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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. Can provide better deals"
      0.5 3.5/5 "Pretty good"
      Kotak Mahindra Bank has offered me a credit card as well and the reward points are not much. The cash back deals are also low, when compared to the other banks. The credit limit is only of 48K. They could provide better deals and offers on the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 24, 2018
    • Kotak Credit Card
      "Good features and services"
      0.5 4.0/5 "Great!"
      I also bank with Kotak Mahindra bank for the credit card. The credit limit is good and there are cash back deals. Every month if there I spend around 15K, I get two movie tickets free. The transactions are smooth and the statements are also clear.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 24, 2018
    • Kotak Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I had applied for a credit card with Kotak Mahindra Bank. The documents was submitted and the verification was done. After which there was no response from them bank. It been 50 days now. It would be better if there is a straight forward reply whether the card is approved or declined.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • Kotak Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      The offers at Kotak Mahindra Bank is good for the credit card. The customer services are also fine. I get a lot of points on the transactions. For every 100 spent I get four points. The points can also be converted to cash. It is a life time free card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have got the Kotak mahindra bank ROYALE SIGNATURE CREDIT CARD for the past 3 years. The customer support service is average with the Kotak mahindra bank, the response part is bit slow from the Kotak . the credit limit value is high with this Kotak mahindra bank ROYALE SIGNATURE CREDIT CARD and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with Kotak Mahindra bank and the experience was very good, they gave a credit limit of Rs 75000 which is sufficient but i expected more. There is no annual fee charged for this credit card and i received my credit card within 1 week. Customer service was good and they collected documents on time. I did not find any offers in this credit card, i use this card for shopping and petrol purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I use the Kotak mahindra bank Urbane gold credit card for more than a year. The customer support service is good with the Kotak mahindra bank. The credit limit value is low with this card and it would be great if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • Kotak Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Is a excellent I have been using this for the past 10 months since I have taken the Platinum Credit Card ,Often I use this credit card for shopping In malls,stores, recharge ,On line Transactions, money transfer,movie Tickets on Book my show App. Kotak Mahindra process and service are very well Given.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • Kotak Credit Card
      "Process is good. Customer services need improvement"
      0.5 4.0/5 "Great!"
      The process to get my Essentia platinum credit card was fast from Kotak Mahindra Bank. But my credit limit is very low. It is of 50K, where as I expected 1.5 Lakh as my salary is around 90K. I booked two flight tickets as I got a message that I can purchase up to 44k. There is a EMI facility as well. There are charges for the card, it is around 1200. After I booked these tickets through the mobile application, I did not get to see my tickets though the balance was deducted. So I contacted the customer care and I was not able to reach them, I had to try the contact number couple of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • Kotak Credit Card
      "Wonderful"
      0.5 4.5/5 "Excellent!"
      I am using the Kotak mahindra bank credit card from the last two years of time. I would like to say that the services are an excellent one for me with them. There are no issues with them till now. Everything is better one for me with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 21, 2018
    • Kotak Credit Card
      "Looking for Better feature on Kotak Card"
      0.5 2.0/5 "Expected more"
      Kotak Mahindra gave me lower credit limit around Rs. 50,000 to 60,000 and there was no reward points on my transaction. It has annual fee of Rs.499, Kotak provides 15% of cash back on amazon website. I would like to suggest offers and features should be improved.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 21, 2018
    • Kotak Credit Card
      "Good for Entertainment"
      0.5 4.0/5 "Great!"
      I am holding Kotak PVR credit card, I can get free movie ticket on monthly basis and the interest rate is good compared to other credit card. There is no offers on other products except PVR movie, the credit limit of the card is good and sufficient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank is excellent in the customer services for the credit card. The team was transparent with the terms and conditions before I converted my transactions to EMI. If the transaction crosses 3K I can convert it to EMI. It starts off with three months and the maximum is 48 month.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I am really satisfied and happy with Kotak Mahindra Bank. I hold a Kotak Urbane Card for past 4 to 5 months. The credit limit was low, they just offered me 15K. I would appreciate if they can increase my credit limit. There is no reward points. Only I receive discounts on the movie tickets they give 25%.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The credit card service is good with the Kotak mahindra bank. They have disbursed the credit card within 25 days of time. The customer support service is good with the KOTAK MAHINDRA BANK. The credit limit value is average with the KOTAK PVR GOLD CREDIT CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra bank has offered me a life time free credit card. The credit limit is only of 25K which is extremely low. As a bank they should have offered me a reasonable limit which would be useful to me. I would be able to use the card for anything much.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card from Kotak Mahindra. I have a Urbane card and using it around for 8 months. The credit limit was 15K which am not satisfied. I would appreciate if they can increase my credit limit. They provide a Flexi Pay option which was really comfortable to convert the payments into EMI. The rate of interest was very low.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Good Experience"
      0.5 3.0/5 "Satisfactory"
      At the time of account opening bank have issue me Kotak credit card, there was no documentation, one of the executive came and done the process. But credit limit is low, but I am fine about zero joining fee any processing fee of the credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The rate of interest and charges are fine with Kotak mahindra credit card department. The customer support is good with Kotak. The online net banking is easy for navigation. They offer with a good credit limit compared with other credit service providers in the market. It is a average service from Kotak credit card team.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Around a year ago, I have got the KOTAK MAHINDRA BANK URBANE GOLD CREDIT CARD and the credit limit value is low when I got this card but they have increase the credit limit value as per my requirement. The customer support service is good with the Kotak mahindra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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