Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Custom Free
     

    Get a card

  • Kotak Mahindra Bank Credit Card Eligibility

    Loading your search...
  • We found 5 Kotak Mahindra Bank CC Eligibility
    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    1999
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    999
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    499
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    1499
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details

    Kotak Mahindra Bank is one of the largest private banks in India offering a wide range of credit cards to suit your needs. Kotak Mahindra credit cards are available with competitive interest rates in the country. You can enjoy several exciting benefits and features of Kotak Mahindra credit cards; however, if want to apply for a Kotak credit card, you’ll have to meet certain eligibility criteria.

    The below are the basic eligibility criteria to apply for American Express Credit Cards,

    • You need to be between the age of 21 to 65 years.
    • Should be a resident of India.
    • Should be salaried/ self-employed with a steady income.
    • You should have a good credit score or rating.

    Here are the Credit Card Eligibility Criteria for Top Kotak Credit Card

    Eligibility Criteria

    • Applicant must be between age of 21-65 Years for Primary Card Holders.
    • Applicant must be between age of above 18 Years for Add On Cards.
    • The minimum income required for this card is Rs.24 Lakh Per Annum

    Eligibility Criteria

    • Applicant must be between age of 21-65 Years for Primary Card Holders.
    • Applicant must be between age of above 18 Years for Add On Cards.
    • Check with the bank for minimum income required for this card

    Eligibility Criteria

    • Applicant must be between age of 21-65 Years for Primary Card Holders.
    • Applicant must be between age of above 18 Years for Add On Cards.
    • Check with the bank for minimum income required for this card

    Eligibility Criteria

    • Applicant must be between age of 21-65 Years for Primary Card Holders.
    • Applicant must be between age of above 18 Years for Add On Cards.
    • Check with the bank for minimum income required for this card

    Eligibility Criteria

    • Applicant must be between age of 21-65 Years for Primary Card Holders.
    • Applicant must be between age of above 18 Years for Add On Cards.
    • Check with the bank for minimum income required for this card

    Eligibility Criteria

    • Applicant must be between age of 21-65 Years for Primary Card Holders.
    • Applicant must be between age of above 18 Years for Add On Cards.
    • Check with the bank for minimum income required for this card
    • Primary cardholder should have a Kotak Privy League Banking Relationship

    Check Credit Card Eligibility Criteria for Other Kotak Credit Cards below,

    Card Name Age Requirement Minimum Income Required
    Kotak Urbane Gold Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    Above Rs.3 lakh per annum
    Kotak League Platinum Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    Above Rs.5 lakh per annum
    Kotak Aqua Gold Credit Card
    • Primary: 18-75 Years
    • Add-on: Above 18 Years
    • Minimum Term Deposit (TD) of Rs.25,000
    • Only Individual TDs are allowed
    Kotak Wealth Management Infinite Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    Primary cardholder should have a Kotak Wealth Management Banking Relationship
    Kotak Fortune Gold Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    • Above Rs.3 lakh per annum
    • For businessmen only
    Kotak Delight Platinum Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    As specified by the bank
    Kotak Solaris Platinum Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    Above Rs.5 lakh per annum
    Kotak Best Price Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    As specified by the bank
    Kotak Silk Inspire Credit Card
    • Primary: 18-75 Years
    • Add-on: Above 18 Years
    • Minimum Term Deposit (TD) Amount Rs.50,000
    • Only Individual TDs are allowed
    Kotak NRI Royale Signature Credit Card
    • Primary: 18-75 Years
    • Add-on: Above 18 Years
    • Only NRI/ NRE account holders
    • Minimum Fixed Deposit (FD) Amount Rs.1 lakh
    Kotak Feast Gold Credit Card
    • Primary: 21-65 Years
    • Add-on: Above 18 Years
    Above Rs.3 lakh per annum

    Documents Required to Apply for a Kotak Mahindra Bank Credit Card

    To avail a Kotak Mahindra credit card, below are the basic documents required by an applicant

    • Voter ID, Passport, Driving License, etc. as KYC documents.
    • Permanent Account Number (PAN) card or Form 60 if PAN is unavailable.
    • Income proof such as salary slip or income tax returns (form 16).
    • Bank statement.

    Factors That Affect Your Kotak Mahindra Bank Credit Card Eligibility

    There are many factors that affect your Kotak Mahindra Bank credit card eligibility criteria. Some of the factors are as follows:

    • Age of the applicant: As mentioned in the table, for primary credit cards, the minimum age of the applicant should be 21 years and the maximum age should not exceed 65 years. For an add-on credit card, the minimum age of the applicant should be at least 18 years. If you do not meet the age limit set by Kotak, your credit card application may be rejected.
    • Total income: Your income has a direct impact on your credit card application. The type of credit card you get will be decided after considering your income.
    • Debt-to-Income Ratio (DTI): Credit card providers calculate the Debt-to-Income Ratio when you apply for a card. The DTI Ratio is calculated by dividing your gross monthly debt by your monthly income. The chances of your credit card application getting rejected will be high if you have a high DTI Ratio.
    • Credit score: The credit bureaus in India, namely Experian, TransUnion, and Equifax assign your credit score based on your credit history. A credit score can range from 300 to 800. Your credit card application may be rejected if you have a low credit score. A high credit score will help you get better credit card deals.
    • Lack of credit history:If you do not have a credit history, lenders will not be able to assess your repayment capacity. If you have not availed any lines of credit before, your credit card provider will not be able to judge if you are a responsible borrower. Consider building a positive credit history before applying for a credit card.
    • A high outstanding amount on your existing credit cards: If you have an existing credit card, the bank will check the outstanding due amount and your payment history on the card. If you are not a prompt payer and if have defaulted on your credit card bill, your application may be rejected.
    • Settled accounts:In the past, if you worked out a settlement with your credit card provider, it will appear in your credit report. This remark will have a negative impact on your credit card.

    Some other factors that can affect your credit card eligibility are:

    • Multiple credit inquiries
    • Number of credit cards you own
    • Recent delinquency on your credit report
    • “Charge-off” or “Settled” remark on your credit report
    • Job stability

    How To Improve Your Kotak Mahindra Bank Credit Card Eligibility

    If your credit card application is rejected, you can apply again after improving your eligibility. Some of the ways you can improve your credit card eligibility are:

    • Check your credit score and improve it if it is low. You can increase your credit score in many ways. Reducing your total debt, paying your bills on time, and maintaining a good credit utilisation rate can help you boost your credit score.
    • Avoid making multiple hard enquiries for credit cards or any other lines of credit.
    • Maintain a good Debt-to-Income Ratio.
    • Avoid cheque bounces, late fees, and penalties on all your active lines of credit.
      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Kotak Mahindra Bank CC Eligibility Reviews

    • Kotak Credit Card
      "Looking for better limit"
      0.5 2.0/5 "Expected more"
      I'm using Kotak Mahindra Bank credit card and its good. Its been one year and linked with my salary account which is very user friendly to do my transactions. I am not happy with the credit limit which is very less even though am doing more transactions.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 28, 2019
    • Kotak
      Kotak Credit Card
      "Benefits needs to be increased"
      0.5 4.0/5 "Great!"
      When I converted Rs. 7000 purchasing amount into an emi, Kotak have charged 14% of interest for the duration of three months. I feel Kotak credit card interest is huge as compared to others, even I won't get any additional benefits since I have salary account with the same bank they offered this card now I am planning to close it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 23, 2019
    • Kotak Credit Card
      "Can do improvement in the reward redemption"
      0.5 4.0/5 "Great!"
      Based on my salary account I got this Kotak credit card, I would say its a family bank. The rate of interest is pretty normal and but the negative area is rewards redemption. Kotak don't have much offers only we can recharge the mobile or we can do basic redemption.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 20, 2019
    • Kotak Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have selected kotak visa platinum credit card past 4 year ago , life time credit card, while transaction through online i will get rewards point applicable and no cash back offer , sufficient i limit is provide from banker end,while document submitted executive there is no delay credit card, customer service is good,
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 19, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am holding the Kotak Mahindra bank for approximately 6 months. I have a salary account in Kotak bank thats the reason they have issued me a credit card. I have a PVR card with me. If i purchase Rs. 10000+ in every months, i get 2 free movie tickets. They have dispatched the card in 15 days. Its easy to make the payment through online.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 19, 2019
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected kotak royal signature credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2019
    • Kotak Credit Card
      "Not good"
      0.5 1.0/5 "Really Bad"
      Kotak has offered me a very minimal credit limit of 15K which am using it for last 8months. I am not happy with the credit limit because am getting more salary and more over am a salary account holder. Also I have tried for Kotak credit card from past 4 years and am not satisfied. The charges are average. Its a payable card of Rs.500.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 11, 2019
    • Kotak Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am using this Kotak Mahindra Bank card for the past 1 years ,salary account bank offered this card previously now dont have salary account with kotak .This was a life time free card and the credit limit was less and it was upto 20,000.There are good cash back offers and reward points as well .Will be getting discounts from Reliance and Croma oncepurchase any products .
      Was this review helpful? 0
      , pune
      Reviewed on Aug 08, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have Kotak Mahindra Bank credit card which was got through bank directly since have salary account .I am using this credit card for the past 4 months .The credit limit was very less and it was upto 15,000.This was a free card and very easy to use as well.I have got all the required details about the card process and i am satisfied with the service .
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 06, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card 3 to 4 month through bank.Within 13 days payment recovery message will be received that is the only issue ,The credit limit was good and this was a free card ,while document submission there was no issues ,customer service was good as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 03, 2019
    • Kotak Credit Card
      "Good for the entertainment"
      0.5 5.0/5 "Blown Away!"
      I got preapproved credit card based on my salary account, the limit is highest above all the cards. I am using this card around two months, I got the joining perk as movie tickets at pvr shows. I applied the card through mobile app their back end team is faster.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 02, 2019
    • Kotak Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      The customer service is okay for my salary account but credit card department need an improvement. I use Kotak PVR Platinum card for above 10months. They are charging me annual fee and limit is good. I have done EMI conversion and the interest rate was higher.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 27, 2019
    • Kotak Credit Card
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      I have take a credit card from Kotak Mahindra Bank. It is a life time free card. It was a smooth process with the bank. I received the card in ten days after document collection. The credit limit is good but can be enhanced. I am not sure about the offers yet.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 26, 2019
    • Kotak Credit Card
      "Need more improvement on the customer service"
      0.5 4.0/5 "Great!"
      I am not okay with Kotak phone banking services except this everything was perfect. I have been using credit card for almost above 2 years. I like the balance transfer option and also the time period is 90days. The best part is hold a salary account with them and also never faced any issues. Only the drawback is the branch does not support for credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 24, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am having Kotak Mahindra Bank credit card which was offered through Bank since have salary account and this was a paperless approval.I have got good credit limit and the cash back offers and reward points are ok .I have got all the details about the card process through the agent .
      Was this review helpful? 0
      , pune
      Reviewed on Jul 21, 2019
    • Kotak Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have selected indusind bank urban credit card past 2.5 years ago uisng this credit card .Its is life time free credit card .while document submitted through online so there is no delay while receive credit card .Sufficient limit is provide from banker end. All notification message and email communication from banker end , EMI option is applicable.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 20, 2019
    • Kotak Credit Card
      "Bad"
      0.5 1.0/5 "Really Bad"
      I was asked to apply for kotak mahindra bank credit card after applying they have canceled my application due to salary norms. I knew it cannot be processed since i am already holding home loan. And also customer service were not responsive to me.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have got this kotak Mahindra Bank credit which was offered by Bank itself since have Salary account got this card .The agent gave a clear picture about the card process .The credit limit was really good and it is a free card ,I have submitted the required documents as well.This card was good to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a salary account with Kotak Mahindra bank. It is zero balance account. I have using this saving account for a long time. Their customer service is good and bank staffs are really helpful. Kotak netbanking and mobile banking is very convenient.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 12, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak mahindra credit card for long time, i have got this card for long time,and they have given me good credit limit as based on my salary, they have given me good credit limit and it is life time free credit card and there support team is too good, overall service is good.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 08, 2019
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.