Kotak Bank Credit Cards

The Kotak Mahindra Bank is offering various forms of credit cards keeping in mind the financial and lifestyle needs of individuals and businesses. The best part about the Kotak Credit card is that it is a value-back credit card; offers discounts, cashback, rewards, fee waivers, and more. They are the biggest market players in the financial market for offering a wide array of services to meet the financial requirement of both corporate and the common man.

The eligibility criteria to apply for Kotak Bank Credit Card

  • The applicant must be a citizen of India.
  • The minimum age to apply for Kotak Bank Credit Card is 21 years and the maximum is 65 years. If there is an add-on cardholder along with a primary cardholder, in that case, the add-on cardholder must be between the age of 18 years.
  • The Kotak bank credit card could be easily applied at various locations like Bangalore, Chandigarh, Chennai, Gurgaon, Delhi, Noida, Hyderabad, Mumbai, Kolkata, Pune, and Ahmedabad.
  • The minimum monthly income requirement to apply for credit is Rs 3 Lakh per annum.
  • Must be having a good credit score i.e., 750 or above.

Documents required to apply for Kotak Bank Credit Car

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

Major categories of Kotak Bank Credit Card

  • Rewards and Cashback Credit Cards
  • Travel Credit Cards
  • Shopping Credit Cards
  • Entertainment Credit Cards
  • Premium Credit Cards
  • Business Credit Cards

Most Popular Kotak Mahindra Bank Credit Card

Kotak Credit Cards Annual fee Best suited for
Kotak Royale Signature Credit Card Rs 999 Rewards and Lifestyle
Kotak PVR Platinum Credit Card Rs 999 Entertainment
Kotak League Platinum Credit Card Rs 499 Rewards
Kotak Delight Platinum Credit Card Rs 299 Dining& Cashback
Kotak Essentia Platinum Credit Card Rs 749 Shopping
Kotak Urbane Gold Credit Card Rs 199 Rewards
Kotak Solaris Platinum Credit Card Rs 500 Shopping and Rewards
Kotak Privy League Signature Credit Card Rs 2500 Rewards

Kotak Mahindra Bank Fees and Charges

Annual Fees Varies from one card to other
Joining Fees Varies from one card to other
Finance Charges Between 35.88% per annum to 42%
Over Limit Charges Rs 500
Payment Failure Rs 500
Foreign Transaction Mark-up Fee 3.50%
Cash payment Rs 100
Cash Replacement Fee Rs 100
Late Payment Charges Between Rs. 100 & Rs. 500 – Rs.

100 Between Rs. 500.01 & Rs. 5,000 – 500

Between Rs. 5000.01 & Rs.10,000 – Rs. 500

Rs. 10,000 & above – Rs. 700
Minimum Amount Due 5-10% on the outstanding credit card bill

How to apply for Kotak Bank Credit Card on their official website?

  • Visit the official website of Kotak Bank
  • Click on the ‘Credit Cards’
  • Click on the ‘Apply Now’ button
  • Fill in your personal and income details
  • Submit the application

How to apply for a Credit Card at IndiaLends Platform

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

Kotak Mahindra Bank Customer Care

Kotak Bank credit card holders can contact the customer care for any unresolved query via call, email, and SMS. You can dial- 1860 266 2666.