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  • Kotak Mahindra Bank Credit Cards

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  • 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 2019

    Credit card name Joining Fees Renewal Fees
    Kotak Fortune Gold Card Nil Nil
    Kotak Urbane Gold Credit Card Nil Rs.199 (waived if previous year's spends exceed Rs.15,000)
    Kotak Feast Gold Credit Card Nil Rs.499
    Kotak League Platinum Card Nil Rs. 499 (waived if previous year's spends exceed Rs.50,000)
    Kotak Solaris Platinum Credit Card Rs. 500 Rs. 500 (waived if previous year's spends exceed Rs.75,000)
    Kotak Silk Inspire Credit Card Rs 599 Rs.599 (waived if previous year's 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
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    We found 6 Kotak Mahindra Bank Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    100% PAPERLESS APPROVAL
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    999
    100% PAPERLESS APPROVAL
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    1499
    100% PAPERLESS APPROVAL
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    Fee Details
    499
    100% PAPERLESS APPROVAL
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    1999
    100% PAPERLESS APPROVAL
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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:

      • Apply directly at the bank.
      • Call customer care and request for a credit card.
    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 Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank credit card is a very good card to use because they are providing a EMI conversion facility due to that we can convert my bulk purchase into small EMIS so my credit score won't get affect. I use the PVR platinum credit card.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 20, 2019
    • Kotak
      Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Kotak credit card is good and have completed 1.5years. The payment mode is NEFT, it will reflected on the same day. Am getting the statements without any delay. There is no hidden charges. The annual fee of Rs.500 will waiver off, if I spend 15K in a year.
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 19, 2019
    • Kotak Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      Kotak Visa Platinum credit card is not beneficial and am not using the card presently. The credit limit is 1.21L and am happy with that limit. There is an annual fee of Rs.600. The payment mode is very easy because am maintaining my salary account. Last year, I had 10000 points which is converted only for 900rupees which am not happy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 18, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank .I am using this credit card for the past 4 years ,This card is very easy to use and there was no difficulties faced so far .I am really satisfied with the service .I am comfortable with the service so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • Kotak Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was taken through Bank direclty .I am using this credt card so far and not faced any difficulties .This was a chargeable card and using this card for the past 1 year only .I have not faced any difficulties so far on using this card .I am satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through Bank directly.I am using this credit card for the past 2.5 years and the credit limit was upto 2 lakhs it is really sufficient as well.There are really good reward points as well as cash back offers.I am comfortable on using this credit card .
      Was this review helpful? 0
      , kakinada
      Reviewed on Oct 12, 2019
    • Kotak Credit Card
      "Yet to use the card"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank provided me a credit card by making a call from call centre people. Again i called them and i informed that I'm not interested but they said the card has been processed already. I received the card in next 15 to 20 days. Still i haven't do any single transaction also. I haven't checked the card features as well.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 11, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank is a best bank i have ever seen. I had my credit card with them because their interest rate was nominal and they have very good slap for making a repayment option. I will get 2 PVR movie ticket every month if i use the credit card for more than Rs. 10000.
      Was this review helpful? 3
      , mumbai
      Reviewed on Oct 11, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am having Kotak Mahindra Bank credit card which i have taken through Bank directly .I am using this credit card for the past 3 years ,This was a free card ,The credit limit was really good and it was sufficient as well.There are good cash back offers and reward points also.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 10, 2019
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a credit card with KOTAK MAHINDRA BANK on a month before which was applied through an online. It took one week to receive a card. It is a life time free credit card and the credit limit is good and sufficient . Emi option is applicable . I use this card for all purposes. Based on the usage I get points but no cash back.
      Was this review helpful? 3
      , chennai
      Reviewed on Oct 06, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied KOTAK PVR GOLD CREDIT CARD online. It is a lifetime free card and its features are really good. They have given sufficient credit limit. I had received the card on time. I have started using the card and I am getting reward points and offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 06, 2019
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had aplied KOTAK PVR PLATINUM CREDIT CARD online. I had received the card on time. They have given very low credit limit. I was expecting more. It's a lifetime free credit card. I have started using the car and I am getting reward points and offers.
      Was this review helpful? 2
      , chennai
      Reviewed on Oct 05, 2019
    • Kotak Credit Card
      "Poor Service"
      0.5 3.0/5 "Satisfactory"
      Very recently they have provided me a credit card from Kotak mahindra bank. I hold this card for last 6 months. First time, they sent the card to my office address where i was not available and after 3 months, they have sent me a card for residential address. Without any usage, they sent me a bill of activation charges and joining fee. Later i paid the entire amount. I have lodged a lots of complaint, they haven't taken any action.
      Was this review helpful? 1
      , jamshedpur
      Reviewed on Oct 05, 2019
    • Kotak Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      Purchased the kotak mahindra bank credit card by last 8 months back. I got the limit of Rs. 50000. Kotak mahindra bank people are approached me for the credit card and i applied the same. I have uploaded all the documents through online.
      Was this review helpful? 1
      , kochi
      Reviewed on Oct 04, 2019
    • Kotak Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I haven Kotak Mahindra Bank credit card which was taken through Online .I am using this credit for the past 1 month ,The credit limit was very less since expected more it was not sufficient,I have got all the details about the card process very clearly .While submitting the documents the process was smooth.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 04, 2019
    • Kotak Credit Card
      "Need to decrease interest charges"
      0.5 1.0/5 "Really Bad"
      I am holding kotak bank credit card which applied to bank directly and received a card by this month only. It is an annual fee chargeable of 499 rupees plus GST. The credit limit is good which was given for this card of 75 thousands. There is an option for an EMI but charges are high. This card been use for many purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 04, 2019
    • Kotak Credit Card
      "Very Good deal with the offer"
      0.5 4.0/5 "Great!"
      They have good options and good schemes are going in the market thats the reason i bought the credit card from Kotak mahindra. I'm totally satisfied with the limit. If i have some utilization with the limit, they will waived off my annual fee. They have so much offers are available on their website. Executive came to my place and collected the documents. Card quality can be improved.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 03, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra Bank credit card which I had applied through Online .The credit limit was very less and it was upto 48,000.I have got my credit card on time without any delay.I have got all the required details about the card process through the agent .I am totally satisfied with the service so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 03, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied KOTAK ROYALE SIGNATURE CREDIT CARD. I am ok with the credit limit, bank has given sufficient credit limit. I have started using the card and I am getting reward points and cashback offers. I had received the card on time and it's lifetime free card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 03, 2019
    • Kotak Credit Card
      "Need to improve customer service"
      0.5 1.0/5 "Really Bad"
      Once I use the KOTAK card I get a call from bankers repeatedly saying to do the bill payment which leads to unhappy with their service. Even if I done my payment also I get a call from them and ask have u done the payment. The credit limit of 50 thousands given for this card. EMI option is applicable.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 03, 2019
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