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  • Kotak Bank Essentia Platinum Credit Card

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  • A credit card designed keeping the savvy shopper in mind, the Kotak Bank Essentia Platinum Credit Card has a joining fee of Rs.1,499. The annual fee on this card is Rs.749 and is applicable from the second year onwards. Additionally, the interest rate you are charged on your outstanding balance is 40.8% p.a.
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  • We found 1 Kotak Bank Essentia Platinum Credit Card
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    The Kotak Essentia Platinum Credit Card extends up to 10% savings on all your swipes at departmental and grocery stores. Apart from the savings, you would also enjoy privileges like propriety customer assistance, card protection insurance, etc.

    Kotak Bank Essentia Platinum Credit Card - Key Highlights

    Kotak Bank Essentia Platinum Credit Card - Daily Shopping Benefits

    • For transactions valued between Rs.1,500 and Rs.4,000, you earn 10 Saving Points for every Rs.100 spent at grocery and departmental stores and the value of each point is Re.1.
    • The maximum points that can be earned in a month are 500.

    Features and benefits of the Kotak Bank Essentia Platinum Credit Card

    Extra savings: You earn 1 Saving Point for every Rs.250 spent on other categories (non-departmental & non-grocery).

    Attractive redemption choices:

    • The accumulated saving points can be easily redeemed online for cash, airline tickets, air miles, movie tickets, mobile recharge, and branded merchandise.
    • For redeeming the points for airline tickets, merchandise, and mobile recharge, the reward points must be converted into Easy Points and 1 Saving Point = 2 Easy Points.

    More offers and benefits: You are also eligible to avail a host of promotional offers such as dining deals, vacation offers, etc.

    Priority service: Get access to priority customer service with KASSIST. Just send an SMS KASSIST to 5676788 from the registered mobile number and get a call from the bank within 30 mins for assistance.

    Add-on cards: Add-on credit cards have the same benefits and features as the primary card. You can set individual limits on each card and track spends on them.

    Contactless facility: The Visa payWave feature in the card allows you to pay for transactions of up to Rs.2000 using the contactless facility without entering your card PIN. It makes it a safer, secured, and faster mode of payment.

    Milestone rewards:

    • On spending Rs.1.25 lakh in 6 months with the card, you earn 1200 Reward Points or 6 complimentary PVR tickets.
    • For redeeming these points, you can opt for a maximum of 12 complimentary PVR tickets every year.
    • You can also opt to adjust the points with your next billing cycle statement or even choose one from air tickets, air miles, mobile recharge, movie tickets, and branded merchandise.

    Kotak Bank Essentia Platinum Credit Card Fees and Charges

    Type of fee Amount (Rs.)

    Joining fee

    Rs.1,499

    Annual fee

    Rs.749

    Interest charges on outstanding balances

    3.50% per month

    Cash withdrawal fee per Rs.10,000 or part thereof

    Rs.300

    Late payment charges

    If the outstanding amount is

    Equal to or less than Rs.500 - Rs.100

    Between Rs.500.01 to Rs.10,000 - Rs.500

    Greater than Rs.10,000 - Rs.700

    Over limit fee

    Rs.500

    Call a draft or funds transfer fee

    Rs.300 for every Rs.10,000 withdrawn/transaction

    Add on card charges

    Rs.299 per card

    Furnishing a copy of CIBIL

    Rs.50

    Fee for cash payment at a branch of the bank

    Rs.100

    Reissue or replacement of the card

    Rs.100 (per issuance)

    Eligibility to apply for the Kotak Bank Essentia Platinum Credit Card

    You are eligible to apply for the Essentia Platinum Credit Card if you meet the following criteria:

    • You fall in the age bracket of 21 to 65 years. Also, add-on cardholder should be at least 18 years of age.
    • At present, the card is available in the following locations only - Ahmedabad, Chandigarh Bangalore, Chennai, Delhi (including Noida and Gurgaon), Hyderabad, Mumbai, Kolkata, Navi Mumbai, and Pune
    • You should be an Indian resident.

    Documents Required To Apply For The Kotak Bank Essentia Platinum Credit Card

    • To apply for the card, you would have to submit documents like KYC-PAN, address proof and ID proof. You would also have to submit your photograph, and salary slip/other bank credit card statement.
    • Any other document required by the bank would be informed to you during the application process.

    Kotak Essentia Platinum Credit Card FAQs:

    1. When am I charged the over limit charge on my Kotak Essentia Platinum Card?
    2. If the total transaction value crosses 100% of the credit limit, a flat over limit fee of Rs.500 will be levied in every billing cycle in which you are over limit.

    3. Does the add-on cardholder get separate saving points?
    4. No, there are no separate saving points on for add-on cardholders. The limit of the monthly saving points (500) has been fixed for the primary and the add-on cards combined. Hence, the add-on cardholder will not get any separate saving points.

    5. In case of a card-related emergency, how do I contact the Kotak Mahindra Bank?
    6. To contact the Kotak Bank, just dial 1860-266-2666 and talk to a bank representative.

    7. How does the Insurance Cover help?
    8. The insurance cover will provide reimbursement for any unauthorised or fraudulent use if the card is lost/stolen. This cover would be provided for up to 7 days prior to the reporting and is valid for both primary and supplementary cards.

    9. What type of card is the Kotak Essentia Platinum Credit Card?
    10. This card is a VISA chip card, valid internationally.

    Also Know About Other Credit Cards Offered By Kotak Bank

      

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    Kotak Bank Essentia Platinum Credit Card Reviews

    • Kotak Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Kotak bank offered me a PVR Gold credit card hence i get a free movie ticket every month from PVR cinemas. After i applied the card, i got it in 15 days and there is a annual fee of Rs. 499. EMI conversion is available on my purchase and if i convert upto or more than 12 months and below that there will be some charges.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 12, 2019
    • Kotak
      Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Just one month over since iâ??m using the card. No specific features are available in this credit card. They have provided me a credit limit of Rs. 50000 which is okay for me. They are not sending any offer notification mails or messages till now. Whenever i swipe the card, i am getting the notification immediately. Documentation process was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 18, 2019
    • Kotak Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have not faced any issue ,i have choosed this card since got the offer for this Kotak Mahindra credit card only. The credit limit was less since expected more .while submitting documents there was no issues faced .I have applied for urban card but got a different card that was the issue other than the service was good .
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Yet to experience the card"
      0.5 3.0/5 "Satisfactory"
      There is no specific reason for choosing this card. Based on my profile they have provided me this card. I don't use this card much hence I'm not sure about the offers. Just to have a card on emergency purchases, i hold this card hence i won't use the card often. I'm satisfied with the credit limit.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2019
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the KOTAK Essentia Platinum Credit Card for a long time, the services provided by them had been good. The card has a good credit limit and it has some annual charges as well. I use the card for online shopping and for other payments as well.
      Was this review helpful? 2
      , chennai
      Reviewed on May 22, 2019
    • Kotak Credit Card
      "Services has to get improvised"
      0.5 4.0/5 "Great!"
      The process in getting my KOTAK ESSENTIA PLATINUM CREDIT CARD has been comfortable & it was delivered on time. The annual charges with the card will get waved off if we use a certain limit. I am kind of happy with the credit limit, but it was very hard to activate the card where it took almost 15 days.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 09, 2019
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had selected the KOTAK ESSENTIA PLATINUM CREDIT CARD since because of the movie ticket offers which they are providing. But the process had taken more time than what i was promised with. I am happy with the credit limit wit the card but i am not satisfied with their customer support response where they are not professional on calls.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 09, 2019
    • 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
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