Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How To Pay Kotak Credit Card Bill Through A Debit Card

    Kotak Mahindra Bank allows their credit cardholders to make payments in various hassle-free ways. Kotak Mahindra Bank credit cardholders can make their card payment both online and offline. Most of the credit card payment modes offered by the bank are free of cost excluding paying by cash at a Kotak Bank branch.

    Cardholders can use their netbanking account to make the credit card payment or use the BillDesk service. Alternatively, cardholders can pay by cheque or Demand Draft. One of the most popular ways credit cardholders pay their credit card bill is using their debit card online.

    Kotak Mahindra Bank Bill Payment Using Other Banks Debit Card

    You can now pay your Kotak Mahindra Bank credit card bill using your non-Kotak bank account or debit card. You can use your non-Kotak account netbanking facility and transfer funds towards your Kotak credit card bill through NEFT (National Electronic Funds Transfer) or IMPS (Immediate Payment Service) facility.

    How To Pay Your Kotak Mahindra Bank Credit Card Bill Through NEFT

    • Log on to your non-Kotak Bank net banking account using your credentials
    • Under “Fund Transfers”, select “NEFT” option
    • You will have to first add your Kotak Credit card as a beneficiary under NEFT
    • Choose “Add a beneficiary” option
    • In the customer name row, please enter 4166xxxxxxxxxxxxxxxxxxx Customer Name
    • Select account type 52 for NEFT transfers
    • Select the location as “Mumbai”
    • Enter the IFSC Code: KKBK0000958
    • Under the Payee Account Number as 4166xxxxxxxxxxxxxxxxxxx (Provide your full 16-digit Kotak Credit Card Number)

    How To Pay Your Kotak Mahindra Bank Credit Card Bill Through IMPS

    You can use the mobile banking app provided by Kotak Mahindra Bank to pay your credit card bills using the participating bank’s credit card. Once you login to the mobile app, you can see a list of participating banks. If you are a Kotak Mahindra Bank customer, you can download this app from Follow the steps below to pay your Kotak Mahindra Bank credit card through IMPS service:

    • Download the Kotak Mahindra mobile banking app
    • Generate the MPIN and activate the app
    • Once the app is activated, open the app
    • Login to mobile banking
    • Choose “Banking” option
    • A separate page will be opened for IMPS transfers
    • Choose “IMPS” and “Merchant Payment”
    • Under the source account, enter the bank account you want the funds to be debited from
    • To pay Kotak Mahindra credit card bill, enter 9833336633 as merchant mobile number
    • Enter 9485633 as Mobile Money Identifier (MMID)
    • Enter the amount you wish to pay
    • Under the Payment Reference Number, please enter your Kotak credit card number and hit on “Go”
    • You will see the payment confirmation message on the screen
    • You will also get an SMS once the payment is processed successfully
    • Your Kotak credit card account will be credited with the amount you paid within 24 hours

    Steps To Pay Kotak Mahindra Bank Credit Card Bill Payment Through Billdesk Using A Debit Card Online

    Follow the below steps to pay your Kotak credit card bill using a debit card:

    • Visit
    • Enter your 16-digit Kotak credit card number
    • Re-enter the credit card number
    • Enter your email ID
    • Enter your mobile number
    • Enter the payment amount
    • Choose which bank account you like to pay from the drop-down
    • Once you have selected the respective bank, you will be redirected to the payment page
    • Follow the instructions and your credit card bill will be paid in a few seconds

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