One among the fastest growing banks in the country, Kotak Mahindra Bank is the leader in the credit card category. They provide great customer service through features like SMS Banking and alerts facility, interactive voice response system (IVRS), customer care helpline, and email service. Customers may call the helpline for any query pertaining to the Kotak Mahindra credit cards.
Kotak Mahindra Bank’s credit card customers can choose from a range of communication modes to contact the customer care service. They may call the customer care toll-free number, send a letter to the postal address of the bank, use the Interactive Voice Response System (under Phone Banking), raise a complaint or service request online, and many such options. In order to assist the customers via SMS, the bank also provides SMS banking alerts facility.
Customers may use the following numbers for queries regarding their Kotak Mahindra Bank Credit Card.
|Kotak Mahindra Bank Credit Card toll-free number||1860 266 2666|
To reach out to the bank’s customer care service, customers may use the following phone numbers. The numbers specific to each city are listed below
|Allahabad||011 6600 6022|
|Chandigarh||0161 6500 6022|
|Goa||9522 6600 6022|
|Gurgaon||9511 6600 6022|
|Jalandhar||95161 6500 6022|
|Kanpur||011 6600 602|
|Kochi||0422 6600 6022|
|Kottayam||0422 6600 6022|
|Lucknow||011 6600 6022|
|New Delhi||6600 6022|
|Noida||9511 6600 6022|
|Patna||033 6550 6022|
|Varanasi||011 6600 6022|
For contacting Kotak Mahindra Bank via post, customers may mail their queries or complaints to the following address:
|Postal Address||Kotak Mahindra Bank, P.O. Box: 16344, Mumbai – 400013|
For an instant response to queries, customers can reach out to the customer care of the bank through SMS. For this, they must send the SMS from their number which is registered in Kotak Mahindra Bank’s SMS Banking & Alerts facility. For using this facility, it is mandatory for customers to have registered for the service.
|Credit Card Concern||SMS Format||SMS Query to (Phone number)|
|Current amount due on your credit card||CCBAL < Last 4 digits of the Kotak Credit Card Number >||5676788/ 9971056767|
|The outstanding amount due on your credit card as per your last credit card statement||CCDUE||5676788/ 9971056767|
|Last three transactions made on the credit card||CCTXN||5676788/ 9971056767|
|The last payment received on the credit card||CCPYMT||5676788/ 9971056767|
|The total spends made on your credit card this month||CCSPND||5676788/ 9971056767|
|The available credit limit balance on your credit card||CCAVBL||5676788/ 9971056767|
|Status of the credit card application submitted by an applicant||CCAPP||5676788/ 9971056767|
PIN generation requests can also be sent through SMS. When customers make any enquiry regarding their Kotak Mahindra Bank Credit Card via SMS, an instant SMS would be sent to them citing the details pertaining to the rejection, approval, or in process of the matter.
The bank has no particular email address for queries or complaints regarding credit cards. However, to submit their queries, existing credit card customers of the bank may use their personal banking portal. They may also call the customer care executive at 1860-266-2666.
The new customers of the Kotak Bank credit cards may visit the official website of the bank and fill out the form by submitting details like their name, email address, mobile number, and their query.
If the customer is in another country and need some help regarding their Kotak Mahindra credit card or need help in figuring out a solution to an issue, they may call the customer care number listed below:
|Kotak Mahindra Bank Credit Card toll-free number||+91 22 6600 6022|
Customers of the Kotak Mahindra Bank can also call the following country-specific helpline numbers for assistance regarding any issue or query they might have:
|Country||Kotak Bank Helpline|
|USA||1855 365 6767|
A four-tier grievance redressal process is provided by Kotak Mahindra Bank to take the complaints and grievances of the customers to the bank’s notice. Every grievance may be conveniently escalated to the top management of each level. Here is a step-by-step guide for reporting grievances at every each level.
Level-1: For grievances pertaining to the bank’s products or services, call the bank’s 24X7 helpline 1860 266 2666.
For customers calling from another country and NRI customers, the helpline number is +91-22-6600-6022. They may also call the below-listed country-specific toll free numbers.
There is an online grievance submission form in the grievance redressal page on the website of the Kotak Mahindra Bank. Customers can submit their details like their name, e-mail, mobile number, customer relationship number, and their query or feedback and submit the form.
Alternatively, customers who use Kotak Mahindra net banking may use the inbox section for reporting their issues.
Customers may also visit their nearest branch of the bank to report their grievances.
Customers who wish to put their grievance on paper may do so and send the same to
Kotak Mahindra Bank Ltd., P.O. Box:16344,Mumbai-400013.
Level-2: If no response has been received within seven days of the registering the grievance through the above channels or even if the resolution received in Level-1 isn’t satisfactory enough, customers may
Along with their other details, customers will have to enter their previous service request number, which they receive on registering their complaint in Level-1. After filling out the details, they should submit the form.
Kotak Mahindra Bank Ltd.,Service Quality,4th Floor, Building No: 21,Kotak Infiniti, Infinity Park, Off. Western Express Highway,General AK Vaidya Marg,Malad (E),Mumbai-400 097.
The form is available in languages like English, Hindi, Tamil, Kannada, Telugu, Assamese, Malayalam, Marathi, Bengali, Gujarati, and Oriya.
Level-3: In case there isn’t a response within five working days, customers may escalate the issue to the Nodal Officer of Kotak Bank. The details of the current officer are mentioned below. Customers may send a letter to the address, or send an e-mail to or call the officer as per their convenience.
Kotak Mahindra Bank – Nodal Officer Contact Nodal Officer, Kotak Infinity, 6th floor, Zone II, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (E), Mumbai – 400097.
Phone: 022 65237407
Alternatively, customers can also use the online e-mail to reach out to the officer. In addition to the other details, they have to enter the service registration (SR) number which they have received in the previous levels.
At this level, the bank prefers requests through postal mails or the online e-mail form where the precise details can be mentioned. The bank may not be able to provide resolutions through the phone.
Level-4: This is the last level and it involves directing the unresolved concerns and queries to the Principal Nodal Officer of the bank. Customers should take this step only if the Nodal Officer hasn’t responded within 5 working days of reporting the matter.
The PNO can be contacted at:
Kotak Mahindra Bank – Principal Nodal Officer ContactPrincipal Nodal Officer,Kotak Infinity,6th floor, Zone II, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (E), Mumbai – 400097.
Phone: 022 65237407
For escalating the issue to the PNO, there’s an online e-mail. Customers may use it or send their written request to the above listed postal address.
If the issue or concern is still unresolved even after multiple levels of escalation, customers may approach the Banking Ombudsman.
The Banking Ombudsman has been appointed by The Reserve Bank of India for all the states and the Union Territories in the country. Customers can find the details of their state-specific officer and approach them for with their grievance or issue.
If the Ombudsman is approached, customers should ensure that they possess all the supporting piece of evidence like service request numbers and any messages sent from the bank acknowledging their complaint.