Kotak Mahindra Bank Credit Cards - Features, Eligibility & Apply Online

Your go-to resource for a thorough rundown of Kotak Mahindra credit cards is Findcreditloan.

Since Kotak Mahindra Bank began offering credit cards in 2008, over 50 lakh credit cards have been issued, a sign that consumers are happy with the service. Kotak Mahindra Credit Cards are designed in such a way that they suit all the needs of an individual. From basic to premium credit cards, Kotak Mahindra has it all for you.

Top Kotak Mahindra Bank Credit Cards

Kotak 811 Credit Card ⭐

Suitable for shopping Redeem reward points into shopping gift vouchers Earn 2 reward points on online purchases Earn 1 reward point on offline purchases Receive 500 bonus reward points as welcome benefit 1% fuel surcharge exemption No 1.8 % surcharge on rail ticket booking through IRCTC No 2.8% surcharge on rail ticket booking via ticket counter Spend Rs.75000 or more in a year and receive 4 PVR movie tickets or Rs. 750 cashback Get complimentary card insurance worth Rs.50,000

Kotak League Platinum Credit Card ⭐

Best Lifestyle credit  card Minimum 5 lakh annual income required Pay joining fee and get a movie ticket free Spend Rs.1,25,000 or more in 6 months and receive 4 PVR movie tickets or 10,000 reward points Spend Rs.150 and earn 8 reward points 1% fuel surcharge exemption Waive off renewal fee by spending Rs.50,000 or more in a year

Kotak Royale Signature Credit Card ⭐

No joining fee Minimum 24 lakh annual income required Earn 4 reward points on travel, dining, or international expenses Earn 2 reward points on other expenses Spend Rs.4 lakh annually and earn 10,000 bonus reward points Spend Rs.8 lakh annually and earn 30,000 bonus reward points Free 8 domestic airport lounge access yearly Waive off the annual fee by spending 1 lakh or more Save Rs. 500 annually on railway expenses done through IRCTC 1% fuel surcharge exemption

Kotak Urbane Gold Credit Card ⭐

Best Shopping credit card No joining fee Waive annual fee by spending Rs.15,000 or more on retail yearly Spend Rs.100 on retail and get 3 reward points Spend Rs.1 lakh or more annually and receive 4 PVR movie tickets or 10,000 bonus reward points. Get complimentary card insurance worth Rs.50,000  Add-on member feature available

IndianOil Kotak Credit Card ⭐

Suitable for fuel expenses Receive 1000 reward points as welcome benefit Spend Rs.50,000 or more in a year and waive off annual fee Receive 4% reward points on fuel expenses Receive 2% reward points on grocery and dining expenses Receive 0.5% reward points on other expenses Complimentary insurance worth Rs.2 lakh for personal accidents 1% fuel surcharge exemption Receive complimentary add-on card

Myntra Kotak Credit Card ⭐

Suitable for shopping Receive Rs.500 worth Myntra voucher on card activation Free myntra insider membership as a welcome benefit Receive 7.5% instant discount on Myntra Get 1 free domestic airport lounge access every quarter Spend Rs. 50,000 or more in a year and get 2 movie tickets free Receive 5% cashback spend at partner merchants Receive unlimited 1.25% cashback on other expenses 1% fuel surcharge exemption

 

Kotak Mahindra Bank Credit Card Charges

Credit Card	Joining Fee	Annual Fee
Kotak 811 Credit Card	Rs.500	Rs.500
Kotak League Platinum Credit Card	Rs.499	Rs.499
Kotak Royale Signature Credit Card	NIL	Rs.999
Kotak Urbane Gold Credit Card	NIL	Rs.199
IndianOil Kotak Credit Card	Rs.449	Rs.449
Myntra Kotak Credit Card	Rs.500	Rs.500

*All charges are subjected to GST

Eligibility Criteria for Kotak Mahindra Bank Credit Cards

Here is the basic eligibility criteria list that’s required for Kotak Mahindra Bank Credit Card:

Age: the minimum age to get a credit card is 18 years

Income: As per the requirement of the card

Employment: Salaried or self-employed 

Credit Score: Must have a good cibil score

Documents required for Kotak Mahindra Bank Credit Cards

The following documentation must be presented when applying for Kotak Mahindra Bank credit cards:

Address Proof

Identity Proof

Income Proof

Age Proof

PAN Card

Application process for Kotak Mahindra Bank Credit Cards

You can either apply online or offline for your preferred credit card.

Online process

Step 1: Visit the official website of Kotak Mahindra Bank

Step 2: Select the ‘Credit Card’ option

Step 3: Choose the type of card you want

Step 4: Now click on ‘Apply Now’

Step 5: Fill in the application form

Step 6: Submit your form and required documents

Step 7: Wait for verification and approval.

Step 8: Track your application on the official website.

If approved, you’ll receive your credit card at your doorstep.

More details - Findcreditloan.com

Offline process

Step 1: Visit your nearest IndusInd Bank Office.

Step 2: Ask the bank executive to provide details for the credit card.

Step 3: Fill the form and submit all the required documents.

Step 4: Wait for approval.

If your card application is approved, the bank will deliver your card at your doorstep. 

*You can also directly apply for a credit card from the Findcreditloan website.

 

Frequently Asked Questions (FAQ)

How to check Kotak credit card application status online?

Step 1: Visit Kotak bank website

Step 2: Select cards and then select credit card services

Step 3: Choose application status

Step 4: Click on the product option and choose credit card

Step 5: Fill the application or reference number/ Phone number and DOB

Step 6: Lastly, click on check application status.

How to redeem Kotak credit card reward points?

You can visit the official website, utilize the Kotak Bank mobile app, use net banking, or shop at associated retailers to redeem your reward points. Reward points can be exchanged for cashbacks, dining, shopping, or hotel or travel reservations. You can use your credit card to settle the remaining amount if you don't have the necessary reward points for the chosen reward.

How to increase Kotak credit card limit?

You can increase the limit of your credit card in various ways, such as:

• Requesting the bank directly
• If you pay all the bills in full and on time, then the bank automatically increases the limit of your card
• If your credit utilization ratio is less than 30%, the bank raises the limit of your credit card
• You can request a new credit card, which has a higher credit limit compared to your existing card.