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

    Apply for Kotak Mahindra Bank credit cards to enjoy a variety of benefits like reward points, dining benefits, travelling privileges etc. Annual fees range from 0 to Rs. 1,999 and the interest rate is 3.5% per month.

    Top Kotak Mahindra Credit Cards In 2021

    Credit card name Joining Fees Renewal Fees
    Kotak Fortune Gold Card Nil Nil
    Kotak Urbane Gold Credit Card Nil Rs.199 (waived if previous years spends exceed Rs.15,000)
    Kotak Feast Gold Credit Card Nil Rs.499
    Kotak League Platinum Card Nil Rs. 499 (waived if previous years spends exceed Rs.50,000)
    Kotak Solaris Platinum Credit Card Rs. 500 Rs. 500 (waived if previous years spends exceed Rs.75,000)
    Kotak Silk Inspire Credit Card Rs 599 Rs.599 (waived if previous years spends exceed Rs.1.25 lakh)
    Kotak Delight Platinum Credit Card Rs 1,999 Rs.299
    Kotak Essentia Platinum Credit Card Rs 1,499 Rs.749
    More
    We found 6 Kotak Mahindra Bank Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    0
    100% PAPERLESS APPROVAL
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    Fee Details
    999
    100% PAPERLESS APPROVAL
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    Fee Details
    1499
    100% PAPERLESS APPROVAL
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    Fee Details
    499
    100% PAPERLESS APPROVAL
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    Fee Details
    1999
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    What you'll love
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    Fee Details

    You get exclusive access to a world of benefits with Kotak credit cards. Reward points, cashback, fuel surcharge waivers, free movie tickets, and airport lounge access, these are just some of the perks you will enjoy.

    Kotak has also designed these cards to suit your needs and lifestyle requirements. From shopping to travel, you have several options to explore.

    Key Benefits Of Kotak Cards

    Reward Credit Cards

    • Enjoy 30,000 bonus reward points under the Milestone Program on yearly expenses of Rs.8 lakh and above.
    • Get complimentary airport lounge access (per quarter) in India until 30 June 2019.
    • Get up to 4x reward points for every Rs.150.
    • Save on transport expenses with the fuel and railway surcharge waivers.

    • Earn 3x reward points for every Rs.100 spent on retail expenses.
    • Spend Rs.1 lakh in a year for 10,000 reward points or four free PVR movie tickets.
    • Reward points can be redeemed in blocks of 1,000 (1,000 points = Rs.75).
    • Insurance cover of up to Rs.50,000 (with Urbane Shield) in case your credit card is stolen.

    • For every Rs.150 spend, you earn up to 8x reward points.
    • Spend Rs.1.25 lakh every six months to get 10,000 reward points or four free PVR movie tickets.
    • Fuel and railway surcharge waivers on your transport-related transactions.
    • Get a Rs.500 movie voucher as a joining gift.

    Entertainment credit cards

    • Spend Rs.10,000 or more in a month to get two PVR movie tickets for free. Get up
    • Save up to Rs.9,600 in a year with up to 24 free PVR movie tickets.
    • There are no joining fees for this card.
    • Insurance coverage up to Rs.75,000 for lost or stolen cards, with PVR Shield.

    • Get one PVR ticket for free when your monthly spends exceed Rs.10,000.
    • Get two PVR tickets for free when your monthly spends exceed Rs.15,000.
    • Save up to 5% on your expenses in a year.
    • Earn up to 24 free PVR tickets worth Rs.9,600 in a year.

    • This card is linked to your term deposit, where the minimum TD amount has to be Rs.25,000.
    • Get a credit limit of up to 80% of your term deposit.
    • Get four free PVR tickets or Rs.750 cashback when you spend Rs.1.5 lakh in a year.
    • Enjoy fuel and railway surcharge waiver.

    Dining credit cards

    • 10% cashback on dining and entertainment on spending Rs.10,000 on other expenses.
    • Waivers on fuel surcharge as well as railway surcharge.
    • Spend a minimum of Rs.1.25 lakh every six months to enjoy Rs.750 as cashback or four PVR movie tickets for free.
    • Get an insurance coverage of Rs.1.25 lakh for stolen cards, with Delight Shield.

    Shopping Credit Cards

    • 10% savings on your department and grocery store expenses. Earn 10 Saving Point per Rs.100 spent.
    • Earn 1 Saving Point for every Rs.250 you spend on other categories.
    • Spend Rs.1.25 lakh every six months to enjoy six free PVR tickets or 1,200 reward points.
    • Get access to KASSIT for priority assistance to all your card queries.

    • You get 5x reward points per Rs.150 you spend on online purchases.
    • For every Rs.150 you spend on other expenses, you get 2x reward points.
    • Get 4,000 bonus reward points when you spend Rs.2 lakh during the program period.
    • Get 10,000 bonus reward points when you spend Rs.4 lakh during the program period.

    • This card is linked to an individual term deposit, for which the minimum amount has to be Rs.50,000.
    • Earn up to 5x reward points for every Rs.100 spent on apparel. The minimum retail expenses in a billing cycle has to be Rs.7,500.
    • Get 1 reward point per Rs.200 spent on other expenses.
    • Earn 1,000 reward points or four PVR movie tickets for free every 6 months when you spend Rs.1.25 lakh.

    NRI Credit Cards

    • This card is only available for NRE/NRO account holders. It is linked to your individual fixed deposit account, which requires a minimum amount of Rs.1 lakh.
    • Applicant has to be an NRI with an Indian residential address.
    • Get 2x reward points for every Rs.200 on overseas expenses.
    • Get 1x reward point for every Rs.200 spent in India.

    Corporate Credit Cards

    • Kotak Corporate Wealth Signature Credit Card
    • Kotak Corporate Platinum Credit Card
    • Kotak Corporate Gold Credit Card

    Premium / Exclusive Credit Cards

    • Kotak Privy League Signature Credit Card (Optima & Prima) - For Privy league customers
    • Kotak Privy League Signature Credit Card - For customers with Privy league Banking Relationship
    • Kotak Wealth Management Infinite Credit Card - For customers with Kotak Wealth Management Banking Relationship
    • Kotak Fortune Gold Card - For businessmen only
    • Kotak Best Price Card - For Best Price Modern Wholesale stores

    Features of Kotak Credit Cards

    EMI conversion for shopping

    Whether you're buying a new smartphone or getting flight tickets, you can turn any purchase above Rs.2,500 into monthly instalments.

    EMI conversion for outstanding balances

    If you're finding it difficult to clear your outstanding balance in one go, you can opt for balance EMI conversion. You also get great interest rates when you choose this scheme.

    Online balance transfer

    Transfer the outstanding balance on other credit cards to your Kotak card to manage your debt easily. You will also enjoy a 90-day interest free period.

    Kotak Cash at Ease for cash withdrawals

    With this option, you can access cash whenever you want, wherever you want. There's cash available at ATMs, branches, by transferring funds online, or requesting for a demand draft.

    Kotak Visa Bill Pay for online bill payments

    Never miss a due date with Kotak's bill payment option. All you have to do is use your Kotak credit card with Visa. This service is free too.

    Fees and charges of Kotak Credit Card

    Type of fees Charges
    Interest rate Starts at 3.3% p.m.
    Minimum Amount Due (MAD) 5% or 10% of the total amount due (as per the bank's discretion)
    ATM cash withdrawal Rs.300
    Fund transfer Rs.300
    Cash advance (per Rs.10,000) Rs.300
    Call a draft Rs.300
    Late payment fees

    Rs.100 for statement of Rs.500 or less

    Rs.500 for statement between Rs.501 and Rs.10,000

    Rs.700 for statement more than Rs.10,000

    Over limit fees Rs.500
    Cheque bounce fees Rs.500
    Foreign currency mark-up 3.5%
    Cash payment at bank fee Rs.100

    Required credit score for Kotak credit card application

    To apply for a Kotak card, you are required to maintain a credit score of at least 700. However, this may vary as per the bank's discretion.

    Documents Required For Kotak Credit Card

    You will have to submit several documents during your credit card application process. Listed below are some of the standard documents:

    • Identity proof such as Aadhar/PAN card, driver's license
    • Address proof such as electricity/telephone bill, driving license
    • Income proof such as latest payslips, Form 16

    Do note that you will be informed of the exact list by the bank when you begin your application.

    How To Apply For A Kotak Credit Card Online

    You can also apply for your Kotak card through the official Kotak Mahindra Bank's website. Listed below are the steps you'll need to follow to begin your application:

    • Visit the official Kotak Mahindra website.
    • Under the 'Explore Products' tab, choose 'Cards' and then select 'Credit Cards'.
    • You will be redirected to a page with all the cards offered by Kotak.
    • Once you have found a card to apply, you can select 'Apply Now'.
    • You will have to fill in some details to finish your application.

    Eligibility for Kotak Credit Card

    While the eligibility criteria differ from card to card, below you'll find the basic requirements:

    • 21 years of age and above
    • Salaried professional or self-employed
    • Indian resident
    • Minimum annual income of Rs.3 lakh p.a.

    How To Track Your Kotak Card Application Status Online

    There are two ways you can check your application status. You can call the Kotak banking helpline and request them for information regarding your application. Alternatively, you can visit the bank's official website and select 'Track Application Status'. You will have to enter the application number or form number to check the status.

    Kotak Credit Cards Issued Against Term And Fixed Deposits

    • Kotak Aqua Gold Credit Card - Issued against a minimum term deposit of Rs.25,000
    • Kotak Silk Inspire Credit Card - Issued against a minimum term deposit of Rs.50,000
    • Kotak NRI Royale Signature Credit Card - Issued against a minimum fixed deposit of Rs.1 lakh

    Kotak Card Offers

    To maximise the value of your expenses, Kotak offers a wide range of perks on its credit cards. From dining to entertainment, you'll find great discounts and deals on a variety of products and services.

    You also get access to other offers when you apply for selected Kotak cards on BanBazaar's website.

    Balance Transfer

    Manage your debt easily by transferring your outstanding balances to your Kotak card. For starters, you can transfer a minimum of Rs.2,500 or a maximum of 75% of your credit limit. You will also enjoy a 90-day interest free period.

    Balance transfer is not available on cards that are less than six months old. You will be charged a processing fee of Rs.349 for every Rs.10,000 you transfer. GST is also applicable on this transaction.

    Loans On Kotak Cards

    You can get a personal loan on your Kotak card when you need finances immediately. The maximum loan amount you can get is Rs.5 lakh with attractive interest rates. You can also choose tenures from 6 months to 48 months. The amount will be instantly transferred to your Kotak account or any other savings account.

    Kotak Credit Card Bill Payments

    There are several ways to pay off your Kotak card bill. Listed below are some options you can use:

    • Mobile banking
    • Net banking
    • WebPAY
    • NEFT/IMPS
    • Phone banking
    • Cheque payment
    • Auto debit
    • VISA payment
    • Over-the-counter

    How To Contact Customer Care

    If you have queries regarding your Kotak card, there are various customer care channels you can choose from:

    • Phone banking
    • Email
    • Keya - Virtual assistant
    • Bank branches
    • ATMs
    • Registered offices

    How To Earn And Redeem Reward Points

    The points you accumulate on your Kotak card can be redeemed for an array of things. Listed below are some rewards redemption methods you can consider:

    Pay with reward points

    Instead of paying for your purchases with cash or card, you can use your points at participating merchant outlets.

    Redeem for merchandise

    Your points can be redeemed for branded merchandise, movie tickets, airline tickets, air miles, cash, and even mobile recharges. In case of mobile recharges, merchandise, and airline tickets, these points will first be converted to Easy Points and the conversion rate is 1 Easy Point for every 5 reward points.

    Redeem for vouchers

    You can also redeem your points for air ticket vouchers. However, do note that this voucher is only valid for six months.

    How To Close Your Kotak Credit Card

    If you're no longer using your card and wish to close it, there are certain steps you need to follow. To close your Kotak card, it's advised to send written communication to the bank. Your credit card will only be cancelled if you have paid off your outstanding dues.

    Once you have cleared the balance, request the bank to share written acknowledgement stating your credit card has been cancelled. This acknowledgement should also include that all your dues have been paid.

    FAQs on Kotak Credit Card

    1. Can I transfer money from my Kotak credit card to my bank account?
    2. The only way you can transfer money from your Kotak credit card to your bank account is by taking a cash advance. You can use your card to withdraw money from the ATM and then deposit that money into your bank account. The amount you withdraw will be treated as a short-term loan and the interest charged will be sperate from the interest you are charged for your retail spends. Also, keep in mind that this loan does not have any grace period when it comes to repayment.

    3. Does Kotak 811 provide a credit card?
    4. At present, Kotak 811 customers get access to a debit card. You can access this card by logging in to your mobile banking app. However, there is no credit card that primarily caters to 811 customers currently. If you do want a credit card, you can apply for any of Kotak Mahindra Bank’s credit cards. If you meet the eligibility criteria, you will receive the credit card.

    5. Which is the best Kotak Mahindra Bank credit card?
    6. Here’s the thing with credit cards – what may be the best card for one person, could very well be the worst for another. The only way to truly get the most out of your card is by ensuring that the rewards match your spending pattern.

    7. How can I close my Kotak Mahindra credit card?
    8. Once you have decided to close your Kotak credit card account, the first thing you should do is contact the bank. You can do this by calling their customer care service, but it will be better if you visit the branch you bank with. The bank officials will check to see if all pending dues have been cleared. If not, you will have to pay the outstanding amount before the bank officials go ahead and close your card account.

      It’s good practice to insist on a written acknowledgement from the bank that all your dues have been paid and that the card stands cancelled. Once you receive this, you can go ahead and cut the card in your possession. Ensure that you cut the card across the magnetic strip. Doing so will ensure that you have successfully closed your credit card.

    9. Who can apply for a Kotak Mahindra Bank credit card?
    10. Depending on the type of credit card you are applying for, the eligibility criteria may differ. However, in general, you need to be a resident of India, have a steady source of income (you can be salaried or self-employed), and be between 21 and 65 years of age.

    11. How can I increase my Kotak credit card limit?
    12. There are primarily two ways to increase the credit limit on your card. These are:

      • Use your credit card as much as you can. This way the bank will see that you are both using it and repaying your bills on time. They will thus increase the credit limit on their own or call you and tell you that you can increase the credit limit on your card if you so wish.
      • Request for an increase in your credit limit. Let’s say that your income has increased since you first applied for your credit card. By providing the bank with proof of income in the form of your payslip, you can request for an increase in your credit limit.
    13. Is there an app for Kotak Mahindra Bank credit card?
    14. While there is no app exclusively for credit cards, you can always access all credit card details by using the Kotak Mahindra Bank mobile application.

    15. How can I convert Kotak credit card reward points to cash?
    16. Yes, you can convert the reward points you earn on your Kotak Mahindra Bank credit card to cash. To do so, log in to your net banking account, select the credit card option, and select the redemption choice. In this case, it will be cash.

    17. How many days does it take to get a Kotak Mahindra Bank credit card
    18. Once you apply for a new credit card or place a request for a replacement card, you should receive it within 7 business days. As soon as the card is dispatched, you will receive an SMS with the name of the courier company as well as the air waybill number (AWB). You can use this number to track where your card is and when you are likely to receive it.

    19. Are there any charges for a Kotak Mahindra Bank credit card?
    20. All credit cards come with certain fees and charges which differ depending on the type of credit card you decide to apply for. In general, these are the fees you will have to pay:

      • Joining fee.
      • Annual fee.
      • Interest on the outstanding balance.
      • Late payment charges.
      • Over limit charge.
      • Foreign currency mark-up fee.
      • ATM cash withdrawal fee.
    21. Can I apply for a Kotak Mahindra Bank credit card through net banking?
    22. If you are applying for a new credit card for yourself, you can do so by applying either on a credit card comparison website or on the bank’s website. If you are applying for an add-on card, though, you can apply for it using Kotak’s net banking facility.

      Other ways to apply for a Kotak Mahindra credit card are:

    23. Is there an interest free period on retail transactions and cash transactions?
    24. There is an interest-free period on retail transactions for up to 48 days. However, cash transactions do not have an interest-free period. When you initiate a cash withdrawal, interest will start accruing from the very same day.

    25. When will I be charged a mark-up fee?
    26. You will be charged a mark-up fee every time you initiate an international transaction. A fee of 3.5% of the transaction amount will be charged for both retail as well as cash transactions.

    27. Will I be charged an over limit fee?
    28. Yes. You will be charged Rs.500 for every billing cycle that where you have exceeded 100% of your credit limit.

    29. Can I track the expenses on my Add-on Cards?
    30. Yes. You can track the expenses separately for your Add-on Cards.

    31. What do I do if my card is lost or stolen?
    32. You need to follow the steps below if you've lost your card or it has been stolen.

      • Get in touch with the Customer Contact Center at 1860 266 2666 to block, cancel, or deactivate your card.
      • Register a claim with the insurance company. Send an email to bankclaims@hdfcergo.com or call HDFC ERGO General Insurance Company at 1800 2700 700.
      • If there are any charges made to your credit card, you will have to send a Customer Dispute Form to the bank. This copy can be emailed to service.cards@kotak.com or faxed to 022-66466901.
      

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    Kotak Mahindra Bank Credit Cards Reviews

    • Kotak
      "Good "
      0.5 4.0/5 "Great!"
      Already I had taken a personal loan from KOTAK at that time banker has offered a credit card with life time free. I have been using this card for one year. The credit limit is sufficient and I never preferred for the cash limit. I utilized EMI conversion more than 3-4 times but charges are high. I use this card for shopping and all other purposes. I don't feel they are providing much offers .
      Was this review helpful? 23
      , kochi
      Reviewed on Mar 20, 2020
    • Kotak
      Kotak
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I am using Kotak Mahindra Bank credit card for the past 6 months .The credit limit was really good and converting emi option is there .This card is very useful on all circumstances and it dont have cash on hand this will play a vital role.This card was delivered on time .
      Was this review helpful? 3
      , chennai
      Reviewed on Mar 19, 2020
    • Kotak
      "Good service and good card"
      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? 3
      , hyderabad
      Reviewed on Mar 19, 2020
    • Kotak
      "Okay"
      0.5 4.0/5 "Great!"
      Credit limit from Kotak Bank which is okay limit and the service need to be improved. The rate of interest was high in this bank which they need to decrease .I am getting a reminder call but they need to improve the tele calling system and other part.
      Was this review helpful? 5
      , kolkata
      Reviewed on Mar 18, 2020
    • Kotak
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Kotak Bank credit card service was good, they have a wonderful application and its a customer friendly bank because I am struggling to use other bank. I am getting 1+1 movie offer on this card even if I spend 1L in a year, i am getting 2 movie tickets free which am happy.
      Was this review helpful? 8
      , jaipur
      Reviewed on Mar 18, 2020
    • Kotak
      "Its a good card"
      0.5 5.0/5 "Blown Away!"
      Mostly am using this Kotak Mahindra credit card for shopping, bill payments, etc and this card has a EMI facilities, usually i won't go for EMI. This bank has a very good customer service and i got this credit card offer directly through bank only.
      Was this review helpful? 4
      , chennai
      Reviewed on Mar 18, 2020
    • Kotak
      "Good "
      0.5 4.0/5 "Great!"
      I was using KOTAK card past 2 years ago. I chosen this card from my end which applied direct to bank. They provided a life time free card and the credit limit was low of 15K only. I was using this card for shopping and other usage and getting benefits. Then I felt not interested to hold this card for further so I raised a request to close the card and it was done on time from bank.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 17, 2020
    • Kotak
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra Bank credit card which was taken through bank.I am using this credit card almsot 10 to 12 years only since have salary account bank offered this credit card .This was a life time free card and not using this credit card much .I am using this credit card for shopping and dinning .I have submitted documents through agent and the process was smooth and good .
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 15, 2020
    • Kotak
      "Good"
      0.5 4.5/5 "Excellent!"
      I have a PVR credit card with Kotak Mahindra Bank which am using it for around 5years. I have an issue with the limit, now its 83K but when I started it was only 25K. I am not paying annual fee. There is no special benefits, only they have provided 2 pvr tickets when I purchased above 10K.
      Was this review helpful? 1
      , pune
      Reviewed on Mar 15, 2020
    • Kotak
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK Bank credit card for last one month and i applied this card directly through bank. I have an account with this bank based on that i got this offer without any documentation its pre approved. This card has buy 1 get 1 movie ticket offer.
      Was this review helpful? 5
      , bangalore
      Reviewed on Mar 14, 2020
    • Kotak
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have an account with Kotak Bank, so i got this credit card offer. They have increased the limit with in one month , now the limit is sufficient and i am using Kotak service is very good which am using it for past 2.5 years. I am using this card for all purpose.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 14, 2020
    • Kotak
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through bank. I am using the card for the past 1 year and this card is having was very less credit limit which I would suggest them to increase. EMI conversion is included and easy to navigate.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 13, 2020
    • Kotak
      "Excellent service "
      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? 2
      , kolkata
      Reviewed on Mar 13, 2020
    • Kotak
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I have been using the Kotak Mahindra bank credit card but i am planning to close this card because of non usage. They will give some reward points based on my usage. There will be one movie ticket free every month from PVR Cinemas. They have given me a satisfied credit limit. They charge a yearly fee of Rs. 499 any way it will be waived off. One of the executive approached me to get this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 13, 2020
    • Kotak
      "Basic card"
      0.5 5.0/5 "Blown Away!"
      In Kotak Mahindra bank, i have been holding urban credit card for around 2 year which is a basic card so i won't get much benefits. Value of the reward point is very low. Since i hold a savings account with Kotak Mahindra bank, they have forced me to take this card actually they gave me a upgrade option but am not interested. Overall, customer care service is good. EMI, processing fee and fore closure fee is quite high when i compared to others. Their reward point conversion should be bit more higher.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Mar 11, 2020
    • Kotak
      "Everyone must take the card"
      0.5 4.0/5 "Great!"
      Took my Kotak Mahindra bank credit card around 2 years. There is a waiver option, if i spent a limit of Rs.35000 in a year. It does not have any free movie ticket offer. They have increased my credit limit on a yearly basis. They keep on sending me a offer notification through SMS. I'm receiving the bills on time and i haven't received the hard copies.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 10, 2020
    • Kotak
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I access the online transaction on my Kotak Mahindra bank and I'm not that much satisfied with the customer care service because its not getting connected easily and it takes lot of time. EMI conversion facility is very good when i compared to other cards because when i select the EMI option, they will inform their terms and conditions through mail after that they will process.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 10, 2020
    • Kotak
      "Good "
      0.5 5.0/5 "Blown Away!"
      KOTAK has given the cash limit of 40K and they have enhanced the credit limit of 3- 4 times for past 2 years. Some time I use this card for fuel purpose. They have given option for EMI conversion. Generally I use this card for all purposes and getting good benefits.
      Was this review helpful? 1
      , kolkata
      Reviewed on Mar 09, 2020
    • Kotak
      "Good service"
      0.5 5.0/5 "Blown Away!"
      From KOTAK Bank, i am using Delight credit card for more than 1.5 years and it was applied directly through bank. Sometimes, am getting reward points and there was some offers on bookmyshow.com. If I spend 40K in a year then annual fee will be zero. I got 1L as a credit limit.
      Was this review helpful? 1
      , pune
      Reviewed on Mar 09, 2020
    • Kotak
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      I was holding KOTAK bank credit card for more than 2 years. It was a life time free card but the service is not up to the mark. There is no proper intimation for my query and also not easy to connect them, at initial I got the credit limit of 25K. since there is no proper service, I have cancelled this card.
      Was this review helpful? 6
      , bangalore
      Reviewed on Mar 09, 2020
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