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From the time you submit your Kotak Mahindra Bank credit card application, it takes anywhere from a few days to about a week for the bank to approve, print and dispatch the card to your address. 

 

During this time, it is natural for you to want to know your Kotak Bank credit card status. Checking the status of the credit card lets you know if your application has been approved or not. Fortunately, the bank has come up with both online and offline methods for checking your Kotak Bank credit card status. 

 

For instance, you can track your Kotak Bank credit card application status on the bank’s website by using the application reference number. Alternatively, you can also call Kotak Mahindra Bank’s customer care helpline number to get to know if your application has been approved or not.

How to Check Your Kotak Bank Credit Card Status

The process that you need to follow to check your Kotak Bank credit card status may vary depending on the method you choose. Here’s a closer look at the steps for both the online and offline methods. 

1. Steps to Check Your Kotak Bank Credit Card Status Online Via the Bank’s Website 

  • Step 1: Visit the official Kotak Mahindra Bank website. 

  • Step 2: Place your cursor over the ‘Cards & Fastag’ tab. 

  • Step 3: Click on the ‘Check Application Status’ option under the ‘Credit Card Services’ section. 

  • Step 4: Select ‘Credit Card’ from the dropdown list.

  • Step 5: Click on the ‘Application Form Number’ option from the dropdown list. 

  • Step 6: Enter the reference number of your credit card application. 

  • Step 7: Click ‘Submit’ to know your Kotak Bank credit card status.

2. Steps to Check Your Kotak Bank Credit Card Status Offline via the Customer Care Helpline 

  • Step 1: Call Kotak Mahindra Bank’s customer care helpline number - 1860 266 2666. If you’re calling from outside India, dial +91 22 6204 2001. 

  • Step 2: Use the bank’s IVRS system to connect to a phone banking representative. 

  • Step 3: Once you’re connected, provide the representative with your credit card’s unique application reference number. 

 

The phone banking representative should be able to provide you with the status of your Kotak Bank credit card. 

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Different Kotak Bank Credit Card Application Status

It is important to know the different terms used by the bank to convey the status of your Kotak Bank credit card. Here’s an overview of the various terms used to denote your card’s status and their meaning. 

  • Pending 

This means that the bank is yet to take your credit card application up for review. 

  • In Progress

If the status shows up as ‘In Progress’, it means that the bank is in the process of reviewing your application.

  • Approved 

The status is marked as ‘Approved’ if the bank accepts your request for a new credit card.

  • On Hold 

If the bank requires any additional details or documents, your Kotak Bank credit card application will be temporarily placed on hold until you submit all the relevant details. 

  • Rejected or Disapproved

If the bank denies your application for a new credit card, the status would show up as ‘Rejected or Disapproved’. 

  • Dispatched

This means that the bank has dispatched your credit card to the registered address mentioned in the application. 

Tracking Kotak Mahindra Bank Credit Card Application Status via SMS

You can also get to know your card’s status by using Kotak Mahindra Bank’s dedicated SMS alert service. All you need to do is send an SMS in the following format to 5676788 or +91 99710 56767. 

 

CCAPP (space) your 13-digit credit card application number 

 

Within a few minutes, you should receive an SMS from the bank conveying the status of your Kotak Bank credit card. 

Tracking Kotak Mahindra Bank Credit Card Application Status Using Your Date of Birth

If you don’t remember your credit card application reference number, you can simply use your mobile number and your date of birth to check the status of your Kotak Mahindra Bank credit card. All you need to do is follow the steps outlined below. 

  • Step 1: Visit the official Kotak Mahindra Bank website. 

  • Step 2: Place the cursor over the ‘Cards & Fastag’ tab. 

  • Step 3: Click on the ‘Check Application Status’ option under the ‘Credit Card Services’ section. 

  • Step 4: Select ‘Credit Card’ from the dropdown list. 

  • Step 5: Click on the ‘Mobile Number and DOB’ option from the dropdown list. 

  • Step 6: Enter your mobile number and your date of birth in the relevant fields. 

  • Step 7: Click ‘Submit’ to know your Kotak Bank credit card status.

Tracking Kotak Mahindra Bank Credit Card Status Through Airway Bill Number

You will receive an airway bill number via SMS once the bank dispatches your credit card to the address mentioned in the application. You can use this number to track the current location of your credit card shipment. 

 

To do this, simply visit the website of the courier or delivery service through which your card has been shipped. Navigate to the ‘Tracking’ section of the webpage and enter the airway bill number in the field and proceed. The current location of your credit card shipment along with other key details will be displayed on the webpage. 

Ways to Improve Chances of Kotak Mahindra Bank Credit Card Approval

Getting your credit card application rejected is surely not good. Fortunately, there are a few ways through which you can improve your chances of getting your credit card application approved by Kotak Mahindra Bank.

  • Check and Improve Your Credit Score 

When it comes to credit cards, one of the most important factors that banks consider is your credit score. The higher your score, the better your chances of getting an approval. So, make sure to first check your score before you apply for a credit card. If you find that your score is low, consider taking remedial measures to improve your score before applying for a card. 

  • Ensure You Meet the Eligibility Criteria 

The eligibility criteria for Kotak Mahindra Bank credit cards may vary from one card to another. If you wish to improve the chances of getting your credit card application approved, you need to ensure that you meet all of the criteria set by the bank. 

  • Consider Applying for an Entry-Level Credit Card 

Entry-level credit cards usually come with very minimal eligibility requirements. Also, banks generally tend to be lenient and are more likely to approve entry-level card applications. 

  • Lower Your Debt-Income Ratio 

Kotak Mahindra Bank tends to favour individuals with a low debt-to-income ratio since they’re more likely to pay their dues on time and pose the least risk of default. So consider reducing your debt obligations before you apply for a card. This way, you can effectively increase the chances of getting your application approved. 

  • Enter Accurate Information in the Application Form 

Even minor mistakes or inaccuracies in the credit card application form can lead to rejection. Therefore, it is essential to make sure that all the details in the application are accurate and free from mistakes. 

DISCLAIMER

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 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, trade names, 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 Bank Credit Card Status

How can I check my Kotak Bank credit card status?

You can check your Kotak Bank credit card status online or offline. The online methods include- tracking credit card application via bank website, through chatbot Keya, or by writing an email to the bank. On the other hand, credit card offline tracking for Kotak can be done over the phone or by visiting the nearest bank branch.

How long does it take to get a Kotak Bank credit card approved?

It takes a minimum of 21 working days (not including weekends) from the date of receiving the application, for the bank to either approve or reject a Kotak Bank credit card application. If the application is approved, it will take a minimum of 15 working days (from the date of approval) for the new credit card to reach you.

What to remember when applying for a Kotak Bank Credit Card after rejection?

Every card applicant must remember to wait at least 3-6 months before reapplying for Kotak bank credit card post rejection. Additionally, keep a routine tab of your credit score and take efforts to improve it during the waiting period before reapplying, to improve your chances.

My Kotak Mahindra credit card status shows up as rejected. What could be the reason?

There could be multiple reasons why your Kotak Mahindra Bank credit card application may have gotten rejected. For instance, the rejection might have been due to an error or discrepancy while filling the credit card application form. 

 

Non-submission of all the supporting documents necessary to process the credit card application could be another reason for rejection. Also, your application might have been rejected if you’ve failed to fulfil the eligibility criteria required to apply for the credit card.

 

If you’re unsure of the reason for rejection of your credit card application, the ideal course of action would be to contact the bank’s customer care helpline. The customer care executive may be able to give you more information on the reason for rejection. 

 

Once you get to know the rejection reason, you can then work on rectifying it and applying for the credit card once again. 

Can I apply for a different credit card while my Kotak Bank credit card application is still being processed?

No. If the other credit card is also from Kotak Mahindra Bank, you may not be allowed to apply for it while a Kotak Bank credit card application is being processed. In this case, it is ideal to wait till your application is either approved or rejected by the bank before proceeding to apply for a different card. 

 

However, if the other credit card is from a different bank, you can very well apply for it while a Kotak Bank credit card application is being processed.

 

How can I check my Kotak Bank credit card dispatch status?

You can quickly check your Kotak Bank credit card status by making use of the Kotak Bank Credit Card Application Track option on the bank’s website. Alternatively, you can also use the bank’s AI-powered chatbot Keya to get to know the dispatch status. 

 

On the other hand, if you’re looking for offline modes of tracking the status of your Kotak Bank credit card, you can call the bank’s customer care helpline number or visit the nearest Kotak Mahindra Bank branch.

I lost my Application Reference Number. Can I still check my Kotak Bank credit card status?

Yes. You don’t need the Application Reference Number to track your Kotak Bank credit card application status. You can also use a combination of your mobile number and date of birth to track the status.

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