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  • Kotak Bank Add-on Credit Cards

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  • It would not be wrong to say that credit cards have completely revolutionized the way individuals are spending and making purchases. This financial tool has had a significant impact on the financial world and is widely used across the globe. Ever since its introduction in the 1950s, credit cards have had perhaps the most significant impact on the economy as compared to any other product. These unassuming plastic cards have changed the economic world. From paying for every product and service through cash, customers today prefer paying for the same through cards, either debit or credit although credit cards are more popularly used.

    The reason for the popularity of credit cards is many. This financial tool is preferred mainly for the convenience that it offers as it is accepted in almost all counters, both online and offline. It is easier to carry one card instead of a wad of cash as well. Additionally using credit cards can result in other benefits and perks such as rewards points, AirMiles and so on which can be redeemed for discounted air tickets, goodies from a catalogue. Additionally, shopping and dining discounts can also be availed by cardholders when they use their credit card a certain number of times. Waiver of fuel surcharge is another advantage that can be availed.

    Who can avail an Add-on Credit Card?

    Almost all financial institutions and banks today provides individuals with credit cards. There are a number of different types of credit cards based on the benefits and features that they provide.

    Despite the plethora of benefits that they provide, credit cards do have certain not-so-good features. Every month, cardholders will have to pay the bill within the given billing cycle and preferably completely. However, they also have the option to pay just the minimum balance due, this is not advisable. This is due to the fact that, an interest rate will be charged to the amount that is yet to be paid and this in turn can add up to a hefty amount, if left unpaid. This can also have a serious impact on the credit score of the cardholder. In case the cardholder’s credit score falls below the accepted number, it will be very hard for him/her to avail loans or other credit cards in the future. Therefore credit cards need to be used judiciously and responsibly.

    Due to this reason, credit cards cannot be procured by everyone but only by those who meet the eligibility criteria set by the financial institution or bank that is providing the credit card. Certain factors that influence an applicant’s eligibility to avail a credit card include income, credit score, age, and so on. However the good news is that even those individuals who do not meet the required criteria can now avail these cards in the form of add-on or supplementary credit cards.

    Add-on credit cards on the other hand can be availed by family members of a primary cardholder only if they meet the required eligibility criteria, chief of which is age.

    What is a Kotak Mahindra Bank Add-on Credit Card?

    Supplementary credit cards or Add-on credit cards are issued by the bank or financial institution under the primary credit card to the family members of the primary cardholder. The number of cards that can be availed varies from bank to bank. Usually children, parents or spouse of the primary cardholder can avail an add-on credit card. Perks of the supplementary card will usually be the same as that of the primary credit card.

    One of the premier banking institutions in the country, Kotak Mahindra is known for its plethora of products and services. As part of its banking portfolio, this bank provides loans, debit cards and credit cards among others. Add-on credit cards are also available. However, add-on credit cards cannot be availed for all credit cards. If the applicant meets the required eligibility criteria, it is easy to avail a supplementary credit card from Kotak Mahindra Bank.

    Eligibility for Kotak Mahindra Bank Add-on Credit Cards

    Add-on credit cards from Kotak Mahindra Bank can be availed by individuals who meet the following eligibility criteria-

    • Applicant must be above the age of 18.
    • Applicant must be a relative of the primary cardholder.
    • The primary credit cardholder must approve the supplementary credit card request.

    Other requirements may be applicable based on the terms and conditions of the bank.

    Documents Required for Kotak Mahindra Bank Add-on Credit Cards

    The documents required for a Kotak Mahindra Bank supplementary credit card are as follows -

    • Application form that is completely filled.
    • Proof of identity and proof of address of the supplementary credit card applicant.
    • Passport size photo of the add-on credit card holder.

    Additional documents may be requested based on the requirements of Kotak Mahindra Bank. Customers should note that an add-on credit card option will not be provided unless all the necessary KYC (Know-Your-Customer) documents are furnished.

    How to apply for Kotak Mahindra Bank Add-on Credit Cards

    In order to apply for a Kotak Mahindra Bank Add-on credit card, individuals can contact the Kotak Mahindra Bank directly or online for the same.

    Apply through Net Banking/Online

    Customers will have to follow the steps given below in order to apply for an add-on credit card through net banking option -

    • Customers will have to log in to the Kotak Mahindra website and choose the ‘Net Banking’ option.
    • The CRN will have to provided as the User ID and the password will have to be provided.
    • Customers will then have to click on the ‘Credit Card’ and then choose ‘Add on Card’.
    • Certain details will have to be provided as asked. Once applicants have finished providing all the details, they will have to click ‘GO’.
    • Customers will have an option to review the details that they have entered once more before confirming the same.

    Apply for Kotak Add-on Credit Card through SMS

    Customers also have the option to apply for an add-on credit card through SMS. Customers will have to SMS to the number 5676788 post which a representative of the bank will contact them.

    Customer Care

    Applicants who are unable to apply for an add-on credit card from Kotak Mahindra Bank through the above methods can also call the Kotak Mahindra Bank Customer Care number which is available at all times of the day, throughout the week.

    Features and Benefits of Kotak Mahindra Bank Add-on Credit Cards

    • An add-on or supplementary credit card comes with a number of advantages. This card is meant for those who are otherwise unable to procure credit card, generally.
    • The supplementary credit card comes with the same benefit as that of the primary credit card, unless otherwise specified.
    • Using add-on credit cards can give its holder Reward Points and AirMiles or other benefits which can be utilised later on
    • Primary cardholder can set the spend limit on the add-on credit card as required. Each of these spends can also be tracked.
    • The credit limit on the Kotak Mahindra Bank add-on credit card is the same as that of the primary credit card. However, this is subject to changes based on the terms and conditions imposed by Kotak Mahindra Bank.
    • Most of these credit cards can also be used abroad.

    Fees and Charges for Kotak Mahindra Bank Add-on Credit Cards

    The Kotak add-on credit fee for the following cards is given below -

    Card Fees
    Royale Credit Card Nil
    Privy League Credit Card Nil
    League Credit Card Nil
    Silk Inspire Credit Card Nil
    Essentia Credit Card Rs.299
    Delight Credit Card Rs.299
    Wealth Management Credit Card Nil
    PVR Platinum Credit Card Rs.299
    NRI Credit Card Rs.599
    Aqua Credit Card Nil
    PVR Gold Credit Card Rs.299
    Urbane Credit Card Nil
    Feast Credit Card Rs.299
    Fortune Credit Card Rs.299
    BestPrice Credit Card Nil
    BestPrice - Premium Credit Card Nil

    Kotak Mahindra Bank Credit Cards with Add-on Credit Card Option

    Customers can vail add-on credit cards for the following credit cards from Kotak Mahindra Bank -

    • Royale Credit Card
    • BestPrice - Premium Credit Card
    • BestPrice Credit Card
    • Fortune Credit Card
    • Feast Credit Card
    • Essentia Credit Card
    • Silk Inspire Credit Card
    • Urbane Credit Card
    • PVR Gold Credit Card
    • Aqua Credit Card
    • Wealth Management Credit Card
    • PVR Platinum Credit Card
    • Delight Credit Card
    • NRI Credit Card
    • Privy League Credit Card
    • League Credit Card

    FAQs on Kotak Add-on Credit Card:

    1. How is credit score calculated on a Kotak Mahindra Bank supplementary credit card?
    2. Credit score will not be calculated for an add-on credit card. Instead all activities will be reflected in the primary cardholder’s credit report.

    3. Who pays the bills for a Kotak Mahindra Bank add-on credit card?
    4. The add-on credit card bill is paid by the primary credit cardholder.

    5. How can one apply for a Kotak Mahindra Bank add-on credit card?
    6. Customers can apply for a supplementary credit card from Kotak Mahindra Bank through Net banking method, through SMS, and by calling the customer care service.

    7. Who can track the spends made on the supplementary credit card?
    8. The primary credit cardholder can track all spends made on the add-on credit card(s).

    9. What is the credit limit applicable for a Kotak Mahindra Bank supplementary credit card?
    10. The credit limit for a Kotak Mahindra Bank add-on credit card is the same as that of the primary credit card or lesser, depending on the terms and conditions of the bank.

    Know More About Other Bank Add-on Credit Card

      

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    Kotak Bank Add-on Credit Cards Reviews

    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given was okay because I was expecting more than that. So far no issue faced by using this card. Their service is good.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      For the past 2 years I am using HDFC BANK credit card for more than 2 years with low credit limit of 21 thousands only for 2 years I am using this card yet they have not enhance it. It is a life time free credit card. EMI option is applicable and charges are nominal.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for more than 3 years. It is an annual fee chargeable of 2000 rupees and there is no option for a waiver off. The credit limit is sufficient for 50 thousands only. EMI option is applicable for this card and it is nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly .I am using this credit card for the past 2.5 years ,The credit limit was very less and there was no difficulties faced so far ,I have got the credit card on time without any hassle and this card is really good to use .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The reason for taking Indusind Bank Ltd credit card because of the higher credit limit. I have used the card and made a payment as well without any difficulty. The credit limit is more than sufficient. They did not inform me about the reward points. The documentation process is easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am holding RATNAKAR BANK credit card for more than 2 years. It is an annual fee chargeable card of 1000 rupees and there is an option for a waiver off for a certain amount of usage. EMI option is applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Indusind Bank credit card which was taken through Online .I have got the credit card on delay basis it took 1month time that was the difficulty faced by me .The credit limit was good and this was a free card .I am really satisfied with the service so far .There was no cash back offers and reward points .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 17, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have Citi Bank credit card for the past 1 year .I am using this credit card for the past 1year .I have got all the required details about the card process ,I have got this credit card on time without any hassle .The credit limit was pretty good and there was no drawbacks faced .I am satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank .I am using this credit card for the past 1 year and it was a chargeable card ,I have got my credit card on time without any delay .The credit limit was really good and there was no drawbacks faced .I am realy satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank OF India credit card which was taken through Bank direclty.I am using this credit card for the past 6 years .I have got good credit limit and there was no difficulties faced while using tis card .It is very easy to use and very comfortable as well .I am satisfied with this credit card so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 17, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 6 years .I have got all the required details about the card process ,I have got my credit card on time without any details .The credit limit was really good and there was no drawbacks faced .I am totally satisfied with the service .
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card which was taken through Online .The credit limit was very good it was upto 1 lakh it was sufficient .I have got all the required details about the card process.I have not faced so far on using this card .This was a free card .I am totally satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank .I am using this credit card for the past 4 years ,This card is very easy to use and there was no difficulties faced so far .I am really satisfied with the service .I am comfortable with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank directly. I am using this credit card for the past 1 year and got all the required information about the card process very clearly . This was a chargeable card and the credit limit was really good and it was 1,52,000. I am completely satisfied with the service.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I received a card on time which was applied through an online with INDUSIND bank. It is a life time free credit card. The credit limit is given for 75 thousands which was low because I was expecting more than a one lakh. EMI option is applicable. I have been using this card for shopping, fuel and restaurant purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Very Nice to use"
      0.5 3.0/5 "Satisfactory"
      In SBI, they are providing a voucher if i pay the annual fee of Rs. 3000 and if i use more than Rs. 5000 yearly, the annual fee is getting waived off. In SBI, i have a prime card. They gave me a credit limit of Rs. 50000. Customer care service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Very Good to use"
      0.5 5.0/5 "Blown Away!"
      They have given me a nice offers and the rewards points will be nice when I'm getting in a shopping. I have got the credit limit of Rs. 1 lakhs. There is a annual fee of Rs. 3000 but i can pay this by using the rewards points. I have got the first month bill and i have to pay on 24th of this month. The statement is clear to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years and got all the required information about the card process very clearly .This was a free card and and there was no difficulties faced so far on using this card .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was taken through Bank.I am using this credit card for the past 4 years.This was a free card and there are good reward points as well as cash back offers .I have submitted the required documents very clearly .There are good reward points as well as cash back offers .I am satisfied with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with INDUSIND bank on two months before which was processed through an online. Within 2 days I received a call from their end once verification completed by 15 days I received a card. The credit limit is low as per my requirement. EMI option not aware. There was some requirement so I have chosen to apply for it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2019
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