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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 card to hold"
      0.5 5.0/5 "Blown Away!"
      KOTAK is really doing well when it comes to credit card, as they have provided a very good line of credit. Actually they have provided me a very good rate of interest and it is very low. KOTAK has got all sorts discounts at BMS and online stores. Plus they did not set any clause for annual fee.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra bank and there are no charges taken for the card, secondly I am given a lot of offers and there are much of deals online. There has been no hidden charges and the billing cycle is also comfortable for me. I got a decent credit limit on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Satisfied with the services"
      0.5 4.5/5 "Excellent!"
      I am happy to use the credit card of KOTAK a well. As long as I had been using it, there were no issues and the experience has been perfect till date. The offers are good and the limit is to what I expect. Just that the service charges are a bit higher but I am happy with the overall experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Kotak mahindra credit carries very low interest rate. I convert any purchase I made through Credit card in to EMI, if I pay the full payment of what I spent, I will be getting the reward points,. From Kotak mahindra PVR movie tickets also given . The credit limit is quite High I got around Rs.70,000 it is twice of my salary, I would say I am satisfied with the credit limit.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 16, 2017
    • Kotak Credit Card
      "Nice Experience "
      0.5 4.5/5 "Excellent!"
      My credit card is with Kotak Mahindra bank and the banking services are good. I am happy with what ever I have received on the card. Be it the features or the offers or the credit limit. The transactions goes through smoothly and there are no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    • Kotak Credit Card
      "Looking for a better feature"
      0.5 4.5/5 "Excellent!"
      My salary is Kotak Mahindra, at the time of account opening , they offered saving account along with their credit card. Kotak gave me the credit limit of Rs. 50,000, but they are taking some charges on yearly basis. However if I spent some certain amount that annual charges gets waived off. I am fine with everything but they should increase the credit card offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 11, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Its been around two years of time, I am using Kotak Mahindra bank credit card and the credit limit value is around 25000 Rupees, also I got it as an add-on for my car loan. Payment mode is a feasible one with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 10, 2017
    • Kotak Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank has offered me a credit card as well and the services on the card has been good. I was contacted on a time to time and given the details and the bank has also offered me a limit which is enough for my usage. The charges are very much normal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 10, 2017
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra Bank offered high credit limit. Also they offered a life time free card. I am getting reward points and cash back offers for the card. Their customer services and responses are moderate. Overall the service is average with Kotak bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 09, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card is from Kotak Mahindra bank and the offers and benefits on it is excellent. The credit limit is good and the banking is always up to the mark. The statements are perfect and the billing cycle is also convenient for me to pay. Am happy with the overall services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 09, 2017
    • Kotak Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      The credit limit is one lakh and twenty thousand. Actually it was less but later they increased the limit. The services are good and they credit reward points and cash back offers on my card. The customer service is good and they provide a proper service.
      Was this review helpful? 0
      , guntur
      Reviewed on Aug 09, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      If I do more than 20 to 30,000 transactions using PVR platinum credit card, I will be getting free movie tickets based on the usage. I am having PVR credit card for past 6 months. I use this cad for online purchase, shopping, grocery, telephone bill payments, E-bill, and Tv recharge as well. I am happy with the credit limit. The rate of interest is nominal with this PVR card. I am satisfied using this PVR credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 09, 2017
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Kotak Mahindra bank and I purchased a mobile using my card. I converted the amount to EMI after which I also received a message from the bank about EMI conversion and I clicked after I clicked that message, there were two emi amount that got activated for one single transaction. I spoke to the customer care and asked them to close the emi from my end with the merchant. But they did not credit all the interest which got accumulated was 600 plus, It has been a month and there is no response.
      Was this review helpful? 0
      , delhi
      Reviewed on Aug 09, 2017
    • Kotak Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank offered a credit card for me which is not a chargeable card. The services are better and when it comes to reward points, Kotak bank is average because other banks are providing more reward points but the points are not much with Kotak.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 08, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I am using credit card of Kotak Mahindra bank. And I am happy with the credit limit offered by the bank. Whenever I use my card, I am getting reward points and cash back offers on my card. I do not have any issues with the bank in maintaining this card for a very long time.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 08, 2017
    • Kotak Credit Card
      "Much better than other banks"
      0.5 5.0/5 "Blown Away!"
      Unlike other banks, KOTAK does not call its customers back for the payment even when there is a delay . I have heard from others as other banks keep asking customers to make the payment vigorously but the same is not the case here. I am holding this KOTAK credit card its been 2 years now. No challenges till date . They provide better services than others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 08, 2017
    • Kotak Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using Kotak Mahindra bank credit card from the last three years of time. Response is very poor with them and the customer service is not much good with them credit limit they have offered is 12000 rupees for holding credit card for 3 years and 500 annual charges for the card as well, reward points are very less with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 06, 2017
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      KOTAK credit card is always the best, I did not face any problem till date with KOTAK . I would definitely say it is the best. I had been holding this card for the past 7 months. I have not used this very much need to explore more about this card and the credit limit they have offered me is 60000 rupees
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 06, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      The rate of interest is high with Kotak Mahindra credit card. I am using this card for more than a year. I am happy about the credit limit. The response and the customer support with Kotak mahindra is good. The credit service provided by Kotak mahindra is good I am satisfied with it, It would be great if the Kotak Mahindra reduces the interest rate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 04, 2017
    • Kotak Credit Card
      "Features are good"
      0.5 5.0/5 "Blown Away!"
      The best I prefer about my credit card with Kotak Mahindra Bank is the EMI process and the flexible options they have on it. The next is the two movie tickets which I get on a monthly basis for free. There are no charges and from time to time I am intimated about my card features.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Aug 04, 2017
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