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Kotak Mahindra 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.

Some of the Top Kotak Mahindra Bank Credit Cards in India

Kotak Credit Card Name

Joining Charges

Renewal Charges

Kotak Solaris Platinum Credit Card


₹500 (not applicable if the previous year’s spending exceeds ₹75,000)

Kotak Urbane Gold Credit Card


₹199 (not applicable if the previous year’s spending exceeds ₹15,000)

Kotak Royale Signature Credit Card


₹999 (not applicable if the previous year’s spending exceeds ₹1,00,000)

Kotak League Platinum Card


₹499 (not applicable if the previous year’s spending exceeds ₹50,000)

Kotak 811 Credit Card


₹500 (not applicable if the previous year’s spending exceeds ₹50,000)

Kotak PVR Platinum Credit Card



Kotak Zen Signature Credit Card


₹1,500 (not applicable if the previous year’s spending exceeds ₹1,50,000)

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. 

Features of Kotak Mahindra Bank Credit Cards

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.

Benefits of Kotak Mahindra Bank Credit Cards

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

Kotak Mahindra Bank Credit Card Eligibility and Documentation

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 

Kotak Mahindra Bank Credit Card Rewards

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

Name of the Kotak Credit Card


Kotak Royale Signature Credit Card

  • 30,000 bonus reward points on spends exceeding ₹8 Lakhs annually

  • 4x reward points on every transaction of ₹150

Kotak Urbane Gold Credit Card

  • 3x rewards on every transaction of ₹100 you spend on retail purchases

  • 10,000 bonus points on spends exceeding ₹1 Lakh annually

  • Earn ₹100 by redeeming a block of 1000 points

  • Insurance cover of ₹50,000 in case of credit card theft

Kotak League Platinum Card

  • 8x reward points on every transaction of ₹150

  • Welcome gift of a ₹500 movie voucher

  • 10,000 reward points on spends exceeding ₹1.25 Lakhs every 6 months

Kotak Mojo Platinum Credit Card

  • 2.5x Mojo reward points for every transaction of ₹100 online

  • 1 Mojo reward point for every ₹100 spent on all other transactions

  • Spend ₹75,000 every quarter to unlock 2,500 Mojo points (valid for the first year)

  • Annual fuel surcharge waivers of up to ₹3,500

Kotak PVR Platinum Credit Card

  • 5% cashback on PVR movie tickets

  • Spend ₹10,000 or more during a billing cycle to get 2 free PVR movie tickets every month.

  • Get a 15% instant cashback on food and drinks at PVR. 

  • Enjoy an anti-theft annual insure cover of ₹75,000

Kotak Solaris Platinum Credit Card

  • 5x reward points on every ₹150 online purchase

  • 2x reward points for offline spends of ₹150

  • 4,000 bonus points on spending ₹2 Lakhs

  • 10,000 reward points on spending ₹4 Lakhs

How to Redeem Reward Points on Kotak Mahindra Bank 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.

How to Apply for Kotak Mahindra Bank Credit Cards

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.

How to Track the Card Application Status Online

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. 

Kotak Mahindra Bank Credit Card Customer Care Details

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. 


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Kotak Mahindra Bank Credit Card

How many days does it take to get a Kotak Mahindra Bank credit card?

It may take 7 working days for you to get the credit card. After the dispatch of the card, an SMS with card details is sent to the registered mobile number. Using details like the courier company name, you can easily track the location of the card.

Can I transfer money from a Kotak credit card to my bank account?

No, you cannot initiate a direct fund transfer between the Kotak credit card and your bank account. However, you can withdraw cash using the card and deposit the same to your account. This is taken as a short-term loan with no grace period on repayment.

What fees and charges are applicable for Kotak Credit Cards?

Kotak Mahindra Bank credit cards bring you various rewards and lifestyle benefits against a list of fees and charges. While most Kotak credit cards come with zero joining and renewal charges, you might need to pay a basic fee for some. The interest charged on Kotak credit cards is quite nominal, starting from 3.1% per month. You will have to pay an ATM cash withdrawal fee, cash advance charges, overlimit penalty, and late fee charges on the card. 


The magnitude of these charges vary depending on the Kotak Mahindra Bank credit card you pick. The specific rates for each of these fees and charges will be outlined on the official Kotak Mahindra website. You should review these rates before applying for a Kotak credit card as this will help you manage your expenses better. 

Which Kotak Mahindra Bank credit card is the best?

When it comes to choosing the best Kotak credit card, there’s no one-size fits all option. In other words, the best Kotak Mahindra credit card for you will be one that rewards your spending habits. For instance, the Kotak ZenSignature credit card would be perfect for shopaholics as it offers 10 Zen points on every 150 spent shopping. Similarly, if you’re a frequent flyer, the Kotak Indigo Ka-Ching 6E Rewards Card would be a better option. 

What is the minimum limit for a Kotak credit card?

Kotak Mahindra Bank credit cards don’t come with a minimum credit limit. The sanctioned credit limit of your card will depend on the bank’s assessment of your monthly income and credit history. In other words, if you have a steady monthly income and a reliable credit history, you can expect a good credit limit on your Kotak Bank credit card. 

Who is eligible to apply for a Kotak Mahindra Bank credit card?

Available to both salaried and self-employed individuals, Kotak Mahindra Bank credit cards come with a simple eligibility checklist. If you are 18 years old, meet the minimum income requirement for the card, and have a good CIBIL score, you can apply for a Kotak credit card.

Can I use net banking to apply for a credit card from Kotak Mahindra Bank?

Yes. However, you can use the net banking route only when applying for an add-on credit card. To do so, you can log into your netbanking account, go to the ’Credit Cards’ tab and click on the ‘Add-on Credit Card’ option. Fill in the basic details and click on ‘Go’. Next, review the details of your application and submit the form. However, to apply for a Kotak credit card as a first-time applicant, you will have to visit the bank’s website. 

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