Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Bank Easyday Sliver Credit Card

    Easyday Kotak Silver Card from Kotak Mahindra Bank is a great choice for those who regularly shop at Easyday stores. This card saves you so much more on top of the already low prices available at Easyday outlets. What’s more, you can take advantage of the various benefits and offer s that comes with being a Easyday Kotak Silver Card cardholder.


    1. Upto 48 days of Interest Free period
    2. nterest rate at a mere 3.4% p.m.
    3. Easyday Shield:

      Incase your Easyday Kotak Silver Card is stolen, Kotak offers customers a cover of Rs. 25,000 against fraudulent usage up to 7 days as long as you report the incident. If your card is stolen, call the Customer Contact Centre at 1800 102 6022 and make sure your card is deactivated/blocked. You must then contact your insurance company and register a complaint.

    4. SMS Alert:

      Get complete control over your card and money with the SMS Alert feature. Simply SMS 5676788 or 997 105 6767 from your registered mobile number to start getting text updates.

    5. Mastercard Secure Code:

      Kotak has fortified your card with the Mastercard Secure Code feature, so that all your online transactions are completely secure. Cardholders are required to give an additional password while doing online transactions with your card, which prevents fraudulent activity.

    6. Family Offers:

      Benefit from the best offers from partners on your Easyday Kotak Card

      Gift your loved ones the same benefits you enjoy by giving them add-on cards, completely free of charge.

    7. Add-on Cards:

      All your loved ones holding the Add-on Cards will be able to enjoy all the benefits that you enjoy on your Primary Card. You can control the expenditure on each add on card by setting the spend limits. You can also track spends on add on cards individually.

    8. Smart Pay:

      All transactions equal to or above Rs. 3000/- and within 75% of credit limit can be converted into easy EMI's. EMI options are 3, 6, 9, 12 and 24 month.


    Here are some of the benefits Easyday Kotak Silver Card holders enjoy:

    1. Easy Rewards:
      • Every time you shop at Easyday, earn 10 reward points for every Rs.100/- you spend.
      • Every time you you spend outside Easyday, earn 5 points for every Rs.100/- you spend

      Note: You must have minimum 500 points for redemption. Also, the total points redeemed must be in multiples of 100.

    2. Instant Benefits:
      • At Easyday every time you swipe your Easyday Kotak Silver Card for a sum of Rs. 2000/- or above in one bill, you will get Easyday Vouchers worth Rs. 25/-
      • Outside Easyday, when you swipe your Easyday Kotak Silver Card for a sum of Rs. 3000/- or above in one bill, you will get Easyday Vouchers worth Rs. 25/-
    3. Note: Only one voucher each per month for both in-store & out-store spends.

    4. Welcome Gifts:

      As a welcome gift, get a 2Kg Sugar voucher if you spend more than Rs 200/- on six different days of the week, within the first three months of getting the card.


    You must submit proof of identity in any of these forms; Driving License, Passport, PAN card or Voters ID.

    Fees and Charges

    • The Annual fee is Rs. 499
    • If the Retail spends is Rs. 30000/- or more in a year the annual fee is waived off
    • Cash Payment at Branch is charged Rs. 75/-
    • Card Replacement is charged Rs. 100/-
    • Cash Withdrawal / Call a Draft / Fund Transfer (Per Rs. 10,000/- or part thereof) is Rs. 300/-
    • Over Limit Charge is Rs. 500/-
    • Interest Charges is 3.40%

    How To Redeem reward points: Once you have collected some reward points, call the Customer Contact Centre at 1800116022/1800226022. The Phone Banking Officer will help you redeem your points, which he will send in the form of a voucher along with your following month’s statement. You can use your vouchers at the Easyday stores on your next visit.

    FAQs on Kotak Easyday Silver Credit Card

    1. How can I redeem my reward points?

      Call the Customer Contact Centre at 1800116022/1800226022. The Phone Banking Officer will help you redeem your reward points by converting them to a voucher which can be used at the Easyday stores. The voucher will be sent with your next month’s statement.

    2. Will my reward points expire?

      Yes. Your reward points will expire after 12 months of earning them.

    3. What is the maximum number of Easyday vouchers I can get in a month?

      You can get a maximum of 1 voucher per month for transactions made at Easyday stores and maximum of 1 voucher per month for transactions made outside Easyday stores.

    4. Is it possible to get a Easyday voucher replaced if it is lost?

      No, you will not be issued a new Easyday voucher if you lose your original voucher.

    5. .What is the insurance cover on the Kotak Credit Card?

      The insurance cover is your safety net if your Kotak Credit Card is stolen, lost or if there are fraudulent charges as provided by HDFC ERGO General Insurance Company.


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