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    Kotak Bank Aqua Gold Credit Card

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    Kotak Bank Aqua Gold Credit Card

    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
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra and i am satisfied with the current limit.For the purchases i get reward points and cash back . And i have redeemed my reward points. The mobile banking is comfortable . The customer service and response is fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. I am satisfied by the credit limit which is Rs. 33,000/-. I didn't faced any online issues like otp issues when i tried to make online payments and funds transfer by net banking.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "best product"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. The application process very simple and easy. I am totally satisfied by their credit limit which is Rs. 45,000. The customer support is good and well response.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. There is a annual fee of 2500. The customer services and response is excellent. Though the fee is high. There are good deals on the card. There is a cash back of 10% on dining and restaurant and movie tickets and also on shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have a Kotak Mahindra PVR gold card from last 1 year, i get offers like movie tickets on this credit card and they did not charge any annual fee at the time of getting this credit card. I am happy with the credit limit in this card and i use mobile banking for making bill payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "service is good"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. The application process very simple and easy. I had mobile application to monitor my credit card history. Even i can check my available credit limit and un billed amount too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Kotak Visa credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a VIsa credit card with Kotak and for EMI conversion the rate of interest is 14%. I used to get reward points and cash back with the card. There is an annual charge and will be reversed if the purchase is above 30000. I am comfortable with mobile banking.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using Kotak Mahindra credit card from last 2 years, the credit card services are not up to the mark with Kotak. Net banking is easy to make bill payments and this is a lifetime free credit card. I did not find any offers so far with this card and the credit limit is sufficient in this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      I have been using the kotak essentia platinum credit card for more than 2months the credit card is very good in service and customer service is also very good the cooperation with the banking is very good this is excellent credit card to use all the time.
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      When I got call from the kotak , the card which they were about to offer me was life time free, but when I got the : KOTAK PVR GOLD CREDIT CARD they have charged me Rs,499 as annual fee to this card. The promises need to be fulfilled by the Kotak mahindra bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with Kotak Mahindra bank. The service is good with Kotak Mahindra bank. The rate of interest and charges are good with Kotak. The credit limit of Kotak is nominal compared to others in the market. I uses Kotak Mahindra online net banking which is easy to use. It was an fine experience with Kotak Mahindra credit card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      The credit card service was good and I have got the KOTAK PVR GOLD CREDIT CARD in 45 days of time. They took higher than normal time to deliver the credit card. The credit limit value is average with this card and I had applied for the different card but the card which I got is different.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Better service"
      0.5 5.0/5 "Blown Away!"
      The Kotak mahindra bank credit card service is good and I have got the kotak credit card in a month time ,Kotak took higher than normal time. The credit limit value is low with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • Kotak Credit Card
      "Average service"
      0.5 5.0/5 "Blown Away!"
      The credit card process was good quite good with the Kotak mahindra bank. I have got the KOTAK PVR GOLD CREDIT CARD in 10 to 15days of time. The credit limit value is low with this card, when compared with the other credit cards. The customer support service need to be focused with the Kotak mahindra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. The customer services and response is good and there are no hassles in the process. I am also happy with the credit card offers and the credit limit. I also get the statements on time. Overall no issues.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 14, 2018
    • Kotak Credit Card
      "Can be more responsive"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Kotak Mahindra bank. The offers and credit limit is good. But there is no proper response. They need to work on that, and be more responsive when I approach them with a query. The statements and limit is good and there are no hassles in that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 14, 2018
    • Kotak Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with KMB from last 4 years, i pay an annual fee of Rs 250 for this credit card and i am happy with the credit limit in this credit card. The credit card services are good when compared to other credit cards. I make my bill payments by cheque. I did not find any offers on my KMB credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 14, 2018
    • Kotak Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. The process was very convenient for me to get the card. There are no issues while using the card too. It is accessible every where. The documents was taken on time. The credit limit is okay for me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 14, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a credit card with Kotak Mahaindra bank. The customer support is prompt with Kotak. The online net banking facilities are fine with Kotak Mahindra credit card service. The offers and benefits are fine with Kotak Mahindra bank. It was totally an good experience with Kotak Mahindra bank credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 13, 2018
    • Kotak Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have taken a Kotak Mahindra Credit Card, but I am not getting a good credit limit, I am not satisfied at all the limit they have offered me, the limit is around Rs. 15,000. The card is life time free credit card, and I get benefits from the card as well, like movie tickets, etc.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 12, 2018
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