Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Kotak Mahindra Bank provides net banking services to all its individual customers. Credit card holders of the bank can make the best use of the facility to bank at their convenience. By offering a lot of features and facilities, the net banking service acts as a one-stop solution for most of the credit card related requests and services.
The internet has made many things easy and convenient. Similarly, the online banking service has taken banking to the next level. Kotak Mahindra Credit Card users can get the following benefits by registering their credit card for net banking services.
Registering your credit card for Kotak Mahindra Net Banking or opening a Kotak Mahindra Net banking account for your credit card requires a simple registration process. The facility is available for all Kotak Mahindra credit card customers and can be done both online and offline. Let’s discuss the process in detail.
People having access to internet can register for Kotak Mahindra net banking by following the below mentioned instructions
Once you receive the OTP, go to Kotak Mahindra net banking main page, enter your CRN and in the password field enter the 12-character new password, the 6-character password chosen by you and the 6-character OTP received on your mobile, and click on ‘Secure Login’. Once you login to your account, you will be asked to change your password. You can then change the 12-character password with the one of your choice. Once your password is changed, you can use the CRN and the changed password to login to your net banking account the next time.
Those who don’t have access to the internet can register for net banking by calling Kotak customer care centre at 1860 266 2666 or +91 22 6600 6022.
Alternatively, they can also submit a duly filled in physical request form, ‘Channel Access Request form’ either at the branch office or at any Kotak Mahindra bank ATM. They can also send the filled in form through ordinary post to Customer Contact Centre, Kotak Mahindra Bank Ltd., Post Box Number 16344, Mumbai 400 013.
Now that you have net banking access for your Kotak Mahindra Credit Card, all you need to know is what all you can do using the account. Primarily, you will get access to your credit card account information including
In addition, you can directly pay your bill using your internet banking account by using the ‘Pay Now’ button available on the ‘Account Summary’ page or the ‘Make Payment’ option available in the left side menu.
Kotak Mahindra Internet banking also allows to raise certain service requests available on your credit card. A list of available services is provided below.
The ‘Convert to EMI’ service will allow you to convert your credit card purchases into equated monthly instalments (EMIs). Eligible purchases above Rs.3,000 can be converted into EMIs that can be paid back in the tenures 3, 6, 9, 12, 24, 36, and 48. To avail the facility follow the below steps.
Login to net banking account > click on Credit Card > Transaction to EMI
Transfer your other bank credit card balances to Kotak Credit Card using the ‘Online Balance Transfer’ feature. Transfers can be made to Kotak Mahindra Credit Cards that are more than 6 months old with a minimum amount of Rs.2,500 and maximum 75% of the credit limit. To avail the feature
Login to net banking account > click on Credit Card > Balance Transfer
If you want to receive your monthly credit card statements as e-mail instead of receiving it through post, you can register for the service using your net banking account
Login to net banking account > click on Credit Card > Service Request > Register for e-Statement
If your credit card is eligible for add-on card, which is a supplementary card issued to the family member of the primary cardholder, you can apply for the same using your net banking account. To apply
Login to net banking account > click on Credit Card > Add-on Card > Fill the details > click on ‘Go’ > Review the details and confirm
The bank offers Loan on Credit Card facility to selected customers who can avail a personal loan up to Rs.5 lakh. You can apply for the personal loan using your internet banking account by following the below instructions.
Login to net banking account > click on Credit Card > Loan on Credit Card
These are a few services that can be availed using Kotak Mahindra net banking facility for your credit card.
You can open the Kotak Mahindra net banking account only after receiving your credit card as the CRN/Customer ID required to register for the service is imprinted on the credit card.
You can regenerate your password with the 'Generate Password' option available on the Kotak Mahindra Net Banking login page. Alternatively, you can get assistance on the same from the bank’s 24x7 call centre.
As CRN /Customer ID imprinted on your Kotak Credit Card is little difficult to remember, the bank provides you with an option to choose an alternative for the same, which is nothing but your ‘Nick Name’. You can create your Nick Name once you register for the net banking service. To create Nick Name
Once your Nick Name is created successfully, you can use it instead of your CRN to login to your net banking account.
You can use the ‘Generate Password’ link on the Net Banking main page to generate your password through which you can unlock your account. Also, you can call Kotak Mahindra credit card customer care or visit any nearest bank’s branch office.
The net banking services provided by the bank are absolutely free for its customers.
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