Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Credit Card Bill Payment

    Missing your card payment has several disadvantages. For starters, you will 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
    • 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/National Electronic Fund Transfer (NEFT)/ Immediate Payment Service (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.


    • Open PhonePe app.
    • Go to ‘Recharge and Pay Bills’ section.
    • Click on ‘Credit Card Bill’.
    • Enter your ‘Credit Card Number’.
    • Click on ‘Confirm’.

    Google Pay

    • Open Google Pay app.
    • Click on ‘Businesses and Bills’.
    • Click on ‘Credit Card Bill Payment’.
    • Tap on ‘Kotak Credit Card’.
    • Enter your ‘Kotak Bank Credit Card Number’ to link your account.
    • Make your credit card bill payment through Google Pay.


    • Open Paytm app.
    • Go to ‘Credit Card Payment’ page.
    • Click on ‘Proceed’.
    • Enter the payment details and bill amount.
    • Make the bill payment.


    • Open Mobikwik app.
    • Click on ‘Recharges and Bill Payment’.
    • Choose ‘Credit Cards’.
    • Enter your Kotak Bank Credit Card Number.
    • Click on ‘Pay Now’ to make the credit card bill payment.

    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.

    Payment Processing Time for the Various Methods

    The payment processing time for the various methods of bill payment for Kotak Bank credit cards are as follows:

    Payment Method Processing Time
    Standing instructions Instant credit
    Bank branch Cash or cheque
    Kotak Mobile app Instant credit
    Net banking Instant credit
    NEFT Instant credit
    IMPS Instant credit
    Card payment from other bank websites Three working days excluding Saturdays and Sundays
    Visa Payment Two to three working days
    WebPAY Instant credit
    Cheque According to the bank's timeline

    Kotak Bank Credit Card Statement

    Kotak Bank sends your credit card statement on a monthly basis to your registered email address or postal address, depending on which mode of communication you have opted for.

    It is important to go through the credit card statement in detail every month and report any unauthorized transactions to the bank.

    The Kotak Bank credit card statement will provide the following information:

    • Minimum amount due.
    • Total outstanding amount due.
    • Due date for the payment.
    • Billing starting and ending date.
    • Interest charges levied, if any.
    • Accumulated reward points.
    • List of transactions done on your credit card, both debits and credits, along with the merchant's name.
    • Transaction amount.
    • Transaction date.

    FAQs on Kotak Credit Card Bill Payment

    1. I made paid my credit card bill using VISA payment. How long will it take for the amount to reflect in my card account?

      It should take two to three working days for the transfer to reflect in your credit card account.

    2. Are there any charges for cash payments?

      Yes. You will have to pay Rs.100 plus additional service charges for cash payments.

    3. How long do cheque payments take to reflect in my card account?

      On realisation of your cheque, you can expect the payment to be credited to your account within five working days.

    4. Whom should I contact if someone has stolen my credit card?

      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.

    5. Do add-on credit cards have a separate credit card statement?

      No, add-on credit cards do not have a separate credit card statement. The outstanding amount is added to the credit card statement of the main card itself.

    6. How do I make the payment on my Kotak Bank credit card for transactions done internationally?

      Transactions done internationally on your Kotak Bank credit card will be listed in your monthly credit card statements, just like domestic transactions. Payments are made for all transactions combined through any one of the payment methods listed above.

    7. Will the reward points on my Kotak Bank credit card be listed in the credit card statement?

      Yes, your reward points will be listed in your credit card statement.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    This Page is BLOCKED as it is using Iframes.