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Check Pre-Approved Kotak Credit Card for you in Just One Click
  • Access Premium Airport Lounges

  • Fuel Surcharge Waivers

  • Earn Unlimited Reward Points

Kotak Mahindra Bank offers customers a range of credit cards, which can be used as economic tools. The bank provides credit cards with attractive features such as travel benefits, discounts, and cashback mechanisms, which act as rewards for spending money.

Different types of credit cards from Kotak Mahindra Bank are available for different purposes and to meet the needs of every kind of customer. With so many types of credit cards available in the marketplace, it is difficult for one to choose the right one for themselves. Therefore, we have listed the most popular cards with all their details.

Top Kotak Credit Card in India for 2022

Credit Card Annual Fee (in Rs. ) Best Suited For
Kotak League Platinum Card Rs. 500 Shopping and Rewards
Kotak Royale Signature Credit Card Rs. 999 Lifestyle and Travel
Kotak Mojo Platinum Credit Card Rs. 1000 Reward Points

Features & Benefits of the Best Kotak Credit Cards

We know choosing the right credit card that fits your needs can be quite tricky in this pool of offers. Therefore, we are here to help with all the details including the fees, ratings, and category:

Kotak League Platinum Credit Card

  • Earn up to 8X points on every Rs.150 transacted through Credit Card.
  • Welcoming voucher worth Rs.500 is sent to customers (via mail and mobile) once they have paid the joining fee.
  • Movie voucher worth Rs. 500 is sent on registered mail id & mobile no post joining fee.
  • Access to 600 premium airport lounges worldwide
  • Fuel surcharge waiver up to Rs. 3500 annually
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Kotak Royale Signature Credit Card

  • 4X Rewards on travel and tour agencies, package tour operators, hotels, airlines, and air carriers.
  • Complimentary visits to partner lounges under the Visa Lounge Access
  • Get 2 BookMyShow vouchers at the first swipe of the card
  • Fuel Surcharge Waiver of 1% at fuel stations
  • Insure your credit card and get a cover of Rs. 2,50,000 in case of any theft or loss.
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Kotak Mojo Platinum Credit Card

  • Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends.
  • Earn unlimited 1 Mojo point for every Rs. 100 on all other spends.
  • On all other retail spends earn 1 Mojo point for every Rs. 100 – except on fuel & cash withdrawal
  • Get 2500* Mojo points every quarter on spending Rs. 75,000. Valid for the first year only.
  • Get 8 complimentary Dream Folks Airport Lounge visits annually within India (Domestic and International terminals). 2 visits per quarter
  • Get your annual fees waived on spending Rs. 1 lakh annually.
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What should be the Eligibility and Documentation

You must make sure you meet the conditions of your credit card provider in order to obtain a credit card. It implies that the eligibility for credit cards varies between issuing banks. Additionally, your credit card application will be straight away rejected if you don't match the requirements. Additionally, it can affect your credit score which is bad for you in the long term.

Before applying for a credit card, you must fulfil the following requirements:

  • You should fall within the 18 to 65 age range.
  • You must demonstrate that you earn at least Rs. 400,000 annually. (The credit card issuer will determine the minimum salary criteria.
  • You must be a professional who is self-employed or is a salaried employee of an organisation.
  • A credit score of at least 750.

Given below are a list of documents that are accepted and required at the time of applying for a Kotak Credit Card:

How to Apply for Kotak Credit Card Online

So, how do you apply for a Kotak Credit Card through ReferLoan? It’s simple, complete your eligibility check and choose the card you wanna apply for. Here, you just need to fill up an application form and attach the required documents. The rest of the process is completely digital, so you don't need to spend on printing and other offline expenses.

    Follow the steps to apply for Kotak Credit Cards through ReferLoan:

    • On the Kotak Credit Card page, you will find the list of Kotak credit cards on the top.
    • Choose the card you want and click on the 'Check Eligibility' button
    • Here you will be introduced to a list of eligibility questions
    • If you will fulfill the eligibility criteria, you will be redirected to the online application page.
    • Fill in all the required details on the page and click on 'Submit'.
    • Now you will be asked to upload the required documents - upload them click on 'Submit'

How to Redeem Kotak Reward Points?

Kotak rewards points is a program designed to give customers the flexibility of converting their savings into high-value rewards. With the accumulation of all your reward points, you can redeem it with a host of redemption options like Air tickets, mobile recharge, 10,000 merchandise, and much more using easy rewards with easy points redemption option.

    Simply follow these steps to get your reward points redeemed:

    • Go to “kotakrewards.com”
    • Go to the right navigation bar and select the “login” option from the drop-down
    • Enter your CRN, after that, you will receive an OTP
    • Fill in the OTP in the given field.
Apply Now

Fees and Charges

Some of the general fees and charges related to the Kotak Credit Cards are mentioned below for your reference:

Fee Type Amount
Joining Fee Depends on the credit card variant
Annual Fee Depends on the credit card variant
Finance Charges Up to 3.50% per month (42.00% p.a.)*

Certain charges may vary depending on the type of card you use. Please refer to the terms and conditions for details on specific types of cards.

FAQs

Kotak Mahindra Credit Card limits are increased automatically. The bank reviews a spending pattern, balances, and other factors before deciding whether to offer a credit limit increase. You cannot increase your limit only. However, you can still call the customer care center to make a request for an increase in your limit.

Creating a pin for Kotak Credit Card is easier than ever. You can simply go to Kotak net banking or mobile banking and generate your pin after creating an account. Or, you can also give a call on 18602662666 to request the same.

You can easily get your Kotak Credit Card closed by writing to your nearest branch, emailing them, or by reaching out to customer care on the phone. The only condition is all your dues must be cleared, the point must be redeemed and the auto payments must be cancelled.

In case of any loss or theft of your card, you can contact the customer care of Kotak Mahindra Bank at 1860-266-2666 and for 811 customers at 1860-266-0811.

Designed keeping women in mind, the Kotak Silk Inspire credit card can be the best option to pick. The user can avail of exciting reward points and benefits on this card.