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The Kotak Mahindra Bank credit card eligibility criteria allow you to enjoy benefits and be able to enjoy products and services with enormous discounts. Kotak credit card eligibility varies for different cards. Since each credit card comes with its benefits, you can choose from among the various options and pick one that best fits your requirements.

Eligibility Criteria

Here’s the credit card eligibility chalked out by Kotak Mahindra Bank for you to apply for the card:

  • Minimum Age: 18 years

  • Maximum Age: 65 years

  • Minimum Monthly Salary: ₹40,000

  • Credit Score: 750 and above

Documents Required

The following credit card documents could be requested during your Kotak Mahindra Bank Credit Card application:

  • Identification proof, such as Aadhaar card, voter’s card, or driving licence

  • PAN card; if unavailable, you can submit Form 60

  • Proof of income, such as through salary slips or Form 16

  • Bank statements

  • Age proof, like birth certificate, passport, etc. 

Factors Affecting Your Eligibility Criteria

Given below are the general factors that could affect your eligibility for a Kotak Credit Card:

1. Credit Score

This is a crucial determinant; a higher score enhances eligibility for Kotak credit cards

2. Income Level

Minimum income requirements influence eligibility; higher income often increases approval chances

3. Employment Stability

A steady job history and stable income source positively impact eligibility criteria

4. Existing Debt

High outstanding debt may affect eligibility, as it impacts repayment capacity

5. Credit Utilisation

High credit utilisation ratios may impact eligibility negatively

6. Age

Applicants typically need to meet a minimum age requirement for eligibility

7. Documentation

Providing accurate and complete documentation is crucial for meeting eligibility criteria


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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Frequently Asked Questions

What is the eligibility for a Kotak Credit Card?

Applicants need to be aged between 18 to 65 years, should be Indian citizens, and must have a steady income, and a high credit score to apply for Kotak Credit Cards.

What are the documents required for a Kotak Credit Card?

To get a Kotak credit card, you need to submit your ID proof, income proof, and bank statements along with your PAN card.

What is the maximum age for applying for a credit card with Kotak Mahindra Bank?

While the minimum age for applying for a Kotak Mahindra Bank credit card is 18 years, the maximum age limit is 65 years.

What factors can influence my eligibility for a Kotak Mahindra Bank credit card?

Various factors can influence or affect the eligibility criteria required to get a Kotak Mahindra bank credit card. Some of the factors include inquiring about multiple credit cards and stability in a job. Other factors are the number of credit cards you own as well as recent remarks on a credit card report.

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