Kotak Mahindra Bank Credit Card Apply Online

Kotak Mahindra Bank credit cards are one of the best products offered by Kotak Mahindra Bank. Kotak Mahindra Bank credit cards come with various features and rewards to make the customers enjoy every transaction. Kotak Mahindra Bank also offers netbanking facility for the users to avail the services easily. Interested to know more about the Kotak credit cards? Read on.
Updated: Sep 03, 2019 12:02 IST
Kotak Mahindra Bank Credit Card Apply Online
Kotak Credit Card Credit Card. How to apply for a credit card, Kotak Credit Card Net banking, Check Eligibility, status, bill payment

Table of content

#1.Kotak Mahindra Bank Login

#2.Kotak Mahindra Bank credit card Payment

#3.Check Kotak Mahindra Bank Credit Card Application Status

Types of credit cards offered by Kotak Mahindra Bank

Each Kotak Mahindra Bank credit card has its own features. If one credit card satisfies the need of a customer, then the same one may not be useful another individual. Hence, Kotak Mahindra Bank has a wide range of different credit cards to fulfil the needs of all its customers. Following are the types of credit cards offered by Kotak Mahindra Bank. The cards are categorised according to its features

1. High Value Credit Cards

  • Royale Signature Credit Card
  • PVR Gold Credit Card
  • PVR Platinum Credit Card
  • Delight Platinum Credit Card
  • Essentia Platinum Credit Card
  • Silk Inspire Credit Card
  • NRI Royale Signature Credit Card

2. Low Fees Credit Card

  • League Platinum Credit Card
  • Urbane Gold Credit Card
  • PVR Gold Credit Card
  • Aqua Gold Credit Card
  • Solaris Platinum Credit Card

3. Commercial Credit Card

  • Best Price Credit Card
  • Corporate Wealth Signature Credit Card
  • Corporate Platinum Credit Card
  • Corporate Gold Credit Card

4. Rewards

  • League Platinum Credit Card
  • Urbane Gold Credit Card
  • Royale Signature Credit Card
  • Essentia Platinum Credit Card
  • Solaris Platinum Credit Card
  • Silk Inspire Credit Card
  • NRI Royale Signature Credit Card

5. Cashback

  • Delight Platinum Credit Card


How to Apply for Kotak Mahindra Bank credit card?

Online: Kotak Mahindra Bank Credit Cards can be availed by the customers through online. The customer should visit the official site of Kotak Mahindra Bank card. This banking website clearly shows us the variety of Kotak Mahindra Bank cards from which the customer can choose the one which is suitable for him / her. Kotak Mahindra Bank Credit cards can be applied through online by following the mentioned steps.

  • Step 1: Visit Kotak Mahindra Bank Card official website
  • Step 2: Select the desired card
  • Step 3: Click on ‘Apply Now’ and the customer will be redirected to an e-application page
  • Step 4: Fill up all the basic details such name, contact number, address, oCredit Cardupation, email address, PAN, date of birth etc
  • Step 5: The customer will receive an OTP to the mobile number mentioned in the application form. Enter the OTP to authenticate the application submitted by the applicant

After completing this form, the applicant will be asked to submit his documents. One of the executives from Kotak Mahindra Bank will arrive at the customer’s doorstep to collect the documents. If the applicant is eligible after the verification of their documents, Kotak Mahindra Bank credit card will reach them within a few days.

Offline: The application for Kotak Mahindra Bank credit card can be done offline also. The customer should visit the nearest Kotak Mahindra Bank branch along with the required documents to avail a credit card, meet a bank representative and share the requirements. The representative will show the customers the credit cards which will suit their needs and explain its features and benefits. If the client is satisfied, he/she has to fill up the application form and submit the documents. After document verification the customer will receive Kotak Mahindra Bank credit card within a few days.  

What is the Eligibility Criteria and Documentation Requirements to Avail a KMB Credit Card?

Eligibility Criteria:

The eligibility criteria varies depending upon the card chosen by the customer. Each KMB credit card has different features hence the customers should be eligible to avail the desired KMB credit card. It is safe to enquire about this to the representative before applying for the credit card. There are some conditions remain the same for all KMB credit cards. They are mentioned below:

  • The applicant must be minimum of 21 years old and maximum of 65 years.
  • The income criteria differ according to the features and specifications of the card. The minimum income required to get a regular Kotak Mahindra Bank credit card is INR 3,00,000 per annum.
  • The applicant should be a resident of India.
  • The applicant must have a decent credit score.
  • The applicant must be capable of providing all the necessary documents needed.

Documentation Requirements:

To apply for a Kotak Mahindra Bank credit card, you need to submit the following documents.The documents need to submitted by the customer as a proof that he/she is capable of availing a KMB credit card and paying off its bills at the end of the given time period. Following are documents which has to be submitted during the application process:

  • A copy of Aadhaar card
  • Address proof: Passport/ Driving Licence/ Voters ID etc.
  • Identity proof: Bank Statement/ Voter Id/ Driving Licence/ Pension Book etc.
  • Income Proof: Bank Statement/ Pay Slip/ Income Tax return
  • Pan Card
  • Passport size photo

Comparison Table for Kotak Mahindra Bank Credit Card

Each Kotak Mahindra Bank credit card offers unique benefits and different credit cards for fulfilling all your needs and lifestyle requirements. Kotak Mahindra Bank credit cards come with different reward schemes and cash back offers depending upon the credit card you pick. Fuel, Travel, Shopping, Premium are popular forms of the reward scheme. You can have a look at the range of rewards granted by Kotak Mahindra Bank credit card and choose which one would be suitable for your needs.

Name of Kotak Mahindra Bank Credit Card

Joining fee


Kotak Royale Signature Credit Card

  • Joining fee: Rs. 0
  • Annual fees: Rs. 999

(waived at an annual retail spends of Rs. 1 lac)

  • Complimentary membership of the Priority Pass program
  • Discount between 25 – 50 % at partner Taj hotels and restaurants
  • Save 2.5% on all transactions made at Booking Counters of Indian Railways

PVR Platinum Credit Card

  • Joining fee: Rs. 0
  • Annual fees: Rs.999
  • Get 2 free PVR movie tickets* every month on spends of Rs. 10,000 and above in a monthly billing cycle
  • 1 Free movie ticket on 750 spent at PVR cinema
  • Complimentary lost card liability insurance coverage

PVR Gold Movies Credit Card

  • Joining fee: Rs. 0
  • Annual fees: Rs. 499
  • Get 1 free PVR movie ticket* every month on Rs. 10,000 spent and above in a monthly billing cycle
  • Also, get 2 free PVR movie tickets* every month on spends of Rs. 15,000 and above in a monthly billing cycle.
  • Complimentary lost card liability insurance coverage

Kotak Essentia Platinum Credit Card

  • Joining fee: Rs. 1499
  • Annual fees: Rs. 749
  • Get 6 free tickets from PVR or 1200 reward points for spends over Rs. 1,25,000 within 6 months, under the “Milestone Feature”
  • 10% savings on departmental and grocery store spends

Kotak Delight Platinum Credit Card

  • Joining fee: Rs. 1999
  • Annual fees: Rs. 299
  • 10% cashback on all your Dinning & Movie spends
  • A maximum Cashback of Rs.600 per billing cycle

#1.Kotak Mahindra Bank Login

NetBanking helps the customers to enjoy convenient banking from home or office.Kotak Mahindra Bank card netbanking allows its users to have an access to their bank account 24x7 anywhere at anytime. It helps the user to manage all his bank transactions without visiting the bank’s branch office.

Benefits of using Kotak Mahindra Net Banking Service:

Many things has been made easy and convenient by the internet. The online banking service has been made comfortable for its customers. Kotak Mahindra Credit Card users can get the following benefits by registering their credit card for online banking services.

  • 24x7 access to account information: You can have access to most of the credit card related information and transactions from anywhere and at any time. It can be your last credit card transaction or 6 months old statement.

  • Safety and security: The most advanced security system is used by Kotak Mahindra to protect the transactions done using internet banking. With additional security features such as Dynamic access code, Digital Signature Certificate, Beneficiary Activation Code and other banks provide another layer of security for the net banking transactions

  • Access to online services: You can avail online services offered by the bank besides getting access to account related information. Service requests such as reporting lost/stolen credit card, credit card PIN generation, block credit card and lot more using your credit card net banking account can be raised using your online banking account.  

Registering for Kotak Mahindra Net Banking Online:

To activate Kotak Mahindra Bank net banking on Kotak Mahindra Bank card, a Kotak Mahindra Bank credit card holders needs to follow the below mentioned steps.

  • Visit Kotak Mahindra net banking page

  • Choose the option “Register for Net Banking” link at the bottom right of the page

  • You will be redirected to ‘Online Net Banking Registration & Password Generation’ page, which includes a 4 step registration process

  • In step 1, you have to enter your CRN/Customer ID, which is printed on your credit card below your name, and click on ‘Continue’. You can also receive CRN on your mobile, by sending an SMS ‘CRN’ to 9971056767 from your registered mobile number

  • In step 2, you will have to verify your details by answering any of the four questions displayed on the page. You will have to answer questions relating to your personal details such as your date of birth, mother’s maiden name, mobile number etc. Please make sure that your answers match with the ones in the bank records.

  • Now, you need to choose the method to generate your password. Select the third option which is Generate password via ‘Credit Card details’ and click on ‘Continue’

  • Enter your credit card number, CVV, expiry date and card PIN in the required fields before clicking on ‘Continue’

  • In the last step, you have to enter a new password of your choice. As per the instructions provided on the page, choose a 6 character password and enter it in the respective field. Re-enter the same and click on ‘Submit’

  • When the screen displays ‘Your Password has been reset’, you will receive a one-time password on your registered mobile number and email ID which should be combined with your six-character password to create a new one for your account.

After you receive the OTP, go to Kotak Mahindra net banking main page, enter your CRN and in enter the 12-character new password, the 6-character password chosen by you and the 6 character OTP received on your mobile, and click on ‘Secure Login’. Once you login to your account, you will be requested to change your password. You can now change the 12-character password with the one of your choice. Once the password is changed, you will be able to use the CRN and the changed password to login to your net banking account next time.

Offline Registering for Kotak Mahindra Net Banking:

If you do not have access to the internet can register for net banking by calling the customer care team at 1860 266 2666 or +91 22 6600 6022

Or else, you can also submit a duly filled in physical form ‘Channel access Request form’ either at the branch office or at any Kotak Mahindra bank ATM.

You can also send the filled in form through ordinary post to

Customer Contact Center,
Kotak Mahindra Bank Ltd.,
Post Box Number 16344,
Mumbai 400 013

#2.Kotak Mahindra Bank credit card Payment

Online: Paying the credit card bill on time will not affect the customer’s credit score. Kotak Mahindra Bank has made it very easy by allowing its customers to make Kotak Mahindra Bank credit card payment through online. It can be done from any place like from the office, home or on the go through mobile phone app. Kotak Mahindra Bank offers 9 different methods to pay the credit card bill through online. They are listed as follows. For further instructions the customer can contact the customer care service to get their doubts cleared.

WebPAY: You can make payments on your credit card from the comfort of your home or office using WebPAY. You can use any of your non-kotak mahindra bank savings account to make payments. More than 30 major banks are listed for this service.

To make the payment, follow these simple steps.


  • Enter your credit card details

  • Choose the bank account from which you wish to make the payment.

  • Confirm and receive an online confirmation and transaction ID.

IMPS: Through the mobile banking application, this service can be used. You can download the app and generate an MPIN to activate the app. Follow these simple steps to make the payment.

  • Login to the app and click on “Banking”.
  • Select IMPS and select Merchant Payment.
  • Enter your bank account number under “Source Account”.
  • Merchant Mobile Number - 9833336633.
  • Mobile Money Identifier (MMID) - 9485633.
  • Enter the amount payable.
  • Under Payment Reference Number field, enter your credit card number.
  • Click on Go and confirm your transaction.

You will receive the transaction details and an SMS confirmation once the transaction is done. It will take up to 24 hours to be processed.

Net Banking: You can register for the Net Banking facility provided by Kotak Mahindra Bank and make payments easily through the official online portal from your Kotak Mahindra Bank savings or current account. Once you login to your bank’s online banking portal, select Funds Transfer. It can take up to 24 hours to be processed.

Make Credit Card Bill through NEFT: You can make payments on your credit card from any other bank account through the National Electronic Funds Transfer. Login to your bank’s online banking portal and select Funds Transfer. Select NEFT and add Kotak Credit Card to your registered Payee List.

You can now enter the details for the transfer as follows:

  • Enter your 16-digit credit card number and Customer Name as the Payee Name
  • Select Account Type as 52 for NEFT
  • Select Kotak Bank
  • Select Location City as Mumbai
  • Enter the IFSC Code
  • The Branch Of Kotak Mahindra Bank Is The Main Branch Mumbai
  • Enter Payee Account No - Enter your correct 16 digit Kotak Credit Card Number

This payment may take 2-3 working days to reflect in your account.

VISA Payment: You can login to your online banking account and register your Kotak credit card for VISA Payment. This mode of payment is easy and convenient. It will take up to 2 to 3 working days to be processed.

Offline: Kotak Mahindra Bank also offers traditional and manual ways to its customers to pay the credit card bills. The clients can choose any mode to make their payment in a comfortable way. Kotak Mahindra Bank provides 5 methods to pay their Kotak Mahindra Bank credit card bills. For those who do not have access to the internet or simply prefer offline payment modes, can follow the below mentioned methods to pay their Kotak Mahindra Bank credit card bill.

Over the Counter - You can visit any Kotak Mahindra Bank Branch to make payments in cash. It will take just 24 hours to reflect in your account. This service is provided at a fee of Rs. 75 + service tax.

Drop boxes: If you choose to make payment by cheque, you can drop it off at any of the boxes available at ATMs and bank branches. The cheque has to be in favour of “Kotak Mahindra Bank Card A/c” followed by your 16-digit Card number. Only local cheques will be accepted. This mode of payment can take up to 5 working days for it to get processed.

Auto debit: Kotak Mahindra account holders can place an instruction with the bank to automatically pay your credit card bill every month. You can choose to pay the minimum due or the total amount from your bank account.This will never allow you to worry about payment due dates and late payment charges. You just  need to download the Auto Debit Form and send a signed copy by courier or fax to Kotak Mahindra Bank. You can also submit the form at the nearest bank branch. Your bank account should be a single account or a joint account with an 'any' or 'either' signing mandate.

Phone Banking: You can call Kotak Mahindra Bank customer care service and select the option of Banking. You can speak to a customer care executive and request a transfer to your Kotak Credit Card account. This mode of payment can be made only from your Kotak savings or current account. It will take up to 24 hours to reflect in your credit card account.

Fees and Charges on Kotak Mahindra Bank Credit Card

Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set up by the bank. For different cards depending on the schemes, the charges may vary. Annual fees is not refundable to the cardmember at the time of closure of the credit card.

Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad at any time. For each transaction, a fee of 3.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly bill. ATM transactions don’t get interest free period unlike other purchases.

Late Payment Charges: Late payment charges will be applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable

Statement Balance

Late Payment Charges

Less than INR 100


INR 100 to INR 500

INR 100

INR 501 to INR 5000

INR 500

INR 5001 to INR 10,000

INR 500

INR 10,001 and above

INR 700


#3.Check Kotak Mahindra Bank Credit Card Application Status

Kotak Mahindra Bank credit cards are one of the popular credit cards provided by private sector banks. Kotak Mahindra Bank offers credit cards in various categories including entertainment, shopping, travel, and dining with a wide range of benefits and features. Applicants also have an option to track the application status, once they have applied for credit card, either online or offline. It typically takes at least 21 working days to process your card. If you have already applied for a Kotak Mahindra credit card and would like to know how far your application has been processed the below guide will help you out. Tracking Kotak Mahindra credit card application can be done by using the online platforms and offline methods.

Step 1: Visit Kotak Mahindra Bank Card website www.kotak.com

Step 2: Under the ‘Explore Products’ tab, click ‘cards>credit card services’

Step 3: You will be redirected to the page where you can find ‘Application Status’ tab.

Step 4: Clicking on it will again redirect you to ‘Check Your Card Application Status’ page, where you can actually know your application status.

Step 5: Once you’re on the page, you have to enter either your application reference number or application form number and hit ‘Check status’ button.

The bank will reach you seeking clarity for the same. If it is resolved they will resume the application processing.

You will receive the status as soon as you are done checking it. It could either be in progress, on-hold, approved, dispatched or disapproved.

When the status says in progress means your application is still under progress and the bank needs some more time to process it.

An approved status appears when your card is approved and will reach you in soon. Please note that when your application is approved, your card will be dispatched soon. In that case, you will receive dispatched as your status. You will receive a SMS mentioning the expected time of delivery. Make sure you are available at the mentioned address as it will be handed over to the applicant only. You might be asked for any one of your original ID proofs to further validate your identity at the time of delivery.

Apart from this, you might also receive something like on-hold and disapproved. The on-hold status denotes that your application has been kept on-hold due to some reasons like failed document verification, need more documents to finish the process. You will likely receive a message or call from the bank.

Your application will get disapproved when you don’t meet the eligibility criteria set by the bank.

Offline: When you don’t have internet access, you can simply call Kotak Mahindra customer contact centre to get the details of your credit card application.For all the credit card related queries you can call 1860-266-2666 or +91-22-6600-6022, if you are calling from outside India.

Kotak also offers an SMS service to know the credit card application status. To avail it, you need to send an SMS in the below format K CC APP to 5676788 or 997 105 6767
You will receive an SMS with details of your application status.
You can also walk-in to the nearest Kotak Mahindra bank branches to track the status of your card.Make sure to have your application reference number of application number handy when you’re visiting the branch.

Kotak Mahindra Bank Customer Care Number

Kotak Bank credit card holders can contact the Kotak Bank credit card customer care for any unresolved query via call, email and SMS. Here are the details:

Kotak credit card customer care number: 1860 266 2666 (local call rates applied)

Kotak credit card customer care Email ID: Kotak credit card holders can submit their grievances or queries through a complaint form given on Kotak official website. Customers need to mention their registered email ID.

Kotak credit card customer care SMS: SMS to 9971056767 or 5676788 for knowing your credit card balance, due amount, last payment, etc.

City Contact Number
Ahmedabad 6600 6022
Allahabad 011 6600 6022
Chandigarh 0161 6500 6022
Bangalore 6600 6022
Chennai 6600 6022
Coimbatore 6600 6022
Goa 9522 6600 6022
Gurgaon 9511 6600 6022
Hyderabad 6600 6022
Indore 01166006022
Jaipur 6536 022
Jalandhar 95161 6500 6022
Kanpur 011 6600 602
Kochi 0422 6600 6022
Kottayam 0422 6600 6022
Kolkata 6550 6022
Lucknow 011 6600 6022
Ludhiana 65006022
Mumbai 6600 6022
New Delhi 6600 6022
Noida 9511 6600 6022
Patna 033 6550 6022
Pune 6521 6022
Surat 6600 6022
Varanasi 011 6600 6022
Rajkot 6600 6022

Kotak Mahindra Bank credit card - SMS number

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

About Kotak Mahindra Bank and Credit Cards

Kotak Mahindra is one of the leading Indian private sector banks operating in India earning a net income of Rs 15.69 billion. Established in 1985, Kotak Mahindra Bank initially started off as Kotak Mahindra Finance Limited and eventually became the first non-banking finance company to be converted into a bank. Kotak Mahindra bank caters to a wide spectrum of customers and offers a suite of financial products and services, including credit cards. Kotak Mahindra range of credit cards is very popular among users for the variety it offers in shopping credit cards, lifestyle credit cards, dining / entertainment credit cards, credit cards for NRIs, corporate credit cards and more.


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