Kotak Aqua Gold Credit Card

Apply for a Kotak Bank Aqua Gold Credit Card. It comes with a host of benefits starting from availing of a higher credit limit to making interest-free cash withdrawals to make your shopping experience extra enjoyable. Read here in detail about the features and benefits associated with Kotak Bank Aqua Gold Credit Card.

Features of Kotak Mahindra Bank Aqua Gold Card

There are many exciting features that aqua card has for the cardholders to experience. So, if you are planning to have such cards, a thorough read on the card features is essential.

  • Credit limit is 80% of your Fixed deposit amount
  • Maximum credit limit available is ₹12 lakhs.
  • Fuel surcharge waiver permissible on transactions worth ₹500-3,000.
  • Balance transfer is easy with a simple call to the bank.
  • Get free add-on cards to share the benefits of this credit card with immediate family members.
  • Get 4 free PVR tickets or cashback up to Rs. 750 on spending Rs. 1.50 lakh in a year.

The eligibility criteria to apply for Kotak Bank Aqua Gold Credit Card

  • The minimum age to apply for a credit is 18 years and the maximum age to apply for 70 years
  • Add-on credit card applicant must be over 18 years of age
  • Only Indian residents can apply
  • Minimum Term Deposit amount should be Rs. 25,000
  • Only individual Term Deposit are allowed

The documents required to apply for a Kotak Bank Aqua Credit Card

Both Self-employed and Salaried

  • Filled Credit Card Application form
  • Passport-size photographs
  • Identity Proof- PAN Card, Aadhaar Card, Voter ID, Driving License, Passport, etc
  • Residence Proof- Utility bills, PAN Card, Aadhaar Card, etc

Salaried- Income proof

  • Latest salary slips
  • Form 16 of 3 Years
  • Latest 6 months bank statements

Self-employed- Income Proof

  • Income proof
  • Account Statements
  • Business proofs

Fees and Charges

Fee Type Amount
Annual Fee NIL
Add-on Fee NIL
Finance Charges 2.99% pm / 35.88% pa
Late Payment Fee For outstanding balance less than Rs. 500 – Rs. 100
For outstanding balance between Rs.500 and Rs. 10,000 – Rs. 500
For outstanding balance greater than Rs. 10,000 – Rs. 700
Over-limit Fee Rs 500
Foreign Currency Mark-up 3.50% of the amount
Cash Payment Rs 100
Card Reissue Rs 100

IndiaLends has collaborated with the top banks and financial institutions offering 50+ credit cards. Among these, we are also offering cards with similar features as Kotak Bank Aqua Credit Card is offering. You may, however, check your eligibility for other credit cards that will better suit your spending patterns. Click here to find the list of eligible credit cards.