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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 45 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
      "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
    • Kotak Credit Card
      "Superb card"
      0.5 5.0/5 "Blown Away!"
      They have offered me a credit limit of 30000 and i have purchased a credit card 1 year before. Every Saturday they are providing the buy 1 + Get 1 movie tickets offers. Ive received a very good response from the customer care service people. So far, i don't find any issues with the Kotak Mahindra credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      Recently i have bought this kotak mahindra credit card. In Kotak Mahindra, They have provided the credit limit of Rs. 90000 and I'm happy about it. Customer care service is fine. I don't receive any offer notification to my mail as well as messages. They are charging me a annual fee for this credit card but i don't remember about that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 01, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've bought the KOTAK ESSENTIA PLATINUM CREDIT CARD online. It Took 20 days to receive the card. They promised that I Will be getting the card in 9 working days. The limit is too low The features are good, the card was delivered to my office.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 29, 2018
    • Kotak Credit Card
      "Expectation was not met"
      0.5 1.0/5 "Really Bad"
      I have asked for the best kotak mahindra bank card but they have sent me a basic card from Kotak. The credit limit also very less which is 75000. I did not expect that they will send these kind of a card. Their is nothing special in this card. Their is no movie tickets offer, No Airport launches and dining offers not available. I'm not happy with the card. I called the customer care but they are not responsible.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 25, 2018
    • Kotak Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      Got my Kotak essential platinum credit card and started using it . As am satisfied with the credit limit . As there is annual charges but there is no additional charges for the transaction which i make. They came for documentation and received the card in time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      I Wanted to have the card KOTAK ESSENTIA PLATINUM CREDIT CARD so I chose it online. The limit is too low. I haven't used the card much so it is not fair to comment on the offers. It is too difficult to make the the payment, the payment will not get updated on their system and I am facing server issues as well. They need to work on their payment interface for sure.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • Kotak Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The documents collected manually by fixing an appointment by the Kotak. The customer support service and the response is average here. The balance transfer option is not available for 6months with this Kotak mahindra bank Essentia credit card. They need to update process to the customers on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • Kotak Credit Card
      "Good, can be imporved"
      0.5 3.0/5 "Satisfactory"
      The bank service need to be focused in fulfilling the customer queries on time. The bank need to be more pro active in explaining the product as well. I have got the Kotak mahindra bank Essentia credit card in a month time, they took higher than normal time to dispatch the credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      The card doesn't had any annual fees or joining fees which was one of the reason i had chosen this card. The benefits and the features with the card also had been very good. The credit limit has been okay but i am expecting more. The whole process had been smooth and i had got the card on time. I have been started using it for shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2018
    • Kotak Credit Card
      "BEST CARD"
      0.5 4.0/5 "Great!"
      Started using Kotak essentia platinum credit card , as there is no annual charges, and even satisfied with credit limit. There is reward and cash back points available for transaction which i make. They did quick documentation and approval process.and rate of interest is also nominal.am using this credit card mainly for shopping and fuel purpose..
      Was this review helpful? 0
      , pune
      Reviewed on May 09, 2018
    • Kotak Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Kotak took higher than normal time to deliver the KOTAK ESSENTIA PLATINUM CREDIT CARD, they took around 3 months time to disburse the card. The customer support service and the response is very good with the Kotak mahindra bank, they give good excellent response to the customers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2018
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