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 - Daily Shopping Benefits
Extra savings: You earn 1 Saving Point for every Rs.250 spent on other categories (non-departmental & non-grocery).
Attractive redemption choices:
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: Kotak bank 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:
| 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
|
| 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| Call a draft or funds transfer fee | Rs.300 for every Rs.10,000 withdrawn/transaction |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) |
You are eligible to apply for the Essentia Platinum Credit Card if you meet the following criteria:
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.
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.
Call to Kotak Mahindra Bank credit card customer care, at 1860-266-2666 and talk to the representative.
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.
This card is a VISA chip card, valid internationally.
This card by Kotak Mahindra Bank is a VISA chip card.
Yes, the Kotak Bank Essentia Platinum Credit Card is valid internationally.
Yes, you will get an interest-free period of up to 48 days on transactions on the card.
The interest rate applicable with this credit card is 3.50% every month.
Yes, you can get an add-on card. You will have to pay a one-time fee of Rs.299 per card.
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