Santa Claus comes around just once a year. In the meantime, there are Credit Cards.

Kotak Credit Card Bill Payment

 4.0 / 5.0   by 489 users
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Promised Interest Rate

Customer Service

Responsiveness

Missing your card payment has several disadvantages. For starters, you'll attract a late payment penalty. Then, your interest rates will witness an increase and your credit score will also dip. That's why it's crucial you pay your credit card bill on time every month. To make things easier, Kotak Mahindra Bank has several offline and online payment modes. Most of these channels have quick turnarounds, ensuring you never miss your due date.

Kotak Credit Card Bill Payment Online

  • Mobile banking
  • Net banking
  • WebPAY
  • NEFT/IMPS
  • VISA payment

Kotak Credit Card Bill Payment Offline

  • Auto debit
  • Phone banking
  • Over the branch counter
  • Cheque

Ways To Pay Your Card Bill Online

When you choose an online payment channel, you enjoy the convenience that comes along with it. You can clear your outstanding balances whenever and wherever you want.

Mobile Banking

Besides card payments, the Kotak Mobile app also lets you view past statements, request for balance transfer, convert transactions to EMIs, and more. Here's how you can pay your credit card bill via the app:

  • Download the Kotak Mobile app from Google Play Store.
  • Once you have installed the application, log in to the app with your credentials.
  • Go to the 'Home Page'.
  • Choose 'Credit Card'.
  • Under this option, select 'CC Payments'.
  • Follow the instructions to complete the transaction.

Net Banking

Once you have registered for Kotak Mahindra Bank's net banking facility, you can make your card payments easily from your current or savings account. Here's how you can get started:

  • Log in to Kotak's netbanking facility with the required credentials.
  • Go to the Home Page.
  • Go to the 'Credit Card' tab.
  • Choose 'Payments' under this tab.
  • Select the 'Make Payment' option.

WebPAY

You can pay your credit card bill, if you don't have an account with Kotak Mahindra Bank. With WebPAY, you can clear dues with any other bank account. This service, however, is available only for selected banks. Let's check how you can use WebPAY:

  • Enter your Kotak credit card details and other payment-related information.
  • Choose your bank from the dropdown list.
  • Approve the transaction.

Once the payment has been processed, you will receive a transaction reference number along with an online confirmation.

NEFT / IMPS

This is another payment channel that offers convenience and ensures payments are processed quickly. Let's see how you can pay your Kotak card bill through this mode:

  • Log in to your bank's net banking facility.
  • Choose the 'Fund Transfer/NEFT/IMPS' option.
  • Add your Kotak credit card as a 'Payee' by entering the following details.
    • Payee name - 4166xxxxxxxxxxxxxxxxxxx customer name
    • Location - Mumbai
    • Destination bank - Kotak Bank
    • Bank address - Main branch Mumbai
    • IFSC code - KKBK0000958
    • Payee account number - 16-digit card number
  • Once you have added your card as a 'Payee', you can proceed with the payment by following the instructions.

VISA Payment

You can use your VISA debit card to pay your Kotak credit card bills. To use this service, you will have to register your Kotak card for VISA credit card payment via your bank's net banking portal. Once this is done, you can make payments whenever and wherever you want.

Ways To Pay Your Card Bill Offline

Besides online modes, Kotak Mahindra Bank also offers offline channels to those who prefer it.

Auto Debit

If you can't remember your due dates, the auto debit channel is one you should consider. The approved amount will be debited from your bank account every month and directed to your credit card.

To register for this service, you will have to download the Auto Debit Authorization Form from Kotak Mahindra Bank's official website.

Fill in all the required details and then mail a signed copy to Manager - Customer Correspondence Centre, Kotak Mahindra Bank, Attn: Customer Correspondence Unit - Credit Cards, 3rd Floor, Akruti SMC Centre, Khopat, Next to ST Stand, Thane (W) - 400601.

Alternatively, you can also submit the form at your nearest Kotak Mahindra Bank branch.

In your form, you should mention if you want Kotak to debit the total amount due or the minimum amount due every month.

Phone Banking

If you prefer picking up the phone to pay your card bill, you can opt for phone banking. Here's how it works:

  • Call Kotak Customer Service at 1860 266 2666.
  • Choose the 'Banking' option from the menu.
  • Request for a transfer from your Kotak savings or current account to your Kotak card account when you're speaking to the executive.

You can get in touch with his number 24/7.

Over the branch counter

Go to your nearest Kotak Mahindra Bank branch and deposit the cash for your card payment. To find a branch, you can visit Kotak's official website for the list. You can also send an SMS 'K Branch < 6-digit PIN Code>' to 9971056767 or 5676788.

Cheque

If you're not comfortable depositing cash, you can also clear your dues with a cheque. Address this cheque to Kotak Mahindra Bank Card A/C, which includes your Kotak credit card's 16-digit number. You can then drop this cheque in a drop box at the ATM or any of the Kotak Mahindra Bank branches.

You can find the list of branches on Kotak's official website or by sending an SMS 'K DROPBOX < 6-Digit PIN Code>' to 5676788.

FAQs on Kotak Credit Card Bill Payment

  1. Which banks have access to the WebPAY service?
  2. Listed below are the banks that have access to the WebPAY service:

    AXIS Bank Indian Overseas Bank State Bank of Patiala Corporation Bank
    Bank of Bahrain and Kuwait Indian Bank State Bank of Mysore Deutsche Bank
    Bank of Baroda (Corporate) IndusInd Bank State Bank of Travancore Development Credit Bank
    Bank of Baroda (Retail) Jammu and Kashmir Bank Syndicate Bank Dhanlaxmi Bank
    Bank of India Karnataka Bank TamilNad Mercantile Bank Federal Bank
    Bank of Maharashtra Karur Vysya Bank Union Bank of India ICICI Bank
    Central Bank of India Laxmi Vilas Bank (Corporate) United Bank of India IDBI Bank
    Citibank Laxmi Vilas Bank (Retail) Vijaya Bank Punjab National Bank (Corporate)
    City Union Bank Oriental Bank of Commerce YES Bank
    Shamrao Vithal Co-operative Bank State Bank of Bikaner & Jaipur State Bank of India
    South Indian Bank State Bank of Hyderabad Punjab National Bank (Retail)
  3. I made paid my credit card bill using VISA payment. How long will it take for the amount to reflect in my card account?
  4. It should take two to three working days for the transfer to reflect in your credit card account.

  5. Are there any charges for cash payments?
  6. Yes. You will have to pay Rs.100 plus additional service charges for cash payments.

  7. How long do cheque payments take to reflect in my card account?
  8. On realisation of your cheque, you can expect the payment to be credited to your account within five working days.

  9. Whom should I contact if someone has stolen my credit card?
  10. You can call the helpline number 1860 266 2666. If any unauthorised transactions have been made using your credit card, call 1800 209 0000. This is a toll-free number available 24/7.

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Customer Reviews

Page 1 of 25 1 2 3 4 5
  • Kotak Credit Card
    "Good service and good card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I am using League credit card more than 6 months from Kotak Bank. This is an excellent card. Maximum I am using for online shopping, Eb payment and recharges, online payments and domestic shopping, home appliances through online and I applied this card through other channel.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 19, 2020
  • Kotak
    Kotak Credit Card
    "Excellent service "
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I got a offer from KOTAK Bank for credit card which have availed and i was using for the last 2 years. This is a free card actually its card to card basis. Actually i use this card for medicine, groceries, mobile bill, EB bill payment. Overall its working good.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 13, 2020
  • Kotak Credit Card
    "Satisfactory card"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    Since I have taken a car loan from Kotak bank so as a complementary they have provided me a credit card. They are giving 2 movie tickets free in a month. I need to pay the annual fee of Rs. 450. I have not faced any issue on this card till now. Through online net banking facility, I used to make the payment. Their customer support is not good because we don't get the line and they don't response immediately to the customer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 05, 2020
  • Kotak Credit Card
    "Need to improve the services"
    KOTAK MAHINDRA BANK
    0.5 1.0/5 "Really Bad"
    In Kotak Mahindra bank credit card, they are decreasing the credit limit for every month. I'm receiving a message stating that based on the bank policy its getting decreased. Then next important thing is once the bill generated, on next day itself their customer care people are torturing the customer to pay the bill even before the due date which is not good. I won't recommend this card to others.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 28, 2020
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    On 2 years ago, I have got my credit card from Kotak Mahindra Bank. Their app is very good to use and service charge is less. Their service is good in the call centre. They have provided me a urbane credit card hence whenever I do EMI conversion, the charges are nominal. I'm getting a messages on a time to time basis. Their service people used to remind the customer regarding the due date hence my payment won't get miss.
    Was this review helpful? 1
    , bangalore
    Reviewed on Feb 23, 2020
  • Kotak Credit Card
    "Need to improve the card services"
    KOTAK MAHINDRA BANK
    0.5 2.0/5 "Expected more"
    I am facing some issue in Kotak Mahindra bank payment method. The card due date is 20th of every month but they are charging EMI amount on 1st of every month due to that they are charging some interest additionally. Earlier they have provided the credit limit of Rs. 45000 after that they have keep on reducing the limit without any prior intimation and when i cross my limit, they are charging me over limit usage charges.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 21, 2020
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    In Kotak Mahindra bank, I am holding my credit card which was issued based on my savings account, they gave me a life time free credit card. I got the credit limit of Rs. 1 lakh. Till now i haven't faced any issue on this card. They are sending offer messages via mail and SMS. I make the credit card payment through online.
    Was this review helpful? 1
    , chennai
    Reviewed on Feb 20, 2020
  • Kotak Credit Card
    "Fine"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I am using KOTAK Platinum credit card more than 9 months. Based on my account transaction, no need to pay annual charges. Credit limit on 1st year they given as Rs. 24k after 6 months automatically raised to Rs. 90k, i have given request to increase the limit. Service was good and there is a EMI option but interest was high 22%.
    Was this review helpful? 4
    , bangalore
    Reviewed on Feb 13, 2020
  • Kotak Credit Card
    "Good service"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I am using Kotak mahindra Bank credit card which have availed directly through bank.This was a chargeable card need to pay Rs.399 yearly .I am getting cash back offers as well as reward points for shopping .customer service is also good and overall I am satisfied.
    Was this review helpful? 2
    , kolkata
    Reviewed on Feb 10, 2020
  • Kotak Credit Card
    "Worst bank in mt life"
    KOTAK MAHINDRA BANK
    0.5 0.5/5 "Unacceptable"
    This is third class bank no cutomer value here no response and if you unable to pay first emi then he send gunda in your home and abuse. I suggest no one use kotak bank this is a very very bad bank and customer care rediculas bank.My name is Rahul Kant Verma i am using your kotak credit card since 2 year but unfortunately some misshaping with me so 2 month i cannot payment was done then your executive make reversal letter created on 12 june 2019 then i was doing payment as per letter after that received a call from your executive Lokesh mobi no 9873394456 this person is made reversal letter but he call me after done first installment than said bank is said you have to pay extra payment i already was done firs installment 16000 i was deny and said as per letter i will do the payment then he abusing me and called to my family and friends and i was fear than i deposit extra payment these are executives are making fool customers if you want exra payment not as per your letter .
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jan 29, 2020
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    Kotak Mahindra bank has a annual charges of Rs. 250. Already I have an account with this bank and the service is good hence i can manage all the account its easy do the payment also so that i bought the card. Its a PVR Gold credit card. I'm getting a benefits on shopping, movie ticket and also travel benefits.
    Was this review helpful? 3
    , pune
    Reviewed on Jan 25, 2020
  • Kotak Credit Card
    "Should have a friendly relationship with customer"
    KOTAK MAHINDRA BANK
    0.5 1.0/5 "Really Bad"
    Kotak mahindra bank people are irritating the customer because before due payment itself, they used to call the customer on every day and every hour by asking when the customer is going to make the payment. 7 months before, i have purchased this credit card because my salary account is with them. I'm planning to return the credit card because of the call flow.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 21, 2020
  • Kotak Credit Card
    "Best card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I have KOTAK credit card which was taken through online and i am using this card more than 3 years. This was a PVR credit card which is very comfortable to use .I am satisfied with the credit limit and getting good cash back offers as well as reward points .I have got the credit card on time without any delay .There was no difficulties faced while submitting the documents and i am using this card for shopping,mobile bill payment, online shopping and money transfer. This is a life time free card.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Dec 23, 2019
  • Kotak Credit Card
    "Easy to use"
    KOTAK MAHINDRA BANK
    0.5 3.0/5 "Satisfactory"
    My salary account is in Kotak mahindra bank so they have supported well and gave me a credit card from the same bank. The benefits like am getting the rewards points and cashbacks. The card is accessible everywhere. I'm not happy with the credit limit and i requested them to increased the limit and they have added Rs. 5000 which is not sufficient for me. I need to pay the annual fee of Rs. 499 and it too get waived off when i do the transaction of Rs. 1 lakh in a year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 19, 2019
  • Kotak Credit Card
    "Not upto the mark"
    KOTAK MAHINDRA BANK
    0.5 1.0/5 "Really Bad"
    Kotak Mahindra bank is not providing a good service to the customer because they are threatening the customer. One day i have received a call from Kotak Mahindra bank people on Sunday regarding the payment delay. My due date falls on Saturday. For paying Rs. 4500, they have called me 13 times in a day and they are harassing the customer like anything. Am unhappy with this bank.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 19, 2019
  • Kotak Credit Card
    "Best card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I hold Kotak urban gold credit card since 2017. I don't need to pay any yearly charges for this card. They are not sending any messages regarding the offers. I got this credit card because i was worked in kotak bank so i got this offer.Customer service was good.
    Was this review helpful? 1
    , thane
    Reviewed on Dec 19, 2019
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 3.0/5 "Satisfactory"
    I hold Kotak mahindra bank credit card for the last 1.5 years. They are taking too much charges without informing me they have reduced my credit limit too for these reasons i have to call the customer care service. I don't need to pay any yearly charges for this card. They are not sending any messages regarding the offers.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 18, 2019
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I have received the credit card from Kotak Mahindra bank for almost 1 month back. There is no benefit i get from this card. They have given me a credit limit of Rs. 80000. Sometimes if we do payment of minimum amount, the interest rates very high. I have done my purchase into EMI once and the charges are nominal.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2019
  • Kotak Credit Card
    "Good Card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    Its good to use the credit card from Kotak Mahindra bank. For past 1.5 years, i have been using this card. They gave me a limit of Rs. 50000. There is no yearly charges for this card. I use this card for offline purchase and movie ticket booking. If i make the payment, it takes 2 days to update in the card.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 08, 2019
  • Kotak Credit Card
    "Donkey card and donkey service"
    KOTAK MAHINDRA BANK
    0.5 0.5/5 "Unacceptable"
    I have bad experience with credit card, they have suddenly decreased limit from 182000 to 31000 without any reason and I already been used 29000 till that time. That means I was not able to spend at least 2000 from this card and I was stuck. Finally I decided to close this card and paid outstanding amount immediately. As I asked to customer care then they said because of CIBIL, is kotak bank making own CIBIL score because I checked my civil score and it was 809 and I have never missed any emi/payment in past 5+years. Donkey card and donkey service.please dont use otherwise you can stuck somewhere if you are dependent that you have amount in your card.
    Was this review helpful? 1
    , pune
    Reviewed on Dec 08, 2019
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