned in the application. You can use this number to track the current location of your credit card shipment. 

 

To do this, simply visit the website of the courier or delivery service through which your card has been shipped. Navigate to the ‘Tracking’ section of the webpage and enter the airway bill number in the field and proceed. The current location of your credit card shipment along with other key details will be displayed on the webpage. 

Ways to Improve Chances of Kotak Mahindra Bank Credit Card Approval

Getting your credit card application rejected is surely not good. Fortunately, there are a few ways through which you can improve your chances of getting your credit card application approved by Kotak Mahindra Bank.

 

• Check and Improve Your Credit Score 

When it comes to credit cards, one of the most important factors that banks consider is your credit score. The higher your score, the better your chances of getting an approval. So, make sure to first check your score before you apply for a credit card. If you find that your score is low, consider taking remedial measures to improve your score before applying for a card. 

• Ensure You Meet the Eligibility Criteria 

The eligibility criteria for Kotak Mahindra Bank credit cards may vary from one card to another. If you wish to improve the chances of getting your credit card application approved, you need to ensure that you meet all of the criteria set by the bank. 

• Consider Applying for an Entry-Level Credit Card 

Entry-level credit cards usually come with very minimal eligibility requirements. Also, banks generally tend to be lenient and are more likely to approve entry-level card applications. 

• Lower Your Debt-Income Ratio 

Kotak Mahindra Bank tends to favour individuals with a low debt-to-income ratio since they’re more likely to pay their dues on time and pose the least risk of default. So consider reducing your debt obligations before you apply for a card. This way, you can effectively increase the chances of getting your application approved. 

• Enter Accurate Information in the Application Form 

Even minor mistakes or inaccuracies in the credit card application form can lead to rejection. Therefore, it is essential to make sure that all the details in the application are accurate and free from mistakes. 

 

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