What do I do if I lose my credit card?

You should call the Kotak Bank Credit Card Customer Care at 1860 266 2666 and deactivate or block your credit card.

Are there any safety features on the credit card?

Yes, the card is embedded with EMV Chip and there is a 6-digit PIN authentication.

Is GST applicable on transactions?

Yes, GST/Applicable taxes will be charged according to the rates that are approved in the Finance Act every year.

Kotak Biz Credit Card

With the Kotak Biz Credit Card, you can get discounts and earn reward points every time you swipe the card at partner merchant outlets. The joining fee for the credit card is Rs.299.

Looking for your first credit card? Apply here!

Key Highlights of the Kotak Biz Credit Card

You earn 1 reward point for every Rs.100 that you spend on other categories.
Get a 1% waiver on your fuel surcharge.
You get 1 airport visit every calendar quarter to Visa lounges in India airports.
You get a railway surcharge waiver of 1.8% when you book railway tickets via www.irtc.co.in.
You get offers on domestic hotel bookings and flight tickets via MakeMyTrip

Features and Benefits of the Kotak Biz Credit Card

Feature	Details
Rewards Programme	Earn 4 Reward Points for every Rs.100 spent in the following categories:
	- Travel and Tour Operators & Domestic Airlines
	- Direct Marketing/Advertising Services
	- Supermarket
	- Lodging (Hotels, Motels, Resorts)
	- Best Price Online Wholesale Market Shopping
	- Makemytrip MyBIZ
	Earn 1 Reward Point for every Rs.100 spent on all other transactions.
Posting of Reward Points	Points for all transactions (except Best Price Online) will be posted in the respective month's statement.
	Points for Best Price Online transactions will be posted within 90 days.
Travel Comfort	1 complimentary lounge access per calendar quarter for primary cardholders at Visa-affiliated lounges.
	Amenities include gourmet meals, comfortable seating, widescreen TVs, newspapers, magazines, and free Wi-Fi.
Fuel Surcharge Waiver	1% waiver on transactions between Rs.500 - Rs.3,000; maximum waiver of Rs.2,500 per year.
Railway Surcharge Waiver	1.8% waiver on transactions at www.irtc.co.in and 2.5% at Indian Railways booking counters; capped at Rs.500 per year.

Travel Insurance programme

Insurance Programme	Sum Insured (INR)
Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)	Rs.50,000
Purchase Protection	Rs.25,000
Loss of Checked-in Baggage	Rs.10,000
Delay of Checked-in Baggage	Rs.10,000
Valuable Documents Cover	Rs.10,000
Missing of Connecting International Flight During Transit	Rs.10,000

Looking for your first credit card? Apply here!

Eligibility Criteria to Apply for Kotak Biz Credit Card

Self employed
Proprietors
Partners of partnership firms
You should be between 21 years and 65 years of age.
Your minimum Income Tax Return has to be Rs.4.8 lakh and more every year
You should be a resident of India.

Fees and Charges of Kotak Biz Credit Card

Fee & other Parameters	Biz Credit Card
Joining Fees	Rs.299
Annual Fees	Rs.499
Condition for waiver of Annual Fees - First Year	NIL
Condition for waiver of Annual Fees - Second Year	NIL
Add on card	NIL
Interest Charges on outstanding Balances	3.50% (Annualised 42%)
Minimum Amount Due (MAD)	MAD -5% or 10% of TAD (decided by the Bank)
ATM Cash Withdrawal	Rs.300
Late Payment Charges	Rs.100 for statement outstanding less than or equal to Rs.500Rs.500 for statement outstanding between Rs.500.01 to Rs.10,000Rs.700 for statement outstanding greater than Rs. 10,000
Over Limit Charge	Rs.500
Cheque Bounce Charges	Rs.500
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge	Applicable
Fuel Surcharge	Applicable
Fee for Cash payment at Bank	Rs.100
Outstation Cheque Processing Fee	Waived
Reissue/Replacement Card	Rs.100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non-Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived

Looking for your first credit card? Apply here!

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Kotak Biz Credit Card

What do I do if I lose my credit card?
You should call the Kotak Bank Credit Card Customer Care at 1860 266 2666 and deactivate or block your credit card.
Are there any safety features on the credit card?
Yes, the card is embedded with EMV Chip and there is a 6-digit PIN authentication.
Is GST applicable on transactions?
Yes, GST/Applicable taxes will be charged according to the rates that are approved in the Finance Act every year.

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