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    We found 1 Kotak Bank Aqua Gold Credit Card

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    Kotak Bank Aqua Gold Credit Card

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    Overview:

    Kotak Mahindra bank, India’s leading private sector bank offers a massive range of credit card products spanning across categories like Lifestyle, Shopping, Dining & Entertainment & Cards for the NRI class. The Aqua Gold Credit Card from Kotak is an exclusive card designed to help you save money in the form of interest free cash withdrawals, fuel surcharge waivers and the card comes free for life with no annual fees, which implies more savings.

    In addition, benefits such as free PVR tickets and Cashback of Rs.750 are like icing on the cake. This card is only available to Term Deposit account holders with Kotak Mahindra bank.

    Kotak Aqua Gold Credit Card Benefits:

    • As stated earlier, this card is exclusively available to Term Deposit account holders who can enjoy a credit limit of up to 80% of the balance in the account. You can also be eligible for a limit as high as Rs.12 lakhs.
    • Almost all credit cards in the country bill an average fuel surcharge of 2.5% on the purchase amount. With the Aqua Gold Card, get a surcharge waiver on transactions between Rs.500 to Rs.3,000. The cardholder can get waiver benefits of upto Rs.3,500 in a calendar year which again, helps you in saving money.
    • Generally,cash withdrawals are not only billed a one time fee, but also interest charges at a rate higher than that for purchases. With this card, you have up 48 days to make a payment without any interest charges. You can also withdraw up to 90% of the card limit, anytime of the year.
    • If you’re a frequent traveller and use Indian Railways often, Aqua Gold card holders get a waiver of 1.8% Railway Surcharge when the booking is made on irctc.co.in and 2.5% for transactions made at Booking Counters.

    Kotak Aqua Gold Credit Card Features:

    • If you’re paying a high interest for credit card balance on cards with other banks, use the Balance Transfer option to save on interest. Kotak lets you transfer balances from other cards at a processing fee of just Rs.349 per Rs.10,000.
    • In addition to the plethora of benefits as stated above, you also have an option of getting Add On cards for your loved ones with the same benefits that you enjoy as a primary card holder. Set individual credit limits and monitor at ease.

    Eligibility and Documentation:

    This card is available only on the basis of Term Deposit accounts held. The credit limit and other terms are determined on the basis of the balance held in the TD. Minimum deposit amount required is Rs.25,000 and only individual TD’s are allowed.

    • The primary applicant should be at least 18 years old with an upper cap of 75 years.
    • The applicant should be a resident of India.

    Fees and Charges:

    Joining Fee Rs. 1,499
    Annual Fee Nil
    Late Payment ChargesRs.100 to 700, depending on the O.S balance
    Overlimit FeeRs.500
    Cash Withdrawal Fee Rs.300 for every Rs.10,000 withdrawn
    Add On cardNil

    Kotak Aqua Gold Credit Card FAQs:

    1. Is there an interest free period for retail purchases on the Kotak Aqua Gold Card?

      For retail purchases, the bank provides an interest free period of up to 48 days. This implies, you’ve up to 48 days to make a payment in full to avoid interest charges billed on the specific transaction.

    2. Does Kotak provide insurance cover if my card is used by fraudsters for making transactions?

      The Aqua Shield option provides insurance cover of Rs.50,000 for fraudulent transactions reported within 7 days. In order to make a claim, the cardholder should immediately call the customer service on 1800 102 6022 for blocking the card and register a claim against unauthorised transactions. The cover is applicable to both Primary and Supplementary cards.

    3. I signed up for the Kotak Aqua Gold Card since I frequently draw cash for routine expenses. How much can I withdraw per day?

      With this card, you can withdraw a maximum of Rs.25,000 per day. This amount is valid for cash advances made at ATMs, at Branches and Funds Transfer.

    4. I read something about a Milestone Feature that provides 4 free PVR tickets on this card. How does it work?

      By spending a minimum of Rs.1,50,000 in an year, you qualify to receive 4 free PVR tickets or a cashback of Rs.750. You can call the customer service for more information in this regard.

    5. Is there a reward points program available on this card?

      There is no reward points program available on this card.

    6. What category of cards does the Kotak Aqua Gold belong to?

      This card is a Visa Gold.

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  • Kotak Bank Aqua Gold Credit Card Reviews

    • Kotak Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Kotak mahindra bank credit card is good one and am using it from the last four years of time. Credit limit value is good one with them, also I have not faced any issues with them, also I used to get the offers like PVR tickets for movies, also they have credit limit up to 1.1 lakh Rupees.
      Was this review helpful? 1
      , thane
      Reviewed on Jun 21, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      This is a chargeable credit card with Kotak Mahindra Bank. The bank offered good credit limit and they promised me to increase the limit in another two months of time. I did not have any problem with the bank. I am quite happy with the bank especially when it comes to credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 20, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The line of credit on my KOTAK credit card is satisfactory, but the bankers have called to enhance the limit, I don't require much. Services are very good with them and the response too. I am having this credit card from the last two year of time, also I have not found any drawback with them till date.
      Was this review helpful? 0
      , surat
      Reviewed on Jun 19, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.5/5 "Pretty good"
      I have very less credit limit with the Kotak mahindra bank credit card and I got it when I have started my career. Service aspects and other aspects are nominal one. I am using this credit card from the last three years of time. Payment option and other things are good one.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 17, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.0/5 "Satisfactory"
      I do hvae credit card with the Kotak mahindra bank and the cooling period is around a month of time to make the premium. I have got the PVR credit card and I used to get the movie ticket as two for every month. Credit limit value is around 35000 Rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Not Responsive"
      0.5 1.0/5 "Really Bad"
      I am not at all happy with Kotak Mahindra Bank in terms of credit card. Even I hold savings account with the same bank, that is also not satisfactory. The annual fee is 500 rupees but there is no reward points and cash back offers on my card. Actually I was not in a need of credit card but the bankers forced me to get the card. Recently I faced some problem with the bank, due to which my credit card been blocked.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      Kotak Mahindra credit card service is good but If I have any queries that I am unable to reach their customer care on time, IVR system is very bad. One good thing is they have six digit of pin no, its more secured to do transaction. They have two day of grace time, they accept the payment after two days of due date without any charges. Based on transaction, they are upgrading the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has been top on the credit card services. Till date I have no issues and the credit limit is also up to my satisfaction. The banking services has been good as I can make my payments online. There are offers always on my card and the card is accepted all over.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Need improvement in services"
      0.5 4.0/5 "Great!"
      After banking for many years at Kotak Mahindra bank. Only now they have offered me a credit card with a credit limit of 29K. I have just paid my first bill. The bank has not been up to the mark in the customer services though I am a corporate customer.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am getting the statements with Kotak mahindra Visa credit card. But Its hard to reach the customer service with Kotak mahindra customer support. I got this card around 2 years. It would be great if the customer service is improvised with Kotak mahindra. I would say the service with this Kotak is average.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank has also offered me a credit card and they have given me a decent credit limit. The services are good and when I approach them with a clarification, I get a proper response. The online banking is clear with the transactions I do, so it is easy to identify my details.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 3.5/5 "Pretty good"
      For last 6 months I am using Kotak Mahindra PVR platinum credit card. I will use this card for Online and offline shopping,bill payments and for other usages. This card is for normal use. The notifications, I am getting with kotak sometimes does delay. I am not satisfied with the credit limit, still they can increase the credit limit. I would say, It is an average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "DISSATISFIED"
      0.5 2.0/5 "Expected more"
      I would never want to recommend Kotak Mahindra bank for a credit card. It has been a very poor experience with them. They are not up to the mark, . The credit limit is very low they have just give 15000 rupees and the normal in a month you have a billing of 3 to 4k and I am holding this card for for more than 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2017
    • Kotak Credit Card
      "Convenient to use"
      0.5 4.0/5 "Great!"
      I am happy with Kotak Mahindra Bank in terms of my credit card. The credit limit assigned by the bank is pretty good and it is enough according to my usage. But there are no reward points and cash back offers on my card. It would be really great, if they provide enough reward points too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for a credit card and the services has been good till date. There has good offers given to me on a regular basis and it is a life time free card. The statements are clear and I have no issues in using my card online and offline.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card as well at Kotak Mahindra bank and I do not have to pay any kind of charges. The transactions are smooth on the card and I also get SMS alerts about the same on time. The offers are good and the card has flexible EMI options. Overall no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Very much convenient"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card, I am getting the free movie tickets like buy one, get one. I will be getting good rewards for all transaction, they gave me life time free credit card. Whenever I do any transaction, I check it through Kotak Netbanking.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 08, 2017
    • Kotak Credit Card
      "Super"
      0.5 5.0/5 "Blown Away!"
      I would like to say Kotak Mahindra bank credit card and its the best one because of the feasible interest rate , also the payment option. I am with them from the last two years of time. Customer service is good one with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2017
    • Kotak Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak Mahindra bank and the credit limit on the card is of 25k and I have a cash limit of 5k. There are no much of offers, but I am happy with the overall services and the clear statements. I have not faced any hassles till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2017
    • Kotak Credit Card
      "Should provide faster response to the customer"
      0.5 2.0/5 "Expected more"
      I have taken Kotak Mahindra credit card through online channel, after done with the documentation process. Kotak Mahindra taken a month to dispatch the card. But the credit limit is low, they offered only Rs.25,000 and they not clear about the credit card transaction.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2017
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