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Kotak Mahindra Bank Credit Card

Apply online for Kotak Bank Credit Card: Check your Kotak Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works



Apply for a Credit Card online by filling an easy application form.


Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.


Get Approval instantly

Receive instant approval on your Kotak Bank Credit Card.

Basic Eligibility Criteria

Good Credit Score

Above 25 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhaar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table for Kotak Bank Credit Cards

IndiaLends brings an extensive list of Kotak Bank credit cards online with multiple benefits and various offers especially designed for the customers. The bank has designed these credit cards to best suit all the needs of customers, ranging from shopping to lifestyle to corporate requirements. All credit cards are protected against theft and unauthorized usage with the shield feature. Kotak Bank Credit Cards come with diverse reward schemes and cash back offers to best cater to customer preferences.

Apply for our range of Kotak Bank Credit Cards online in less than 2 minutes. Check your eligibility in the Kotak Bank eligibility section below, and compare the range of Kotak Bank credit cards.

Name of the Kotak Bank Credit Card Fees Joining Perks Rewards
Kotak Royale Signature Credit Card Joining fee: Rs. 0
Annual fees: Rs. 999 (waived at an annual retail spends of Rs. 1 lac)


  • Complimentary membership of the Priority Pass program
  • Discount between 25 – 50 % at partner Taj hotels and restaurants
  • Save 2.5% on all transactions made at Booking Counters of Indian Railways
PVR Platinum Credit Card Joining fee: Rs. 0
Annual fees: Rs.999


  • Get 2 free PVR movie tickets* every month on spends of Rs. 10,000 and above in a monthly billing cycle
  • 1 Free movie ticket on 750 spent at PVR cinema
  • Complimentary lost card liability insurance coverage
PVR Gold Movies Credit Card Joining fee: Rs. 0
Annual fees: Rs. 499


  • Get 1 free PVR movie ticket* every month on Rs. 10,000 spent and above in a monthly billing cycle
  • Also, get 2 free PVR movie tickets* every month on spends of Rs. 15,000 and above in a monthly billing cycle.
  • Complimentary lost card liability insurance coverage
Kotak Essentia Platinum Credit Card Joining fee: Rs. 1499
Annual fees: Rs. 749


  • Get 6 free tickets from PVR or 1200 reward points for spends over Rs. 1,25,000 within 6 months, under the “Milestone Feature”
  • 10% savings on departmental and grocery store spends
Kotak Delight Platinum Credit Card Joining fee: Rs. 1999
Annual fees: Rs. 299


  • 10% cashback on all your Dinning & Movie spends
  • A maximum Cashback of Rs. 600 per billing cycle

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:
  1. Credit Cards have universal acceptability.
  2. For using a Credit Card, a customer has to pay a fixed sum as annual fees.
  3. Financial Institutions generally waive off the charges if the customer meets a certain criteria in terms of his expenditure behaviour.
  4. Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
  5. Customers can settle the balance with Monthly EMIs.
  6. Credit Cards come with a 24/7 service, unlike other card forms.
  7. Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:
  1. Ease in payments while shopping, dining, travelling and settling bills.
  2. Timely repayments on Credit Cards help in improving your Credit Score.
  3. Access to premium services offered by the financial institution which issued the card.
  4. Amazing discounts and cashbacks upon the purchases made using the card.
  5. Access to more funds in times of immediate need
  6. Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 25 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof of Credit which is not related to your Personal bank accounts.
  1. PAN Card
  2. Passport
  3. Driving License/Voter ID
  4. Aadhaar Card
  5. Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.