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  • Kotak Bank Essentia Platinum Credit Card

    Avail up to 10% off on departmental and grocery expenses with the Kotak Essentia Platinum Credit Card. You can also earn up to 10 rewards points on every Rs.100 spent on select stores across the country.
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    Kotak Bank Essentia Platinum Credit Card is Rated as "Great!" by 56 Users

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    Credit Card BYTES FROM OUR KITCHEN

    Kotak Mahindra Bank, the fourth largest private sector bank(by market capitalisation) in India provides a complete range of banking and financial services in the country with products in categories such as Loans, Accounts and Deposits, Investments & Insurance, Credit Cards etc.

    Category based products define the credit cards portfolio of this Mumbai based bank. Cards with exclusive benefits and features are available under divisions such as Shopping, Dining/Entertainment, Lifestyle, NRI and Corporate. Urbane Gold, Easyday Titanium, Easyday Silver and Essentia Platinum cards represent Shopping based credit cards.

    The Kotak Essentia Platinum Credit Card extends up to 10% savings on all your swipes at departmental and grocery stores. Dedicated to help you in earning the best rewards with everyday spends, this card gives you 10 Saving Points for every Rs.100 spent at select stores.

    Kotak Essentia Platinum Credit Card Benefits:

    • Earn 10 Saving Points for every Rs.100 spent at grocery and departmental stores. Each point valued at Rs.1. To be eligible for the reward points program, the minimum bill value(single transaction) should be atleast Rs.1,500 with an upper limit of Rs.4,000. In a given month, you can earn up to 500 points.
    • Showering of rewards continue with the option to earn 1 Saving Point for Rs.250 spent in other categories(Non Departmental & Non Grocery)
    • Accumulated Saving points can be easily redeemed online for cash, Airline tickets & Air Miles, Movie Tickets, Mobile Recharge & for Branded Merchandise.

    Kotak Essentia Platinum Credit Card Features:

    • Cardholders are also eligible to avail a host of promotional offers such as dining deals, priority reservations at hotels etc.
    • Get access to priority customer service with KASSIST. Simply send an SMS KASSIST to 5676788 from your registered mobile number and receive a call back from the bank representative within 30 mins for assistance.
    • Plus, Add On cards are provided for your loved ones that carry the same benefits and features as the primary card. Set individual limits on each card and track spends with netbanking and mobile alerts.
    • Under the Milestone Feature, you're eligible to get 6 free tickets from PVR or 1200 reward points for spends over Rs.1,25,000 in 6 months.

    Eligibility and Documentation:

    This card is only available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune.

    • The Primary applicant should be aged at least 21 years and not older than 65 years.
    • Add On card aspirants should be aged 18 and above.
    • The applicant should be a resident of India.

    Details of the list of documents required during application will be provided by the bank representatives.

    Fees and Charges:

    Joining Fee Rs.1,499*
    Annual Fee Rs.749**
    Late Payment ChargesRs.100 to 700, depending on the O.S balance
    Over limit FeeRs.500
    Cash Withdrawal/Call a Draft/Funds Transfer Rs.300 for every Rs.10,000 withdrawn/transaction
    Add On cardRs.299 per card

    * The Joining Fee is a one time charge billed in the first statement generated after activation of the card.

    ** The Annual Fee is payable from 2nd year onwards after the card is setup. This fee is billed during the 13th statement and every 12 months thereafter.

    Note: The fees and charges are subject to periodic revision. Do inquire with the bank at the time of application or read the T & C document available in the welcome kit for latest rates.

    How to Redeem Reward Points On Essentia Platinum Credit Card:

    The Saving points earned can be easily redeemed for a host of products and services such as Airline Tickets & Air Miles, Cash, Movie Tickets, Mobile Recharge and Branded Merchandise. If you're redeeming the points against Airline Tickets/Mobile Recharge/Merchandise, the Saving points will be first converted to Easy Points before redemption.

    1 Saving Point = 2 Easy Points

    Points can be redeemed by following the steps below.

    • Log onto kotak.com
    • Use the net banking option, log in using CRN, password and the dynamic access code
    • Select Credit Cards and proceed with the redemption option of your choice

    Kotak Essentia Platinum Card FAQs:

    1. Is there an interest free period for retail purchases and cash advances for this card?

      An interest free period of 48 days is provided of retail purchases, post which interest starts accruing on the transaction. Interest free period is not available for Cash advances.

    2. How do I identify if a particular outlet falls under Grocery and Departmental store category?

      Stores and outlets are classified as Departmental Store & Grocery by VISA under MCC(Merchant Category Code). Purchases at these stores are eligible for 10 saving points for every Rs.100 spent.

    3. Is the Add On Credit card also eligible for an exclusive saving points account?

      No. The Supplementary card is a derivative of the main account and therefore spends made by both Primary and Add On cards accumulate saving points that are credited to one single account. No separate account is provided for supplementary cards.

    4. What type of card is the Kotak Essentia Platinum Credit Card?

      This card is a VISA chip card, valid internationally.

    5. How does the Insurance Cover help?

      Provided by HDFC ERGO, this insurance cover will provide a reimbursement for the unauthorised and fraudulent charges if the card is lost/stolen up to 7 days prior to reporting the card. This cover is valid for both primary and supplementary cards.

    6. I lost my credit card. How do I report?

      Call the Customer Contact Center immediately on 1800 102 6022 to report loss of card and ask for temporary deactivation if you think the card will be recovered at a later date. If you suspect it was stolen, please have it blocked and ask for a replacement card.

      Inquire about any unauthorised transactions after it was lost and register a claim if there were unauthorised charges on the account. The insurer will pay for the transactions not made by you if the claim is approved. Details of the claims process is available on the banks website.

    7. Is there a charge for making card payment at a branch?

      A fee of Rs.500 is charged for payment at branches. Instead, you can explore online and mobile app based payments that are free of charge.

    Other Top Credit Cards By Kotak Bank

  • Kotak Silk Inspire Credit Card - Exclusively for Women
  • Kotak Royale Signature Credit Card
  • Kotak Privy League Signature Credit Card
  • Kotak NRI Royale Signature Credit Card
  • Kotak Delight Platinum Credit Card
  • Kotak League Platinum Credit Card
  • Kotak PVR Platinum Credit Card
  • Kotak Easyday Titanium Credit Card
  • Kotak Urbane Gold Credit Card
  • Kotak PVR Gold Credit Card
  • Kotak Aqua Gold Credit Card
  • Kotak Fortune Gold Credit Card
  • Kotak Feast Gold Credit Card
  • Kotak Easyday Silver Credit Card
  • Kotak Best Price Credit Card
  • Kotak Corporate Platinum Credit Card
  • Kotak Wealth Management Infinite Credit Card
  • Kotak Corporate Wealth Signature Credit Card
  • Kotak Corporate Gold Credit Card
  • Kotak Bank Essentia Platinum Credit Card Reviews

    • Kotak Credit Card
      "Need proper information"
      0.5 4.0/5 "Great!"
      The customer service was good but not up to the mark. They have explained me about the charges and it was high. I am not aware of the joining fee and took Essentia credit card of 1800 rupees . The credit limit was good. The process was not on time and they took above 20 days to deliver the card. The documents are given to the executive.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2019
    • Kotak Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      There is no reason for holding this card. The offers are convenient one and they have given me a satisfied credit limit of Rs. 72000. There will be yearly charges of Rs. 1499 and it will not waived off. Some offer are available but i have not availed the same. I have got my first month statement and its easy to make the payment through their online banking system.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 02, 2019
    • Kotak Credit Card
      "Very Good Card"
      0.5 4.0/5 "Great!"
      I have been using this card for last 2 months. There is no reason for choosing this card. Its a very good card to use. I got the bill and i have received the statement in my mail and its clear to understand. I'm not satisfied with the credit limit and i was expected the limit of Rs. 1.50 lakhs by they have provided only Rs. 50000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 02, 2019
    • Kotak Credit Card
      "Simply nice card"
      0.5 4.0/5 "Great!"
      They have charged me a annual fee of Rs. 1599 without any prior intimation hence i'm disappointed about it. They have not informed me about the various free cards provided by Kotak Bank. They have given me a limit of Rs. 86000 and i'm happy about it. This is a dining card hence they are providing some discount and cashback on selected restaurants.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card has been quite good and there has not been any delay in getting this card. I am happy with the credit limit which they had given with this card and there has also been some good benefits which comes with this card which they had explained. There has been some annual charges with this card and i have started using the card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 28, 2019
    • Kotak Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I had chosen with them since their banking services are more comfortable. The process in getting this card has been good and i got the card on the right time. The credit limit with this card has been okay but i am expecting it to be enhanced in the future. They had also explained me with the benefits and the features with this card and it is a life time free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 28, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Since this is a good credit card, i have chosen the KOTAK ESSENTIA PLATINUM Credit card. They have provided me a credit limit of Rs. 75000 and I'm happy about it. There is no annual fee in this card. Two times, i spoke with the customer care service for the general enquiry and the response was good.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Worst bank in all the bank"
      0.5 1.0/5 "Really Bad"
      The worst service which i received from Kotak Mahindra bank. I swipe the card, i paid my money without any prior intimation, they have blocked my credit card. When i call the customer care they said due to server issue card got blocked and asked me to visit their branch and the branch response was not fine. They have charged me a some additional amount. They have not given me a valid reason for blocking the card.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 19, 2018
    • Kotak Credit Card
      "Avarage Service"
      0.5 3.5/5 "Pretty good"
      I am received my Credit Card from Kotak bank documentation process is happen on time after bank confirmation card received in 20 to 25 days benefits are i am not aware properly and my aspect-ed credit limit is also less hence and same will i will not recommend to friends and family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am Applied a credit card for kotak Mahindara bank and received within 10 to 15 days after confirmation received credit limit is 75 k aspect-ed 1 lak rewards points benefits available for this card card is chargeable from 1 month i am using this card given good service from Kotak
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • Kotak Credit Card
      "Awesome card"
      0.5 5.0/5 "Blown Away!"
      Am using the KOTAK ESSENTIA PLATINUM CREDIT CARD for three months. They have given me a credit limit of Rs. 25000 and cash limit of Rs. 5000. There is no annual fee. In a bill cycle date, i may use Rs. 10000 then i will get 2 free tickets from PVR cinemas. I have called the customer care to change the mail id for that they are saying that i have to visit kotak Mahindra bank website and i can able change the mail id over there.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Got my KOTAK ESSENTIA PLATINUM CREDIT CARD 2 months ago. I have bought this credit card mainly for shopping. I was expecting a more credit limit but however they given only Rs. 30000 which is not enough. There is a annual fee of Rs. 1469 every year. I have not received any kind of notifications regarding the offers as of now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 02, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Got my KOTAK ESSENTIA PLATINUM CREDIT CARD and started using it . Reason for choosing the card is brand value. . As am not that much satisfied with the credit limit . As there is no annual charges but there is no additional charges for the transaction which i make. This is my first card documentation and received the card in time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 06, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I chose the KOTAK ESSENTIA PLATINUM CREDIT CARD online because the agents suggested. I am happy with the features. It is a premium card. The annual first year it will be waived. The limit is little bit low. Previously other card has got a good limit. This card has got a low limit when comparing to the other cards I have.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2018
    • Kotak Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      When I opened my savings account with Kotak Mahindra Bank, I received this Essentia platinum credit card. The process was good and the credit limit is also satisfactory. It is of 73K. There are good offers on the card as well. It is a life time free card too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 01, 2018
    • Kotak Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I had a very bad experience with Kotak mahindra bank. They have charged me wrongly then i have a long fight and long emails in the customer care services 2 years back after that only the issues got resolved. I think more than 7 years i have been using this card. They don't provide so many offers thats the reason i will use card rarely.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 29, 2018
    • Kotak Credit Card
      "Average card"
      0.5 2.5/5 "Just OK"
      Got my Kotak essential platinum credit card and started using it . As am not satisfied with the credit limit . As there is annual charges which gets waived off after using certain limit of Rs 30000. They came for documentation and received the card in time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 25, 2018
    • Kotak Credit Card
      "Time of repayment is very less"
      0.5 3.0/5 "Satisfactory"
      Last 5 months before, i have purchase this kotak bank credit card. I have not even done single transaction by using this credit card. Interest rates are nominal and the annual charges Rs. 500 per annum. I have a repayment time is less. I have to repay the money within 25 days. They are charging 1.5% as interest rate. They are sending offer messages through mail but i have not seen those thing.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 25, 2018
    • Kotak Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Got my Kotak essential platinum credit card and started using it . As am satisfied with the credit limit . As there is no annual charges as its life time free card but there is no additional charges for the transaction which i make. Reason for choosing the card is its reliable and got Rs 5000 offer . The rate of interest is low . I have been using this card for all purpose .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 17, 2018
    • Kotak Credit Card
      "Very Good Service"
      0.5 4.5/5 "Excellent!"
      I was already having a savings account with Kotak Mahindra Bank which made me to chose a credit card from them. The process in getting the card had been simple and smooth and the card has reached on time. They had provided me with a very good credit limit and there also had been good benefits and features with the card. I have already started using the card for shopping and all other purchases and i have already consumed 50% of the credit limit.
      Was this review helpful? 1
      , jaipur
      Reviewed on Jul 12, 2018
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