Kotak Mahindra Bank offers different types of credit cards ranging from basic to premium categories. These Kotak Credit Cards cater to the varying individual requirements such as rewards, cashback, discounts, travel benefits, movie benefits and more.
Some of the popular cards include Kotak PVR INOX Credit Card, Kotak Indigo Ka-Ching 6E Rewards Credit Card and Kotak White Credit Card. You can compare and apply for select Kotak Mahindra Bank Credit Cards online through our platform. Read on to know more about credit cards offered by Kotak Mahindra Bank.
Best Kotak Credit Cards for 2024
Kotak Mahindra Bank offers credit cards with wide-ranging benefits across different spending categories. You can shop and save at the same time with the right Kotak Mahindra Bank Credit Card.
To help you choose the right credit card, here we have listed some of the most popular & Best credit cards in India from Kotak Mahindra Bank along with their ratings and other benefits:
| Kotak Credit Card | Annual Fee | Key Features | Rating (out of 5) |
| Kotak IndiGo 6E Rewards XL Credit Card | Rs. 2,500 | 8 complimentary domestic airport lounge visits per year; Up to 6% rewards on spends across different categories |
★★★ |
| Kotak Zen Signature Credit Card | Rs. 1,500 | 10 Zen points per Rs. 150 shopping spends, 5 points on others; 3 international Priority Pass & 8 domestic Dream Folks lounge visits per year |
★★★ |
| Myntra Kotak Credit Card | Rs. 500 | 7.5% off up to Rs. 750 per transaction on Myntra; Unlimited 1.25% cashback on other spends |
★★★ |
| PVR INOX Kotak Credit Card | Joining: Nil Annual: Rs. 499 |
Free movie tickets worth Rs. 300 each per month; 20% off on food & beverages at PVR |
★★★ |
| Kotak White Signature Credit Card | Rs. 3,000 | Earn White Pass value of up to Rs. 27,000 p.a.; 4 international & 8 domestic lounge visits per year |
★★★ |
| IndianOil Kotak Credit Card | Rs. 449 | Save 4% as 24 reward points per Rs. 150 IndianOil fuel spend; 2% back as 12 reward points per Rs. 150 spent on dining & grocery |
★★★ |
| Kotak League Platinum RuPay Credit Card | Rs. 499 | 8 rewards per Rs. 150 spent on travel, electric sales, durable goods & departmental stores; 8 reward points per Rs. 150 spent post Rs. 2 lakh annual spends |
★★★ |
| On this page |
Other Popular Kotak Credit Cards
In addition to the top credit cards mentioned above, Kotak Mahindra Bank also offers some other cards that cater to the varied individual needs:
| Credit Card | Annual Fee | Best Suited For |
| Kotak White Reserve Credit Card | Rs. 12,500 | Premium Lifestyle |
| Kotak Privy League Signature Credit Card | Rs. 2,500 (Nil for Black/Platinum Banking customers) | Rewards |
| Kotak Mojo Platinum Credit Card | Rs. 1,000 | Online Shopping |
| Kotak Royale Signature Credit Card | Rs. 999 (Nil for Privy League Optima & Insignia customers) | Rewards |
| Kotak PVR Platinum Credit Card | Rs. 999 | Entertainment & Movies |
| Kotak IndiGo 6E Rewards Credit Card | Rs. 700 | Travel |
| Kotak 811 #DreamDifferent Credit Card | Nil | Secured Card |
| Kotak UPI RuPay Credit Card | Nil | Virtual Card with Rewards Benefits |
Note: Kotak Mahindra Bank is not taking new credit card applications. Content on this page is for information purpose only.
Suggested Read: Check 25 Best Credit Cards in India for 2024 and find the right card as per your spending habits.
Kotak Credit Card: Fees & Charges
Some common fees and charges associated with Kotak Credit Cards are listed below:
| Fee Type | Amount |
| Joining/Annual Fee | Depends on the credit card variant |
| Finance Charges | Up to 3.70% p.m. or 44.40% p.a. |
| Late Payment Fee | For Outstanding Balance of – Less than Rs. 100: Nil From Rs. 100 to Rs. 500: Rs. 100* From Rs. 501 to Rs. 1,000: Rs. 500 From Rs. 1,001 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 600 From Rs. 10,001 to Rs. 25,000: Rs. 800 From Rs. 25,001 to Rs. 50,000: Rs. 1,000 More than Rs. 50,000: Rs. 1,200 |
*For 811 #DreamDifferent Credit Card, late payment fee of Rs. 500 is charged for outstanding balance equal to or more than Rs. 100.
Click here for other fees & charges and detailed terms & conditions related to Kotak Mahindra Credit Cards.
Kotak Credit Card: Eligibility Criteria
In addition to having a good credit score (preferably above 750), most cards come with their own eligibility criteria which may include the age bracket and employment type with minimum income required that you must meet in order to be eligible for them. Here is the basic eligibility criteria and documents required from the applicant for Kotak Mahindra Bank Credit Cards:
- Age: Between 18 years and 65 years
- Employment: Salaried or Self-employed
- Documents Required: Click here for the list of acceptable documents for Kotak Mahindra Bank Credit Card application.
In addition to the above mentioned parameters, there are several other internal policies of Kotak Bank which determine your eligibility.
Apply Online for Kotak Credit Cards
You can apply for Kotak Mahindra Bank Credit Cards online through our Paisabazaar platform by following the below-mentioned steps:
Step 1: Click here to go to the form on top of this page and provide your mobile number.
Step 2: Verify by entering the OTP sent to your mobile number to see the pre-qualified credit card offers that you are eligible for.
Step 3: Select your preferred Kotak Credit Card after comparing the offers.
Step 4: Complete the application process by filling the detailed form and providing the documents, as asked.
If you are unable to view the offer for a card of your choice on our platform, you may visit the respective bank’s website to apply there directly.
Quick Links to Manage your Kotak Credit Card
Here are some of the links that will help you manage your Kotak Credit Card better:
| Kotak Credit Card Bill Payment | How to Block Kotak Credit Card | Track Kotak Credit Card Application Status |
| Kotak Credit Card Cash Withdrawal | Kotak Credit Card Offers | Kotak Credit Card Customer Care |
Frequently Asked Questions Realted To Kotak Credit Cards
Q. How to increase the Kotak Credit Card limit?
A. Kotak Mahindra Credit Card limit is increased automatically. The bank reviews your spending pattern and other factors like unpaid balances, your credit utilisation ratio, and then decides whether to offer an increase or not. Besides this, you can also contact customer care of Kotak Mahindra Bank and make a request to enhance your credit limit.
Q. How to generate a PIN for Kotak Mahindra Bank Credit Card?
A. You can generate the PIN for your Kotak Credit Card through net banking or mobile banking. All you need to do is log in to your account and navigate to the “Credit Card” section to generate the PIN. To generate your credit card PIN offline, you can contact the customer care of the bank and request for the same.
Q. How to close a Kotak Credit Card?
A. You can close your Kotak Credit Card by writing an application and submitting it at the nearest branch, emailing or contacting the customer care service. Before closing your credit card, make sure that all your dues are clear, all reward points are redeemed, and auto payments are cancelled.
Q. What can I do if my Kotak Mahindra Bank Credit Card is stolen or lost?
A. In case you lose your Kotak Mahindra Bank Credit Card, you can contact the customer care of the bank at 1860-266-2666 and for Kotak 811 at 1860-266-0811. It is important to report the loss of your credit card as soon as you notice it. The bank representative will ask for a few details and block your credit card to save you from any kind of fraud.
Q. What is the eligibility criteria to apply for credit cards from Kotak Mahindra Bank?
A. To apply for any of the Kotak Mahindra Bank Credit Cards, the cardholder should be in the age bracket of 18-65 years. The cardholder should also be an Indian citizen with a stable income or a Non-Resident Indian in the case of an NRI credit card. Some requirements like minimum income and the location of the cardholder vary as per the variant of the credit card.
Q. How to pay Kotak Credit Card bills online?
A. You can make Kotak Credit Card payments via net banking by logging in to the online portal of the bank. All you need to do is log in using your customer ID and password and then go to the ‘Credit Cards’ section. After this, you have to select ‘Payments’ from the menu, select the amount (total due, minimum due or custom) and click on ‘Make Payment’ to initiate the payment.
Q. How to check Kotak Credit Card application status?
A. To enquire about the Kotak Credit Card application status, you would require the application reference number or application form number which is provided by the bank to you at the time of the application. You can visit the official website of the bank and track your application status by entering that number.