Check Kotak Mahindra Bank Credit Card Balance

Kotak Mahindra Bank gives you several convenient ways to track your credit card balance so you can monitor your spending and manage repayments with ease.

Credit Card Statement

You receive a monthly statement after the billing cycle closes, and it shows your total outstanding balance, minimum amount due and unbilled transactions. Kotak usually sends e-statements to your registered email address, and you can also request a physical copy if needed. The statement gives you a complete summary of your spending for that cycle.

Net Banking

You can log in to Kotak net banking with your username and password to view your credit card details. The dashboard or the Cards section typically displays your outstanding balance, available limit and recent transactions. If the monthly statement has not yet been generated, you can still view your current outstanding amount.

Mobile App

The Kotak Mahindra Bank mobile app lets you check your card balance instantly from the Cards menu. You can view your available limit, billed and unbilled transactions and previous statements in one place. The app also keeps you updated with alerts and payment reminders that help you manage the card more effectively.

At an ATM

You can check your Kotak Bank credit card balance by visiting any ATM that supports your card network. After inserting your card, select the balance inquiry option and enter your PIN. The ATM will display your current outstanding balance on the screen.

Via SMS

Kotak allows you to get your card balance through an SMS sent from your registered mobile number. You need to use the format specified by the bank to receive your outstanding amount in a reply message. This option helps you access your balance quickly without logging in to digital platforms.

Customer Care

You can call Kotak Mahindra Bank customer care to request your credit card balance after completing verification. The support team will share your current outstanding amount and guide you if you need help with statements or transactions. This method is useful when you do not have access to digital services.

Net banking gives you a clear, account-level view of your outstanding balance, available limit and recent transactions.

1. Open Kotak’s net banking portal and sign in using your Customer ID or CRN and your secure password. 

2. From the main dashboard, go to the ‘Credit Card’ section from the ‘Cards’ menu to access card services. 

3. Select the specific credit card you want to review if you have multiple cards mapped to your profile. 

4. View the outstanding balance, the available credit limit and the recent transactions that appear on the card overview. 

5. If you need a formal record, download the latest e-statement or statement PDF from the Statement or Downloads tab. 

Using net banking lets you see both billed and summary information in one place.

Kotak Mahindra Bank’s mobile app provides fast access to card balances and unbilled spends while you are on the move. 

1. Open the mobile app and sign in with your mobile banking credentials or MPIN.

2. Tap on ‘Cards’ or ‘Credit Cards’ from the app menu to open the credit card dashboard.

3. Select the card whose balance you want to check when multiple cards appear on your account.

4. Review the displayed outstanding amount, the available credit limit and any unbilled or pending transactions shown on the dashboard.

5. Use the app options to download statements, set alerts or make a payment if you want to clear the outstanding balance immediately. 

The app is useful for quick checks and for initiating payments or service requests instantly.

SMS balance enquiry is a quick option when you do not have internet access. Use the format and numbers shown below to check your Kotak Bank credit card balance. 

1. Open the messaging app on the mobile number that is registered with Kotak Mahindra Bank. 

2. Type the SMS in the required format. For example, send ‘CCAVBL 1234’ where 1234 are the last four digits of your credit card. 

3. Send the SMS to either 5676788 or 9971056767, which are designated short codes and numbers for card alerts and enquiries. 

4. Wait for an automated reply that typically returns your available credit limit and related summary details. 

5. Keep the SMS reply for your records or note down the available limit shown in the message. 

SMS queries give a fast snapshot of your available limit and may also include brief balance details.

Calling customer care is useful when you need assistance, have multiple queries, or require a statement by mail.

1. Dial the Kotak Mahindra Bank credit card helpline on 1860-266-2666 from your registered mobile number for card-related service and enquiries. 

2. Follow the IVR prompts to reach the credit card support team or select the option for balance and statement information. 

3. When you connect with an agent, complete the identity verification by providing details such as your CRN, card number’s last four digits, date of birth or registered PAN as requested. 

4. Ask the agent to provide your current outstanding balance, minimum amount due, available credit limit and the due date for payment. 

5. If needed, request that the representative email or SMS the latest statement or confirm the details in writing for your records. 

Customer care can give a comprehensive update and help with requests when digital channels are not accessible.

Your monthly statement is the official record that shows what you owe for a billing cycle and the details you need to plan payments.

1. Open the monthly e-statement sent to your registered email address and find the statement summary section. 

2. Note the statement date, the due date for payment and the billing cycle period to understand which transactions were billed. 

3. Review the transactions list to verify charges, credits, payments and any fees or interest applied during the cycle. 

4. Check the statement for your available credit limit or the summary section that lists the credit limit and the utilised amount. 

5. Archive or download the statement for future reference and use it when reconciling spends or disputing transactions. 

The monthly statement provides a full view of your billed liabilities and is essential for accurate record keeping.