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

    • Step 1: Log on to your non-Kotak Bank net banking account using your credentials
    • Step 2: Under “Fund Transfers”, select “NEFT” option
    • Step 3: You will have to first add your Kotak Credit card as a beneficiary under NEFT
    • Step 4: Choose “Add a beneficiary” option
    • Step 5: In the customer name row, please enter 4166xxxxxxxxxxxxxxxxxxx Customer Name
    • Step 6: Select account type 52 for NEFT transfers
    • Step 7: Select the location as “Mumbai”
    • Step 8: Enter the IFSC Code: KKBK0000958
    • Step 9: 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

    FAQs on How To Pay Kotak Credit Card Bill through Debit Card

    1. Will the bank charge me any service fee if I pay my credit card bill using a debit card?

      No, the process to pay your credit card bill using a debit card will not entail any charges from the bank whatsoever.

    2. Can I pay my credit card bill using any other bank’s debit card?

      Yes, you can pay your credit card bill using any other bank’s debit card.

    3. Can I set up a standing instruction where the amount will be debited from my account automatically on the due date?

      Yes, you can set up a standing instruction to pay your credit card bill. You will have to provide the details of your debit card following which the bank will debit the outstanding amount on the due date.

    4. I got a new replacement debit card. Do I need to inform the bank before making the credit card payment through it?

      No, as long as your debit card is active and you can pay the bill, you don’t have to inform the bank. In case you are required to update your card for standing instruction purposes, you can do so by logging in to your Kotak Mahindra net banking portal.

    5. I have a RuPay debit card. Can I use it to pay my Kotak Mahindra credit card bills?

      Yes, you can use your RuPay debit card to pay your Kotak Mahindra credit card bills.

    6. Can I use my debit card to pay my credit card bill offline?

      You can visit the nearest Kotak Mahindra branch or clear your credit card bill through over-the-counter facility. However, the mode of payment here can be through cheque, demand draft, or cash. You will not be able to use your debit card to make the payment.

    7. I am unable to pay my credit card bill through my debit card?

      If you are unable to pay your credit card bill through your debit card, then first of all you must check that the details provided by you are correct. In case all the details provided are correct, and yet you are unable to make the payment, then it is recommended that you wait for some time since there can be a temporary server issue from the bank’s end. If you are still not able to pay, then you must get in touch with the concerned bank immediately.


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