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 405 users
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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?

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)

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

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

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

  7. Whom should I contact if someone has stolen my credit card?
  8. 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 21 1 2 3 4 5
  • Kotak Credit Card
    "Worst Card"
    KOTAK MAHINDRA BANK
    0.5 2.0/5 "Expected more"
    I have used the card for last 3.5 years. At the time of my purchase, i'm not much aware of the credit card hence i have misused it. This is my first card and they have not provided me any support regarding the bill payment hence i have not made any bill payment. After that they have charged me a interest rate and late fee of Rs. 10000 finally i have close the card.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 16, 2019
  • Kotak
    Kotak Credit Card
    "Not satisfied"
    KOTAK MAHINDRA BANK
    0.5 1.0/5 "Really Bad"
    I have been holding Kotak mahindra bank credit card from long time, i am not satisfied with me the service, they have charged me annual fee but waived off option is available, but every time they use to call for due payment, like if my due date is 15 th of every months they start calling from 1st itself, that too 20-25 times they use to call me, they gave credit limit up to 70,000 for that too much call, i am thinking to surrender this card.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 15, 2019
  • Kotak Credit Card
    "Good"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    For the Kotak Mahindra bank credit card they provided me with the credit limit of 78000 which was more sufficient to me. It was a life time free card with no annual charges. I use to do my credit card payment through Internet banking as soon i do the payment it would get reflect in my card.
    Was this review helpful? 3
    , bangalore
    Reviewed on Jul 13, 2019
  • Kotak Credit Card
    "Good"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I am holding a Kotak Mahindra credit card. Credit limit is nominal. It is not a lifetime free card I have to pay annual fee. I am getting cashback offer and reward points. I am using this card for online shopping, refilling petrol and other purpose.
    Was this review helpful? 1
    , chennai
    Reviewed on Jul 13, 2019
  • Kotak Credit Card
    "Its Convenient"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I already have account with Kotak Mahindra hence I thought to go with that, because the payment gateway is easy to make my bills. I have started using the card its over the limit, but still they didn't add any charges even I have non chargeable card.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jul 11, 2019
  • Kotak Credit Card
    "Average"
    KOTAK MAHINDRA BANK
    0.5 3.0/5 "Satisfactory"
    Though the process for Kotak Mahindra Bank was good for the credit card but there are continuous calls much before the due date for the payment. I get five to ten calls per day. I accept if the due date is crossed. The credit limit is good. There are no annual charges for the first year.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 11, 2019
  • Kotak Credit Card
    "GOOD"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I am using the credit card with KOTAK MAHINDRA BANK from last 1 year, it is a basic with no offers available. The card has the lesser limit but it is a life time free card. The application is good and easy to pay bills. The customer support is good and they are responsive.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 10, 2019
  • Kotak Credit Card
    "Excellent"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I am holding kotak credit card but not getting statement of my payment which i use to pay through online. I use to expect 50000 as a credit limit but they provide me only with 260000 which is very less. Its a life time free card but not provided with any cash back or rewards offer. I have received card on time
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 09, 2019
  • Kotak Credit Card
    "Overall Satisfactory"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I am using Kotak Mahindra for last 1.5 year, we can get the loan on the credit card and I can covert the outstanding balance into emi and it can be full amount or partial amount. I can transfer balance from one card to another card with less interest. I started Kotak card Rs. 30,000 as limit now they upgraded 1.20 lakh. The payment is also instant, if I call their toll free no within 30 sec I could reach their executive. Yearly 199
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 09, 2019
  • Kotak Credit Card
    "GOOD"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I am using the KOTAK MAHINDRA BANK credit card where the card has the good credit limit which is satisfactory but it is a payable card. The bill payment is easy and comfortable to do also it is a good card to use. I use for the multiple purpose it is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 08, 2019
  • Kotak Credit Card
    "Excellent card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I have been holding Kotak mahindra credit card from long time, They have charged me annual fee but waived off option is not available every year 199 i need to pay. They have given me good credit limit as per my expectations, They have given me good offers.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jul 03, 2019
  • Kotak Credit Card
    "Nice service"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    7 years ago, i have taken my kotak mahindra bank credit card. I used to get a free ticket from PVR cinemas. I get a rewards points and the given credit limit is more which is Rs. 75000. There is no annual fee is required because i do a more transaction. They are sending the offer notification by SMS and mail. I make the payment through online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 30, 2019
  • Kotak Credit Card
    "Not satisfied"
    KOTAK MAHINDRA BANK
    0.5 1.0/5 "Really Bad"
    I have been holding previously Kotak mahindra credit card long back, They have charged me annual fee up to 500 but waived option option was available, the credit limit which they have given to me was okay, but i face issue in payment wise, like i paid the payment, but it did not got reflected in the account, 500 rupees i need to do penalty forcefully they made me to pay even though i have cleared my payments due, so i block this card itself.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jun 30, 2019
  • Kotak Credit Card
    "NOT SATISFIED"
    KOTAK MAHINDRA BANK
    0.5 1.0/5 "Really Bad"
    I am not satisfied with the services of the card and i am not satisfied with the customer support, i got no hike in the credit limit, the card is not supported with almost all of the vendors. The card has no offers to use, no emi to be used. I got no access to do payment through application.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 30, 2019
  • Kotak Credit Card
    "Excellent"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    I have been using Kotak Mahindara Bank credit card over one year. Credit limit is nominal. There is no cash back offer. Customer service is good but to contact them is a time consuming process. I use this card for bill payment, online shopping and at gas station.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 29, 2019
  • Kotak Credit Card
    "Its Good"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I have league card from Kotak Mahindra, I am holding this card around five years. But the interest was simpler like 3.5% per month, the credit limit is satisfactory. I can all avail some gift voucher. The payment gateway is convenient its updating on time if I make today it get update on tomorrow.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 29, 2019
  • Kotak Credit Card
    "Card is good"
    KOTAK MAHINDRA BANK
    0.5 3.0/5 "Satisfactory"
    Till now i have used the Kotak card for only once for offline transaction. They called me and informed me about the movie ticket which i get based on my transaction. When i want to make the credit card payment, there is no details provided regarding that and there is no IFSC code to make the payment. When i got welcome call, they were not given the information about the benefits of the card.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 27, 2019
  • Kotak Credit Card
    "Good card"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    I have been holding Kotak mahindra bank credit card from long time, they have charged me annual fee in this card but waived off option is available, the credit limit which they have given to me was sufficient, it was based on my requirement, i use to track my payment status even i use to get mail and message , i always use to login in mobile application it is user friendly.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 24, 2019
  • Kotak Credit Card
    "Super card"
    KOTAK MAHINDRA BANK
    0.5 5.0/5 "Blown Away!"
    2 years back, i have purchased the credit card from Kotak Mahindra bank. I get most of the offers from this card. They are sending the offers to my mails and messages. I got the credit limit of Rs. 1.11 lakhs. Its easy to make the bill payment through online.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 24, 2019
  • Kotak Credit Card
    "Need to give offers"
    KOTAK MAHINDRA BANK
    0.5 4.0/5 "Great!"
    For last 2.5 years, i am using my Kotak Mahindra bank. They are giving any offers and not any benefit on the foreclosure amount. If i do a bulk payment, they are not giving any concession. They have not increased my credit limit for last 2.5 years. Its easy to make the payment through online via app.
    Was this review helpful? 2
    , mumbai
    Reviewed on Jun 21, 2019
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