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    We found 1 Kotak Bank Aqua Gold Credit Card
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    Kotak Bank Aqua Gold Credit Card is Rated as "Blown Away!" by 3 Users

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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
      "Movie tickets offer with Kotak"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak. They offer 450 rupees movie tickets for every month if the purchase is more than 15000. Limit is 1.25 lakhs. I get reward points and there is no annual charge. There is no reward points. I suggest this card to customer who can spend the amount less than 20000 per month.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Not satisfied with the limit"
      0.5 2.0/5 "Expected more"
      I have taken a platinum credit card from KOTAK. The approved limit was 1 lakhs. Already i have a credit card were i hold a limit of 6 lakhs. I am not satisfied with the limit. Reward points is there. There is no annual charge. I have not used the card yet need to use the card later.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Good and comfortable"
      0.5 5.0/5 "Blown Away!"
      I hold A KOTAK signature credit card with a limit of 75000. Its been just one month i started using the card. I get reward points but not sure about the cashback. There is no annual charge depending on the usage further I use this card for shopping, Electronic purchase etc.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Looking for Better feature"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra is taking high charges based on the credit card transaction, I hope I am holding life time free credit card. I am using Kotak Mahindra credit card around two years, but they haven't enhance the credit limit, since its very low.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I hold a League Platinum credit card with Kotak Mahindra Bank. I am using it for 1.5 years, it was a average service. They are giving good reward points and offers. But I can utilize the points after 6 months, it was not a immediate. If I transact more than the limit then annual fee will be waived off. The payment option is easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Friendly credit card "
      0.5 5.0/5 "Blown Away!"
      Kotak credit card is actually good, I could easily log in their netbanking features. I am having saving account with the same bank its convenient to check credit card transaction. Some time they giving no EMI Interest for three months its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Good features"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has also offered me a credit card. The best about the card is the reward points and the credit limit too. There are no cash back offers. The billing cycle and the statements are clear and sent to me on time. It has always been convenient to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "GOOD"
      0.5 3.5/5 "Pretty good"
      The customer service was good from the bank side while the card process was okay. The bank gave me a credit limit of 1 Lakh and i am happy with the credit limit . it is a League card which was provided by the bank. The Bank provided me Cash withdrawal option on the card and also the balance transfer option .There are good offers which is present on the card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Conveneint card"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with Kotak through online channel. It is not easy to reach the customer care, need to wait around 12 minutes to connect with the person. The rate of interest was okay which was not competitive. The card is convenient for shopping and booking movie tickets. I got a Kotak Essentia Credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra Bank credit card from last 1 year, the credit card services are very good in KMB credit credit card. This is a lifetime free credit card. I have a credit limit of Rs 20000 with the cash limit of Rs 4000. I did not check for any offers in this credit card. I use net banking for making payments and there is no transaction issues.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2017
    • Kotak Credit Card
      "Convenient Credit Card"
      0.5 5.0/5 "Blown Away!"
      Compared to SBI, Kotak Mahindra credit card is very good. I am using this card almost one year, I have not faced any bill discrepancy. I am satisfied with Kotak credit card limit, they do have balance transfer, EMI and cash withdrawal options.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for a credit card and the bank has offered me a life time free card. The limit is great and there has not been any unwanted charges on my card. I am always kept in the loop in case if there is a fee to be taken. It is a clear.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • Kotak Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I am holding the Kotak mahindra bank credit card and am using it from the last two years of time. There are no speculative offers with them till now. I am happy with the Kotak mahindra bank credit card.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Dec 11, 2017
    • Kotak Credit Card
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I am using Kotak mahindra bank credit card from the last one year of time, also am not really satisfied with them. Customer service is not really good one with the Kotak mahindra bank credit card. I am happy with them till now.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 11, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with Kotak Mahindra bank and the experience was quite good. I received my credit card within 1 week and the process was quite smooth. I have a credit limit of Rs 22000 and the cash limit of Rs 4500 which is less when compared to other credit cards. I paid an annual fee of Rs 500 for this credit card. My credit card type is PVR gold so i get offers like buy 1 get 1 movie tickets. Customer service was good overall and the documents were collected on time.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 09, 2017
    • Kotak Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have applied for the credit card through online portal, my credit card application was approved with Kotak Mahindra Bank and my experience was good overall. The process was smooth and i received my credit card within one week. I did not pay any annual fees for this credit card. I have a credit limit of Rs 50000 which is sufficient but i expected more. Customer service was good and they provided door step service to collect the documents. I get reward points on shopping in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 09, 2017
    • Kotak Credit Card
      "Neutral service"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Credit Card for more than 2 years. Initially I had different card and later I changed to Urban Gold. If I use 15K for a year then the charges will be waived off. But for Kotak, interms of EMI conversion the interest rate was much higher compared to other banks. The credit limit enhancement was not up to the mark which needs to be improved.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 09, 2017
    • Kotak Credit Card
      "Looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      I have not started using Kotak Mahindra credit card, I got it recently. Though I am a salary holder of the same bank. they have offered me less credit limit. I applied for Kotak urban card, hence they will provide PVR movie ticket on monthly basis.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 09, 2017
    • Kotak Credit Card
      "Looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      I have not started using Kotak Mahindra credit card, I got it recently. Though I am a salary holder of the same bank. they have offered me less credit limit. I applied for Kotak urban card, hence they will provide PVR movie ticket on monthly basis.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 09, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      Holding the Kotak Mahindra bank league Platinum credit card. The customer support is not up to the mark with the Kotak mahindra bank. The credit card service is not up to the mark with the Kotak mahindra bank. This card is used for all kind of purchases and shopping, I am satisfied with the credit limit.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 08, 2017
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