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    Loan on Kotak Bank Credit Card

    Kotak Mahindra Bank is the fourth biggest private sector bank in India, in terms of market capitalization. It has its headquarters in our country’s unparalleled city of dreams, Mumbai. And the officially registered head office is situated at 27 BKC, Bandra Kurla Building Complex in Bandra. In February 2003, Kotak Mahindra Group’s prize finance company was granted the license to continue their banking services by the RBI in the year 2003. This was a major milestone as it is the first and foremost firm in the history of Indian banking to get converted to a bank. In less than a decade, Kotak Mahindra Bank has literally branched over with 641 offices and thousands of ATMs countrywide.

    Kotak Mahindra Bank offers loan on credit card as a part of their comprehensive loan portfolio. Cardholders can avail instant cash as personal loan using their credit cards.

    Eligibility Criteria:

    This facility is available to select credit cardholders based on the credit repayment history and credit score. Do enquire with the bank to know more about your eligibility and interest rates.

    Kotak Bank Credit Card Loan Features & Benefits:

    • This loan requires no documentation or guarantor and is hassle free.
    • The processing fee is nominal.
    • There are easy EMI options available with flexible and long tenures.
    • The interest rates are comparatively less when compared to loans without credit card.
    • The loan is also processed, approved and disbursed quickly.

    Perfect Credit Card Deals for you

    FAQs of loan on kotak credit card:

    1. Do I need a Kotak bank savings account to apply for any Kotak credit card?
    2. No. You do not need a savings account to apply for a loan on credit card.

    3. I am a salaried employee but has just joined my current company. Can I apply for your credit card?
    4. You can if you submit recent salary slips as well as reference letters from your previous and current employers.

    5. My pan card do not have my current residential address. Can I still submit that as my ID?
    6. Yes, you can. But you should also submit another ID or papers that bear your current address.

    7. What should I submit as ID proof?
    8. Once you have a Kotak credit card, you need no documentation to apply for a loan on credit cards.

    Loan on Kotak Bank Credit Card Reviews

    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Kotak mahindra platinum bank credit card for an while,they have not charged me annual fee in this card, as it is life time free credit card, and i am happy with the credit limit they have given me in this card, and they have not giving much good offers, only for shopping this card is useful.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card has been smooth and there has not been any delay in getting this card. But they had given me with a credit limit of 15,000 which is very less. They had not explained me with the benefits and the features with the card. I have not started using the card yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 21, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using Kotak mahindra bank for last 6 months for credit card , There is annual charges for the card which gets waived off after using certain limit . Am not that much satisfied with the customer service as its been delayed to resolve the query . This card hold benefits of surge charge waiver and i can convert my payments in to EMI through their mobile application without calling the customer service .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The reason for choosing Kotak mahindra credit card for good offers,like they have provided me good offers in everything, they have charged me annual fee in this card or not i have no idea, i need to check that, and i am not happy with the credit limit they have given me in this card, and the card came on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last one year and the services which they had been providing so far has been quite good. They had given me with a good credit limit and there has also been some good benefits in holding this card. I had been using this card for shopping and all other purchases.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      They have charged annual fee up to 599 rupees,but there is waived off available,like if i spend certain amount then my annual fee will get waived off,and i am not happy with the credit limit they have just given me up to 30,000 which is too less,and even there offer system is not good, and there transactions are not immediate updated in portal,they take 4-5 days to referred in account.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The experience in getting this card was nice, and there has not been any delay in getting this card. The credit limit which they had given with this card has been good and there is also some good benefits which comes with this card. There is some annual charges with this card and i have started using this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Kotak mahindra credit card is good, they have given me sufficient credit limit up to 1,75,000 rupees,and the best thing in this card is that if anything in purchase i can converted in to emi they do not charged any emi charges,like i purchase for 50,000 ,i convert into emi for an year ,for 3 month they are not charging extra charges,there is no pre closure charged they ask me if i close loan soon.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I bank with KOTAK MAHINDRA BANK , they offered very low credit limit i was expecting more limit with this card . I have KOTAK MAHINDRA PVR credit card . I use this card for online as well offline . I ma holding this card for past 2 year and the services is pretty good with this card .
      Was this review helpful? 0
      , greater noida
      Reviewed on Jan 20, 2019
    • Kotak Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      The reason for choosing Kotak mahindra credit card for an offers,like they providing good in shopping in on line products, because they give good offers i took this card, and they have not charged me annual fee in this card, as it is life time free credit card, and i am very happy credit card,and there was no delay and issue in getting card, the card on time.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Nice experience"
      0.5 4.5/5 "Excellent!"
      Kotak Mahindra Bank has offered me a credit card and there are no charges taken for the card. The credit limit is good. The customer support is fine and they are responsive when I reach out to them. The credit limit is also fine. I had no hassles in the process to receive the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this card has been a little delayed and the card delivery has been late as well. The Credit Limit is good they had explained me with the benefits and features with this card. There is an annual charge with this card, but it will get waved off as per the usage. I have started using the card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      The reason for choosing Kotak mahindra bank credit card was for the service ,but i am not happy credit limit,they have given me too less,they have given me up to 30,000 ,they have not charged me annual fee in this card,as it is life time free card,they have offers is good,i got my card on time,documentation part went smoothly, because i am already existing account holder for kotak bank ,they already have all my documents.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank is also good in the credit card services. There are no issues to get the card. The customer services and response is good. The process is normal and I got the card without any delay. The online banking is good and very convenient.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Am using Kotak credit card for almost 3 years, Previously I had a salary account with them so they have issued me a credit card. The credit limit was satisfactory. They don't charge annual fee. I can convert the outstanding payments into EMI but have not done it. There are some offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Response is good"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with Kotak Mahindra Bank. The process was good and the process was also taken on time. The credit limit is good, but I expected a limit and it is a life time free card. The customer services and response is satisfactory. Overall no hassles.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Good services"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank is doing good in the savings account. There are no issues in the online banking system. The customer services and response is good and there are no issues till date. The transfers online are also smooth and easy and there are no charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 3.5/5 "Pretty good"
      I hold a kotak credit card and i am pretty much happy with the services. When it comes to the limit , it is not that impressive. There are annual charges on this card and also the Kotak App looks like tricky. Offers are very less in Kotak and they can make their Kotak App quite user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "Good Customer Support"
      0.5 5.0/5 "Blown Away!"
      Initially it was paid card then I about to surrender it , then I got a call from customer support, they asked my queries and I told I want to convert as a life time free credit card. They immediately changed it. I am very much happy with Kotak Mahindra from that time onwards its became life time free card,
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2019
    • Kotak Credit Card
      "They need to improve"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with KOTAK MAHINDRA Bank. The credit limit is fine and it is not up the mark. The customer support is not satisfactory.The customer service is average. The process is not that good i am not happy with the services . There was delayed in getting statement .
      Was this review helpful? 2
      , chandigarh
      Reviewed on Jan 18, 2019
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