Kotak Mahindra Bank Credit Cards

If you are looking for a credit card that offers premium benefits and distinct advantages on multiple categories, the cards offered by the Kotak Mahindra Bank need to be explored. They offer features that suit the needs of a wide spectrum of customers.

Each of these cards has been specially designed to deliver a superior experience of financial freedom alongside the associated perks.

Top 5 Kotak Mahindra Credit Cards In 2019

Although it's not that easy to filter the top cards from multiple tempting options, we have curated a list of the top 5 Kotak Mahindra credit cards and each card would certainly prove to be a highly wonderful financial tool for you.

(*You can apply for any of these cards on the BankBazaar website since it is an official partner of the Kotak Mahindra Bank for offering these cards)

Features and Benefits Of The Top 5 Kotak Mahindra Credit Cards

Kotak Royale Signature Credit Card

Key Highlights: Enjoy features like fuel surcharge waiver, access to premium airport lounges, customizable reward options, and priority assistance. Additional benefits include add-on cards and an insurance cover against fraudulent transactions.

Joining Fee: NIL

Renewal Fee: Rs.999

Joining Bonus: Up to 30,000 bonus points on annual spends of Rs.8 Lakhs.

Features and benefits:

• 4X reward points for every Rs.150 spent on special categories. 2X reward points on all other categories.
• 10,000 reward points on annual spends of Rs.4 lakh and 30,000 reward points on annual spends of Rs.8 lakh.
• 2 complimentary access per quarter to airport lounges within India and unlimited paid access to all the participating lounges.

• Contactless and therefore a faster and safer way of payment through the Visa payWave technology.
• A cover of Rs.2.5 lakh against fraudulent usage of the card.

Rewards redemption option: A host of redemption options like air tickets, merchandise products, and mobile recharge with auto redemption facility that makes every purchase more rewarding.

Suitable for: Those who want to experience premium privileges on day-to-day transactions as well as on domestic and international journeys.

Kotak Essentia Platinum Credit Card

Key Highlights: Enables you to earn some of the best rewards in daily spends. It also gives you 10% savings on all your swipes at departmental and grocery stores.

Joining Fee: Rs.1499

Renewal Fee: Rs.749

Joining Bonus: 2 BookMyShow vouchers on the 1st swipe.

Features and benefits:

• 10 saving points for every Rs.100 spent at grocery and departmental stores. Each point is valued at Rs.1.
• The option to earn 1 saving point for every Rs.250 spent on other categories (non-departmental and non-grocery).
• Access to priority customer service with KASSIST by simply sending SMS KASSIST to 5676788 from your registered mobile number.
• Add-on cards are provided with the same benefits and features as the primary card. You may also set individual limits on each card and track spends on them.
• Under the Milestone Feature, you are eligible to get 6 free tickets from PVR or 1200 reward points for spends over Rs.1.25 lakh in 6 months.

Rewards redemption option: The accumulated saving points can be redeemed for cash, airline tickets, Air Miles, movie tickets, mobile recharge, and branded merchandise.

Suitable for: Frequent shoppers - both online and offline.

Kotak PVR Gold Credit Card

Key Highlights: It's loaded with special benefits and rewards for individuals who frequent multiplexes. Along with other rewarding offers, it gives you up to 24 complimentary movie tickets per year.

Joining Fee: NIL

Renewal Fee: Rs.499

Joining Bonus: 1 PVR voucher code on your first swipe.

Features and benefits:

• 1 complimentary PVR movie ticket on monthly spends of Rs.10,000 and 2 complimentary PVR movie tickets on monthly spends of Rs.15,000.
• An annual insurance cover of up to Rs.50,000 through PVR Shield.
• The option of add-on cards and the flexibility of fixing the spending limit accordingly.
• Shop anywhere in the country and get free PVR movie tickets.

Using the Kotak PVR coupon: Visit https://www.pvrcinemas.com to use the coupon code and get your free movie tickets.

Suitable for: Movie buffs.

Kotak PVR Platinum Credit Card

Key Highlights: This card gives you as many as 24 free PVR tickets to your favourite blockbuster movies every year along with offer exclusive benefits.

Joining Fee: NIL

Renewal Fee: Rs.999

Joining Bonus: 1 PVR voucher code on your first swipe.

Features and benefits:

• 2 complimentary movie tickets every month on monthly spends of Rs.10,000.
• An annual insurance cover of up to Rs.75,000 through PVR Shield.
• The option of add-on cards and the flexibility of fixing the spending limit accordingly.
• Shop anywhere in the country and get free PVR movie tickets
• Contactless payment facility at merchant locations for a safer transaction.

Using the Kotak PVR coupon: Visit https://www.pvrcinemas.com t o use the coupon code and get your free movie tickets.

Suitable for: Movie buffs.

Kotak Delight Platinum Credit Card

Key Highlights: It acts as a key for you to access a wide range of discounts, exclusive deals, and waivers. It also enables you to avail cashback offers on dining out and travel.

Joining Fee: Rs.1,999

Renewal Fee: Rs.299

Joining Bonus: 2 BookMyShow vouchers on the 1st swipe

Features and benefits:

• 10% cashback on dining and movie tickets on spends of Rs.10,000 for transactions excluding dining and entertainment.
• Fuel surcharge waiver on transactions in between Rs.400 and Rs.4000.
• Annual insurance cover of up to Rs.1.25 lakhs through Delight Shield.
• The option of add-on card and the flexibility of fixing the spending limit accordingly.
• Contactless payment facility at merchant locations for a safer transaction.

Suitable for: People using their credit card for daily expenses.

Eligibility To Apply For Kotak Mahindra Credit Cards

Although the application criteria depend on the card that you want to apply for, there are certain common factors that the bank checks to decide on your application. These include your income, credit score, and the income to expense ratio.

Some of the common eligibility criteria are listed below

You can check with the bank for the precise set of the required documents to apply for the card.

Check Your Eligibility For the Kotak Mahindra Credit Cards Online

Do the following for checking the eligibility for your desired Kotak Mahindra credit card on BankBazaar.com

• Visit www.bankbazaar.com/kotak-credit-card.html
• Click 'Check Eligibility' against your desired Kotak credit card

Documents Required To Apply For Kotak Mahindra Credit Cards

You will have to submit documents like your identity proof, address proof, income proof, etc. as asked by the bank. You will be informed about the exact list at the time of applying for the card.

How To Apply For Kotak Mahindra Credit Cards Online?

You can apply for your desired Kotak credit card directly here on the BankBazaar website. It's a paperless and fast process that also allows you to upload the necessary documents. You also get other benefits like checking your credit score for free, instant approval of your application, free gifts, etc.

Just follow the steps to apply for Kotak Mahindra credit cards

• Because you are on already on the Kotak credit card page, click on 'Eligibility' against the card that you want.
• Answer the set of questions that appears
• If it's established that you are eligible for the card, you would automatically land on the online card application page.
• Here, you have to enter the correct details in the appropriate fields and click 'Submit'.
• Next, you will need to upload all the documents that you are asked for and click 'Submit'.

Once you successfully perform the above steps, you would get an 'Application ID' using which you can track your application by visiting the ' Track Application ' page.

Why Apply For Kotak Credit Cards via BankBazaar?

Applying for a credit card can be a stressful and often, confusing process. But, there is an easy way to simplify that. All you need to do is go to Bankbazaar, a unique platform which consolidates all information related to your preferred Kotak Mahindra credit cards in one place. Right from researching about all the different credit cards offered by Kotak Mahindra, you can also compare different cards and pick the one which suits your requirements. Furthermore, you can easily check your eligibility for your preferred card and apply directly through the website. Bid goodbye to the hassle of having to run to the bank and having to go to multiple bank representatives, just to get the simple process of applying for a credit card in motion.

How to Apply For Kotak Credit Cards Via BankBazaar?

It is incredibly easy to apply for your preferred Kotak Mahindra credit card via Bankbazaar. Following are the simple steps involved.

• Head over to the BankBazaar website and click on the tab labelled ‘Credit Cards’.
• Once you click on that, you will re-directed to a page which displays a list of credit cards
• classified bank-wise. Once you have selected your preferred Kotak Mahindra credit card, you need to check whether or not you’re eligible to apply for it. For this, simply click on the tab labelled ‘Check Eligibility’.
• Having checked your eligibility for the chosen Kotak Bank credit card, you can choose to apply for the card by clicking on the ‘Apply Now’ tab. And that’s all it takes!

Reward Points On The Top Kotak Mahindra Credit Cards

The credit cards mentioned above offer some of the best and most tempting reward points programs to their users. The points can be accumulated on various popular categories and redeemed for attractive and useful options.

Below are some of the best regular and accelerated reward points program offered by the Kotak credit cards.

Beside these reward points, you can also avail milestone bonus rewards, annual bonus rewards and other such offers on the Kotak credit cards.

Other Kotak Mahindra Credit Cards

Apart from the cards listed above, there are other credit cards offered by the Kotak Mahindra Bank. Some of them are listed below. Also, since BankBazaar doesn't offer these cards, you need to visit the official Kotak Mahindra credit cards website to apply for them.

Kotak Mahindra Bank Credit Card FAQs:

1. What is the minimum term deposit amount required in order to apply for a Silk Inspire credit card?

   Applicants must have a minimum term deposit amount of Rs 50,000.

2. What is the annual fee for the Kotak Silk Inspire credit card?

   An annual fee of Rs 599 + GST shall be charged on the Kotak Silk Inspire credit card for women.

3. Can I track the spends Add-on cards associated to any Kotak Bank credit cards separately?

   Yes, you may track the spends on all add-on cards separately for easy expense management.

4. What is Smart Pay?

   Smart Pay is a facility offered by Kotak Mahindra bank which allows Kotak credit card holders to pay for any transaction above the value Rs 3000 in easy installments / EMIs. Customers can choose from 3, 6, 9, 12 and 24 months.

5. Does the Wealth Management Infinite Credit Card carry any Golf benefits?

   Yes, this card does carry golf benefits which allows cardholders to tee off at some of the finest golf courses around the world.

6. What is the minimum income requirement in order to apply for a Royal Signature credit card ?

   Applicant must have a minimum income of Rs 25 lakh or above, per annum.

Bankbazaar facilitates you to check your eligibility for top credit cards

*GST rate of 18% applicable for all financial services effective July 1, 2017