Kotak Mahindra Bank Credit Card users can check their credit card balance using various channels with and without internet. The credit card balance which is the difference between the credit limit and the outstanding due on the card is an important element to be aware of as it helps users spend within the credit card limit thus saves them from paying over limit fee.
If your mobile number is registered with the bank, you can send an SMS to know the balance on their credit card.
Other Banks Credit Card Balance Check
The SMS service can also be used to know the current amount due on the card, total spends in the month, about the last payment, last three transactions on the card and others. However, the keywords in the SMS would vary for each request.
Kotak Mahindra has a designated helpline for all credit card related queries.
Make sure to have your credit card handy as you need to confirm your card number, expiry and other card details over the call. The Kotak Mahindra phone banking service can also be used to know other credit card related services including outstanding balance on the card, previous transactions details, payment status and others. The phone banking service is not free but will attract standard call charges.
Existing Kotak Mahindra Bank internet banking users can use their online accounts to check their credit card details.
Kotak Credit Card holders can also use the mobile app to check their credit card balance and other account details. In order to use the service, cardholders need to have the customer relationship number (CRN) and mobile banking password (MPIN). While the CRN is imprinted on the Kotak Credit Card, you need to generate your MPIN on your own after downloading the app on your smartphone.
Once you have the credentials, follow the below method to know your credit card balance.
You will get the account summary of your credit card including available balance on the card, credit limit, cash limit, payment status and other details.
Yes, you can check Kotak Bank Credit Card balance even without having internet connection. You can either call the Kotak Mahindra’s customer care or you can send an SMS in the specified format from your registered mobile number to know your credit card balance.
You can register your for Kotak Mahindra net banking either through online or by calling the customer contact centre or by submitting a physical request form at Kotak bank branch or ATM.
Yes, you can check your Kotak Mahindra credit card balance using another mobile number as well. However, while using a non-registered mobile number, you can only call Kotak customer service to check the balance on your card. You cannot avail SMS service from a non-registered mobile number.
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