Kotak Credit Card Customer Care Number in Kolkata

If you hold a Kotak Mahindra Bank credit card in Kolkata, you can use the same national helplines and digital channels across India. These include phone banking, app-based support, email, and online complaint forms for most card-related issues. 

You can use these channels to sort out transaction disputes, card blocking, EMI conversion, and limit‑related questions. Keep your card details, customer relationship number, and a valid ID handy when you contact support to speed up verification and resolution.

For any Kotak Mahindra Bank credit card related issue in Kolkata, you do not need a separate city-specific helpline. The bank’s central customer care numbers handle card blocking, billing disputes, fraud reporting, and everyday service requests from all locations. 

​You can connect through calls, the Kotak mobile app, Net Banking, or the website’s help section to check statements, reward points, or EMI information. Make sure your registered mobile number is active, as you may receive one-time passwords (OTPs) and alerts during authentication and transactions. 

​Key Points to Remember

• Use the main customer care number for most card queries and phone banking requests.

• ​Block lost or stolen cards quickly via the app, WhatsApp, or helpline to reduce fraud risk.

• ​Keep your card details and ID proof handy for quick verification when you call or write.

• Note the complaint/service reference number and time of contact for future follow-up. 

If a regular customer care interaction does not solve your concern, Kotak Mahindra Bank offers a structured, three-level grievance redressal system. This framework helps you escalate unresolved issues step by step, from an online complaint to senior nodal officers. 

​Always keep your service reference number, copies of emails, SMS alerts, and any statements when escalating. 

Level 1: Online Customer Service

When you first raise an issue with Kotak Mahindra Bank, you start at Level 1, which covers most routine credit card complaints. This level is meant for quick clarification and resolution.​ 

Here are the typical steps involved: 

• Step 1: Go to the official Kotak Mahindra Bank website at https://www.kotak.bank.in/en/home.html. 
• Step 2: Select the ‘Complaints’ option from the ‘Help’ tab in the main menu.​ 
• Step 3: Choose ‘Personal Banking’ and then ‘Credit Card’ as the product category.​ 
• Step 4: Fill in the complaint form with your name, contact details, customer relationship number, and card details (for example, the last four digits).​ 
• Step 5: Describe the issue clearly, attach supporting documents such as statements or screenshots, and submit the form.​ 

After submission, you receive a service reference number. Use this number to track status through Net Banking, the mobile app, or other support channels. 

Alternative Channels:

• Use the secure inbox in Net Banking to send a complaint.
• Call the customer contact centre through the helpline numbers mentioned earlier.
• Visit a nearby Kotak Mahindra Bank branch in Kolkata.
• Write to the bank’s official postal address given on the website for complaint submissions.​ 

Expected Timeline:

• The bank generally aims to respond to Level 1 complaints within two working days.​ 

Level 2: Escalation to the Nodal Officer

If your complaint is not resolved at Level 1 or you are unhappy with the response, you can escalate it to the Nodal Officer. Level 2 provides a more detailed review of your case.​ 

You normally need to:

• Email the Nodal Officer, quoting your existing service reference number.
• Share a brief summary of the problem, previous responses, and attach supporting documents. 

Nodal Officer Contact Details: 

• Name: Ms. A. Shukla
• Contact number: 022 6204 2110 (Monday to Friday, 10:00 am to 6:00 pm, excluding bank holidays)
• Email: nodalofficer@kotak.com 
• Address: ABR Emerald Building, Floor 8, Plot D8, Street 16, MIDC Central Road, Andheri East, Mumbai – 400093​

Expected Timeline: 

The bank generally targets a resolution timeline of around two working days for Level 2 escalations.​

Level 3: Escalation to Principal Nodal Officer

If Level 2 does not resolve your concern, you can escalate the matter further to the Principal Nodal Officer at Level 3. This is the highest internal escalation point within Kotak Mahindra Bank before external forums.​ 

For Level 3, you need to: 

• Email the Principal Nodal Officer with your service reference number and a concise history of the complaint. 
• Attach copies of earlier emails, responses from customer care and the Nodal Officer, and any supporting evidence.

Principal Nodal Officer Contact Details:

• Name: Mr. A. Shah
• Contact number: 022 6204 2120 (Monday to Friday, 10:00 am to 6:00 pm, excluding bank holidays)
• Email: pno@kotak.com 
• Address: ABR Emerald Building, Floor 8, Plot D8, Street 16, MIDC Central Road, Andheri East, Mumbai – 400093​

If your concern still remains unresolved after this stage, you may consider approaching the Banking Ombudsman or other external avenues.​ 

Additional Step: Banking Ombudsman Level

If your complaint is not resolved within one month, or you are not satisfied with the bank’s final reply, you can approach the RBI’s Banking Ombudsman.​ 

Contact Details of the Central BO Office:

• Official Portal: https://cms.rbi.org.in/cms/indexpage.html#eng
• Address: Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017
• Toll-free Number: 14448​

Carry your service reference number, copies of communication with Kotak Mahindra Bank, and any supporting proofs while raising a complaint with the Ombudsman.​ 

If you do not get a timely reply from customer care, try not to panic. Begin by checking whether you have received any SMS, email, or app notifications about your complaint status.​ 

• Contact customer care again using a different channel, such as the mobile app, Net Banking inbox, or another helpline number.​

• Verify and record your existing service reference number; use it to follow up instead of raising multiple fresh complaints.​

• If there’s still no progress, escalate to the Nodal Officer (Level 2) and then to the Principal Nodal Officer (Level 3), sharing all previous correspondence.​

• If more than a month passes without a satisfactory resolution, approach the RBI’s CMS portal and keep all supporting documentation ready.​
   

Maintaining clear records, including dates, times, screenshots, and call logs, strengthens your case during escalation or Ombudsman review.​ 

Kotak Mahindra Bank credit card customer care can assist with a variety of problems that the cardholders may face. Knowing the usual categories helps you describe your issue clearly.​ Common issues include:

• Billing Discrepancies and Incorrect Charges

These include disputes about double debits, wrong merchant charges, or unclear fees. Customer care can log a dispute, investigate the transaction, and raise a reversal request.​ 

• Fraud and Unauthorised Transactions

Any suspicious activity on your card should be reported at once on the fraud helpline. The bank can freeze the card, start an investigation, and advise on provisional credit where applicable. 

• Lost or Stolen Card

If you misplace your card, you can immediately block it via the bank’s app, Net Banking, or helpline. The team may guide you on replacement card issuance and liability rules.​ 

• EMI Conversions & Changes to Limits and Billing

You can request to convert large spends into EMIs, increase or decrease limits, or alter billing cycle dates. Subject to eligibility and bank policy, these changes may be processed through phone banking or digital channels.​ 

• Rewards and Redemptions

You can ask queries about reward point balance, expiry dates, or redemption failures. Support can clarify programme rules and help you complete redemption, where eligible.​ 

• Card Closure and Dispute Follow-up

You can use the Kotak Mahindra Bank credit card customer care number in Kolkata to cancel a card, obtain no-dues confirmation, or track an existing dispute until closure. 
 

Having the required transaction details, merchant names, and dates ready helps customer care resolve your queries faster.​