Apply For Kotak Bank Credit Card

Credit cards are one of the most popular cashless financial instruments that allow you to make purchases and enjoy excellent rewards for your spends. With umpteen card issuers flooding the market, you are spoilt for choice. 

One such issuer is Kotak Mahindra Bank, providing a range of credit cards to match the growing demands of present-day customers. From travelling to dining, using a Kotak credit card can fetch attractive rewards. 

To understand the features and benefits of the Kotak Mahindra Bank credit card, read on.

Disclaimer: The charges may vary at the discretion of the issuer. Please check the current applicable rates at the lender’s website before getting your preferred credit card. 

When getting credit cards, it is crucial to note the distinguishing features that make them stand apart in the market. So, before you apply for a Kotak credit card, understand a few attractive features and choose the one that best fits your requirements.

• Facility to Transfer the Balance Online

If you currently use other credit cards but want to switch to the Kotak Mahindra Bank credit card, simply follow this process. All you have to do is transfer the pending dues of other cards to the Kotak credit card. The facility helps you manage your debts and also provides an interest-free period of 90 days.

• Option of EMI conversion

With a Kotak credit card, there’s no need to stress about clearing your bills. Whether you book expensive flight tickets or purchase a new gadget, you can easily convert your spends exceeding ₹2,500 into manageable EMIs.

• Easy Cash Withdrawal

Thanks to this facility, you can use the Kotak Mahindra Bank credit card to withdraw cash anytime and anywhere. 

• Converting Outstanding Balance to EMI Option

When you find it stressful to pay your dues in a single go, you must convert the outstanding amount to EMIs. This helps you manage your budget and enjoy attractive interest rates too.

Considering the many credit card types on offer, Kotak Mahindra Bank offers myriad benefits. While premium cards have higher fees with better benefits, you may have to pay lower annual fees when getting basic cards. 

Here are a few benefits you can earn when you choose the Kotak credit card:

• Enjoy welcome benefits in the form of bonus reward points, gift vouchers, etc.

• Make a transaction with the credit and avail cashback benefits on every spend

• Achieve the minimum spending limit with the set timeline and get milestone benefits

• Utilise travel benefits such as lounge access, hotel memberships, etc.

• Enjoy great discounts on movie tickets and dining venues

• Get other benefits like fuel surcharge waiver, annual fee waiver and insurance options

To get a Kotak credit card, apply through the lender’s website or on Bajaj Markets. However, note the following eligibility criteria to get your credit card hassle-free. These parameters vary for different cards. Here are a few criteria to note:

• You must be at least 18 years of age

• You must be self-employed or a salaried individual 

• You must be an Indian resident

• You must meet the minimum income terms

Once you meet the eligibility criteria, submit the required documents for quick card approval.

• ID proof documents such as Aadhaar card, Passport, PAN Card, Voter ID, etc.

• Address proof documents that include Aadhaar card, Passport, Utility bills, etc.

• Latest salary slips as proof of income

• Latest ITR copies for self-employed

• Latest bank statements 

Here is a list of rewards you can enjoy from a few Kotak credit cards:

Once you start accumulating points on the Kotak Mahindra Bank credit card, you can redeem it with ease. One option is to utilise the accumulated points on purchases. For example, you can use these points when purchasing at merchant outlets rather than paying by cash or card.

Another method of redeeming reward points is to convert them for branded merchandise, flight or movie tickets. Additionally, you may even redeem points for mobile recharge as well.

However, note that these points are converted to Easy Points in case of mobile recharges. So, according to the conversion rate, for every 5 reward points, you get 1 Easy Point. The same is applicable to flight tickets too. 

Alternatively, you may redeem your points for flight vouchers. An important point to note here is that the voucher’s validity may be only for 6 months.

To get a Kotak credit card, apply online by following the process mentioned below:

• Visit the official website of Kotak Mahindra Bank at https://www.kotak.com/en/home.html

• Select ‘Credit Cards’ under the ‘Explore Products’ tab

• Choose the card you want to get

• Click on the ‘Apply Now’ option

• Complete the application form

• Attach the documents and click on the ‘Submit’ option

Alternatively, you may visit the nearest branch to apply for a new card. Plus, when applying online, you can use the ‘Know More’ tab to get additional features of various credit cards.

Checking the status of your Kotak credit card application is a simple process. Simply, call the Kotak Mahindra Bank helpline number and enquire about the status of your application. 

There’s another option to visit the bank’s website and check the card status. All you have to do is enter the card application number on the ‘Track Application Status’ tab. Once done, you can view your details within seconds. 

For any doubts regarding the credit card, you can contact the customer care team in the following ways:

• Call the local toll-free number 1860 266 2666

• Contact the team at +91 22 6600 6022 for overseas customers

• Email the team at service.cards@kotak.com

Alternatively, you may visit the nearest branch to resolve your credit card issues.