Kotak Mahindra Bank Credit Card Benefits In Hindi

Kotak Mahindra Bank Credit Card Benefits In Hindi: Kotak Mahindra Bank was established by Uday Kotak in 1985. Kotak Mahindra Bank is headquartered in Mumbai. The name of the bank was changed to Kotak Mahindra Finance Limited in the year 1986. The license was issued to the finance company by the Reserve Bank of India in the year 2003 to carry on banking business. It has a network of 2169 ATMs and 1369 branches across the country. In the year 2018, it was the second largest private bank in India. In the year 2015, Kotak Mahindra Bank acquired ING Vysya Bank.

Kotak Mahindra Bank deals with deposits, investment financing, finance against securities, corporate finance, bill discounting and retail finance. They also deal with credit cards and have a wide range of credit cards to suit the needs of customers of every income segment.

If you need a good credit card to meet your daily needs then opt for Kotak Mahindra Bank Credit Card. The bank offers around 20 great options. Read on to know more about reward points, offers, discounts and deals on your Kotak Mahindra Bank Credit Card before choosing one.

Features of Kotak Mahindra Bank Credit Card

  • Pay bills through Reward Points: The accumulated Reward Points can be used to pay off outstanding credit card bills.
  • Conversion to EMI Option: The card lets you convert your high-value purchases into EMIs and make payments in easy installments.
  • Balance Transfer: Outstanding balances from other bank cards can be transferred to Kotak Mahindra Card at lower interest rates and paid back in easy installments.
  • Lost Card Liability Cover: Lost Card cover up to Rs 2,50,000/- is available before 7 days from the date of reporting the loss/theft of the card. Transactions on the Card are not billed to you after the loss is reported from anywhere in the world and you are not liable for such transactions.

Kotak Mahindra Bank Credit Card Benefits (Kotak Mahindra Bank Credit Card Benefits in Hindi)

Below are the benefits of Kotak Mahindra Bank Credit Card:

  • Global Acceptance: The major advantage of the card is its worldwide acceptance. This makes payment of your expenses abroad very convenient.
  • Cashback & Discount: There are cashback facilities for spending on credit cards for select categories of purchases. Many merchants offer special discounts on spending on these cards.
  • Flyer Miles: If you are a frequent flyer you can earn Flyer Miles with every ticket purchase. Flyer points can be set against the purchase of another ticket upon accumulation.
  • Reward Points: With a credit card, you get reward points for every spend that can be redeemed to buy other items.
  • Credit Score: Credit cards have dual benefits. It increases the availability of finance for your expenses and also enables improvement in your credit score thereby helping you build a credit history which is good enough to avail high-ticket loans for any heavy investments in the future. very necessary. Payment of credit card bills on time will help in improving your credit score.

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Kotak Mahindra Bank Credit Card Types and Benefits in Hindi – Kotak Mahindra Bank Credit Card Types and Benefits in Hindi

Owning a credit card to handle your day-to-day expenses is a financial necessity and is no longer a status symbol. Kotak Mahindra Bank has credit cards for various expenses like shopping, travel, dining, movie tickets etc. The rewards and discounts that come with the range of cards can really tempt you to own the card.

Following are the types of Kotak Mahindra Bank credit cards benefits

1. Kotak 811 Credit Card

  • Joining Fee: Rs 500
  • Annual Fee: Rs.500

1. Benefits of Kotak 811 Credit Card:

Easily convert heavy purchases into affordable EMIs. It’s time to earn and spend in ‘rewards’

2. Reward Points

Earn 2 reward points for every Rs 100 spent online

Earn 1 reward point for every Rs 100 spent offline

3. Welcome Offer

Spend Rs 5000 and get 500 bonus reward points within the first 45 days of card issuance

4. Annual Fee Waiver

Annual fee of Rs 500 waived for spending Rs 50,000 in the previous anniversary year

5. Milestone Spending Benefits

Spend Rs.75,000/- in a year and get 4 free PVR tickets or cashback of Rs.750/-.

6. Fuel Surcharge Waiver

1% fuel surcharge waiver is applicable on transactions between Rs 500 and Rs 3,000. Avail maximum fuel surcharge waiver of Rs 3,500 per calendar year.

7. Railway Surcharge Waiver

Save Railway Surcharge 1.8% for transactions at www.irctc.co.in and 2.5% for transactions at Indian Railways booking counters.

8. Card Insurance Cover

If your credit card is stolen, you need to do pre-reporting within 7 days, which provides a cover of Rs.50,000/- against fraudulent use of this card.

2. NRI Royale Signature Credit Card

  • Joining Fee: Rs.0
  • Annual Fee: Rs 1,000

Benefits of Royale Signature Credit Card (NRI Royale Signature Credit Card Benefits in Hindi)

1. 2 rewards on international spend

  • Earn 2 rewards when you spend outside India; That is, get 2 reward points for every 200 rupees spent.
  • Get 1 reward point for every Rs 200/- spent in India
  • Accumulate your Reward Points and redeem them across multiple redemption options like movie tickets, air tickets, cash and more.
  • 1 reward point = Rs.1/-

2. Freedom to buy and pay in Rupees

  • When traveling to India, save on the hassle of mark-up charges on your credit cards issued outside India or currency exchanges
  • Enjoy the benefit of paying in Indian Rupees for your Shopping, Travel & Dining

3. Fuel Surcharge Waiver

  • Applicable on transactions between Rs.500 to Rs.3000.
  • The maximum fuel surcharge exemption allowed in a calendar year is Rs.3500.

4. Railway Surcharge Waiver

Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions at Indian Railways booking counters. The maximum railway surcharge exemption allowed in a calendar year is Rs.500/-.

5. NRI Royal Shield

In case your credit card is lost, you will be liable to pay Rs. 2,50,000/- cover is available.

6. Gift Add-on Cards

  • Gift an add-on card to your spouse, parents or children (above 18 years) and extend the benefits of the NRI Royal Card to your loved ones.
  • Add-on card will be issued irrespective of location or citizenship status

3. Urbane Gold Credit Card

  • Joining Fee: Rs.0
  • Annual Fee: Rs 199

The benefits of Urban Gold Credit Card are mentioned below:

1. Reward Points

  • Earn 3 reward points for every Rs.100/- retail spend
  • The redeemable value of every 1000 Reward Points is 100/-.
  • Minimum 1000 points required to redeem

2. Urban Shield

If your credit card is stolen you must immediately call the customer contact center (1860 266 2666) and get your card deactivated/blocked to prevent misuse

3. Add-on Card

  • Your add-on card will have all the benefits you get on your card
  • Set the spending limit on your add-on card as you wish
  • Track individual spend for each of your add-on cards

4. Milestone Feature

Spend Rs 1,00,000 in a year and get 4 free PVR tickets or 10,000 reward points

5. Redemption Option 1:

  • PVR tickets can be used on any day and for any show and are transferable
  • Star pass code will be issued which can be redeemed for online PVR movie ticket booking at www.pvrcinemas.com.
  • You can claim your PVR ticket within 3 months of the end of the program

6. Redemption Option 2:

  • Reward points will be credited in the next billing cycle
  • Reward points can be used for multiple redemption options like airtickets, movie tickets, mobile recharge/branded merchandise.

4. Privy League Signature Credit Card

  • Joining Fee: Nil
  • Annual Fee: Rs 2,500*

1. Rewards Program Program (Paid Card)

For every Rs 100 spent on the credit card, 5 reward points are earned for specific categories and 2 reward points on other retail spends.

shoppers plan

  • Earn 5 Reward Points on select categories like Apparel, Grocery, Consumer Durable, Multi-Brand Online and Departmental Stores
  • Earn 2 reward points on all other retail spends

Travelers Plan

  • Earn 5 Reward Points on select categories like Airlines, Hotels, Duty Free, International Spending and Travel Agencies
  • Earn 2 reward points on all other retail spends
  • Each reward point is worth 25 paise

2. Rewards Program (Free Card)

For every Rs 100 spent on the credit card, 5 reward points are earned for specific categories and 2 reward points on other retail spends.

shoppers plan

  • Earn 5 reward points on select categories like apparel, jewelry, consumer durables, restaurants, departmental stores
  • Earn 2 reward points on all other retail spends

Travelers Plan

  • Earn 5 reward points on select categories like airlines, hotels, restaurants, international spends and travel agencies
  • Earn 2 on all other retail sales

3. Priority Pass

  • With a complimentary PriorityPass membership and 4 free travels, you get VIP access* to over 1300 VIP lounges in over 148 countries and 600 cities around the world.
  • Enjoy complimentary refreshments, free internet access and a relaxing atmosphere to make your wait at the airports that much more comfortable.

4. Travel with ease

Get 2 complimentary visits every quarter to Dream Folks Lounge in India only.

5. Fuel Surcharge Waiver

Save 1% fuel surcharge across all petrol pumps in India*

6. Railway Surcharge Waiver

Avail Railway Surcharge Waiver of 1.8% to 2.5% when you book tickets on www.irctc.co.in or through Indian Railways booking counters*

7. Attractive EMI Option

You can convert any purchase above Rs 2500 into easy EMI.

8. Low Interest Rate

You will enjoy a low monthly interest rate of 2.49% unlike other credit cards which charge 3.1% – 3.5%.

5. Corporate Wealth Signature Credit Card

Use your Kotak Corporate Wealth Signature Credit Card and get higher cashback amount

Build maximum interest-free funds for a period of 48 days, similar to overdraft facility on credit cards

  • Joining Fee: Rs.0
  • Annual Fee: Rs.0

Benefits of Corporate Wealth Signature Credit Card

  • Earn more : Earn higher cash back when you spend through your Kotak Corporate Wealth Signature Credit Card.
  • Interest Free Funds: Build as much interest free funds as possible for a period of 48 days, similar to overdraft facility on credit cards.
  • Hassle Free Spending: Eliminate the inconvenience of carrying cash as your corporate expenses are payable by the company.
  • Fuel Surcharge Waiver: Applicable on transactions between Rs.500 to Rs.3000.
  • The maximum fuel surcharge exemption allowed in a calendar year is Rs.3500.
  • Railway Surcharge Waiver: Save Railway Surcharge Waiver for transactions on www.irctc.co.in and for transactions at Indian Railways booking counters. The maximum railway surcharge exemption allowed in a calendar year is Rs.500/-.
  • Easy Redemption: Redeem your points every quarter by calling the customer care desk and the cash discount will be credited to your next billing cycle.
  • Airport Lounge Access: Get 2 complimentary visits every quarter to Dream Folks Lounge in India only.
  • Universal Acceptance: Swipe this International Signature Corporate Credit Card worldwide as it reaches 10 million merchants worldwide
  • Ease of Spending: Use your Kotak Corporate Wealth Signature Credit Card for various business related spending opportunities such as sales meets, association meetings, conferences and business and executive meetings.

6. Fortune Gold Credit Card Features

  • Joining Fee: Rs.0
  • Annual Fee: Rs 199
  • Easy access to cash at Kotak and other Visa ATM ATMs.
  • Easy transfer of cash and funds to the branch.
  • Online fund transfer and demand draft facility
  • Interest free cash withdrawal up to 50% of the credit limit. Interest free facility is available for 48 days and a fee of Rs.199/- will be charged for every 10,000/-.
  • Fuel surcharge waiver and railway ticket surcharge waiver available.
  • 7 days prior to reporting of loss cover is available for transactions up to 50,000/- for lost/stolen cards.
  • Add-on card facility is available.

7. Corporate Platinum Credit Card

  • Joining Fee: Rs.0
  • Annual Fee: Rs.0

Features and Benefits of Corporate Platinum Credit Card

  • Fuel and railway surcharge waivers are available.
  • You can get airport lounge access with the Visa Airport Lounge offer.
  • The payment on the card is done by the corporate and hence there is no need to worry about late payment.
  • The company gets the facility to budget and save.
  • The spending patterns by the employees can be tracked.
  • The company may have control over expenses.
  • An overall limit has been set for the company which the company can distribute among the employees as per the designation.
  • One payment for all expenses of all employees.
  • The card is global, except that it allows for hassle-free spending without foreign currency.
  • Free SMS alerts on all transactions.

9. Corporate Gold Credit Card

  • Joining Fee: Rs.0
  • Annual Fee: Rs.1000

Features and Benefits of Corporate Gold Credit Card

  • The overall limit has been fixed for the company which the company can distribute among the employees as per the designation.
  • The spending patterns by the employees can be tracked.
  • The payment on the card is done by the corporate and hence there is no need to worry about late payment.
  • The company gets the facility to budget and save.
  • One payment for all expenses of all employees.
  • The card is global, except that it allows for hassle-free spending without foreign currency.
  • Free SMS alerts on all transactions. Fuel and railway surcharge waivers are available.
  • With Visa Airport Lounge Offer you can get airport lounge access

10. White Reserve Credit Card

  • Joining Fee: Rs 12,500
  • Annual Fee: Rs 12,500

Features and Benefits of White Reserve Credit Card

  • Earn White Pass value up to ₹ 2.5 Lakh per annum
  • Access special events and experiences with the Luxury Lifestyle Concierge
  • Unlimited global airport lounge access for primary and add-on card holders

11. Veer Platinum Credit card

Features and Benefits of Veer Platinum Credit Card

  • Earn 3X Reward Points for
  • Every Rs 200 spent on Dining, Movies, Departmental Stores and Grocery
  • Spend Rs.500 and get 500 reward points within the first 30 days of card issuance
  • Annual fee waiver on expenditure of Rs.50,000 per annum
  • Joining Fee: Rs.0
  • Annual Fee: Rs 299

Kotak Mahindra Bank Credit Card Rewards Details

The table below shows the rewards details of Kotak Mahindra Bank Credit Card

card name reward
Royal Signature Credit Card Earn 4X Rewards for every Rs.150/- spent on the card for all categories
2x reward points for all spends other than special categories
Earn 4x Reward Points for spending on specific categories like Hotels, Restaurants, Tour Operators, Travel Agents, Airlines, International Spending.
Earn 30000 Reward Points on annual spend above Rs.8.00 Lakh
PVR Gold Credit Card Get 1 free PVR ticket on spending Rs.10,000 in a month and 2 free PVR tickets for Rs.15000/- in a month.
The value of the free ticket is 400/- and anything above 400/- will have to be borne by the cardholder.
Urbane Gold Credit Card 3 reward points for every 100 spends.
The redemption value of every 1000 Reward Points is 75/- and a minimum of 1000 points is required for redemption.
Earn 10000 Bonus Points for 4 PVR Tickets on an annual spend of 1.00 Lakh
League Platinum Credit Card Movie voucher worth Rs.500/- as welcome gift
Up to 8x Reward Points for every 150/- spent on all categories of purchases
2.00 Lakh for annual spend up to 4x points on all categories other than special categories and up to 8x points on special categories like Travel Agencies, Dining, Airlines, Travel Operators etc.
8x reward points for annual expenditure of more than 2.00 lakhs for special categories and other than special categories.
PVR Platinum Credit Card Shop anywhere in India and get 2 free PVR movie tickets for Rs 10000/- and above in a month.
Essence Platinum Credit Card 10 reward points for every 100/- spent in departmental stores for transactions between 1500/- to 4000/-
1 reward point for every 250/- spent on other categories
Get 6 free PVR tickets or 1200 reward points for spending 1.25 lakhs in 6 months.
Privy League Signature Credit Card Earn 5x Reward Points for every 100/- spend
Earn 2x Reward Points on all retail spends other than special categories.
Earn 5x Reward Points on exclusive categories like jewellery, apparel, consumer durables, restaurants, travel agencies, airlines and hotels.
10000 Bonus Points on Annual Spending of 4.00 Lakh
20000 Bonus Points on Annual Spending of 8.00 Lakh
Aqua Gold Credit Card 750/- or get cashback of 4 PVR tickets on an annual spend of 1,50,000/-
Delight Platinum Credit Card Get 10% cashback on minimum spend of 10000/- on meals every month.
Cashback up to a maximum of Rs.600/- on spending up to Rs.4000/- on Dining and Movies.
Get 10% cashback on spending 10000/- per month on movies.
75-/- cashback or get 6 free PVR tickets on spending 1.25 lakh in 6 months.
Fortune Gold Credit Card 750/- or get cashback of 4 PVR tickets on an expenditure of Rs.1,50,000/- in a year.
Solaris Platinum Credit Card Enjoy 5x Reward Points on every Rs.150/- spend online.
2x Reward Points for every 150/- on spends other than online.
No reward points will be available on fuel and railway transactions.
2500 bonus points on the first transaction within 60 days of card activation.
Earn 4000 Bonus Points on Annual Spending of 2 Lakhs
Earn 1000 Bonus Points on an annual spend of 4 lakhs.
Silk Inspire Credit Card Earn 5x Reward Points for every 100/- spent on apparel. Minimum retail spend in one billing cycle should be 7500/-
1 reward point for every 200/- spent on all other categories
Spend 1.25 lakhs in 6 months and get 4 PVR tickets or 1000 points.
Corporate Wealth Signature Credit Card High cashback facility is available.
Privy League Signature Credit Card 5x Reward Points for every 100/- spent on particular categories and 2x Reward Points for every 100/- spent on all other categories.
5X reward points on categories like grocery, consumer durables, apparel, departmental stores, travel agents, airlines, hotels and multi-brand online spends.
2x reward points on all other spends
1000/- per month, 4 PVR movie tickets for that quarter.
7000 Bonus Points on an annual spend of 3.00 lakhs.
30000 Bonus Points on Annual Spending of 8.00 Lakh
NRI Royale Signature Credit Card 1 reward point for every 200/- spent within India
2x Reward Points for every 200/- spent abroad.
Feast Gold Credit Card You earn 10 Dining Points for every 100 spends on Dining and Movies spent of 5000/- or more within a billing cycle.
Corporate Platinum Credit Card High reward points on all spends.
Corporate Gold Credit Card High cashback rewards for all spends.

Kotak Mahindra Bank Card Fees Details

Given below is the card fee details of Kotak Mahindra Bank Credit Card:

card name joining fee Annual Fee
royal signature credit card Zero 999/- (rebate on annual expenditure of 1/- lakh)
Urban Gold Credit Card Zero 199/-(rebate allowed on annual expenditure of 15000/-)
PVR Gold Credit Card Zero 499/-
league platinum credit card 500/- 499/- (Discount on Annual Retail Expenditure of 50000/- in a year)
Wealth Management Infinite Credit Card Zero Zero
privy league signature credit card Zero Zero
PVR Platinum Credit Card Zero 999/-
Essentia Platinum Credit Card 1499/- 749/-
aqua gold credit card Zero Zero
fortune gold credit card Zero Zero
Delight Platinum Credit Card 1999/- 299/-
Solaris Platinum Credit Card 500/- 500/- (rebate on annual expenditure of 75000/-)
privy league signature credit card Zero 2500/-
best price credit card Zero Zero
Silk Inspire Credit Card 599/- 599/- (rebate on annual expenditure of 125000/-)
Corporate Wealth Signature Credit Card Zero Zero
NRI Royal Signature Credit Card Zero 1000/-
Corporate Platinum Credit Card Zero 999/-
first gold credit card Zero 499/-

Kotak Mahindra Bank Card Charges Details

Given below are the charges details of Kotak Mahindra Bank Credit Card:

name of charges Zodiac
interest on card balance 3.5% per month
Cash Withdrawal / Cash Advance / Fund Transfer Charges 300/- per 10,000/-
check bounce charges 500/- per instance
forex mark-up fee up to 3.5%
Charges for Cash Payment at Branches 100/-
card replacement fee 100/-
copy of CIBIL report 50/-
late fee
For statements with arrears less than or equal to 500/- 100/-
For statement of outstanding amount between 501/- to 10,000/- 500/-
For statement outstanding above 1000/- 700/-

How to Apply for Kotak Mahindra Bank Credit Card?

Steps to apply for the card through the official website of the bank

If you are a new customer then you need to follow the following steps to apply for the card online.

  • Visit the official website of the bank.
  • Go to the web page and select the type of card you want to apply for.
  • You have to provide personal details like name, mobile number, email id, employment details, income details and contact address.
  • Click on Proceed button
  • An OTP will be sent to your registered mobile number which has to be mentioned in the given slot. Once this is done you will get a call from an executive of Kotak Mahindra Bank who will give you the details of the documents to be submitted.
  • The process will be initiated after the submission of the document.
  • On approval, the card will be sent to your registered address.

If you are an existing customer then you need to follow the following steps:

  • Visit the official website of the bank.
  • Go to the credit card page and select the card type and click on Apply Now
  • You will have to provide your Customer ID and Mobile Number.
  • An OTP will be sent to your registered mobile number which will have to be entered in the given slot for confirmation.

Eligibility Criteria for Kotak Mahindra Credit Card

Following are the criteria that one has to follow in order to qualify for Kotak Mahindra Credit Card.

  • The age of the applicant should be between 21 years to 75 years and the age of the add-on cardholder should be above 18 years.
  • Applicant should be resident of India except NRI Royal Signature Credit Card.
  • The applicant for Wealth Management Infinite Credit Card should have a Wealth Management banking relationship with the bank.
  • Applicants should be located in Bangalore, Chennai, Ahmedabad, Chandigarh, Delhi, Hyderabad, Mumbai, Kolkata and Pune.
  • The Fortune Gold Card is issued to merchants only.
  • The minimum annual income required for Solaris Platinum Card and League Platinum Card is 5.00 Lakhs and above.
  • The minimum annual income required for Royal Signature Credit Card is 24.00 Lakh and above.
  • The minimum annual income required for Fortune Gold Card, Urban Gold Card and Daawat Gold Credit Card is Rs.3.00 lakh and above.
  • Only NRE/NRO account holders are eligible for the NRI Royal Signature Credit Card. Applicant must be an NRI with a residential address in India.

Documents Required for Kotak Mahindra Bank Credit Card

The following documents are required for Kotak Mahindra Bank Credit Card.

  • Photo ID proof like Aadhar Card, Voter ID, PAN Card, Passport, Driving License, ID Card issued by Public Sector Undertakings, Government Organizations, Scheduled Commercial Banks, Bar Council to its members, Photo Debit/Credit Card only if The photo and signature are on the front of the card and not on the back.
  • Address Proof such as Aadhar Card, Voter ID, PAN Card, Passport, Valid Driving License and Utility Bill.
  • Castle check for signature proof.
  • Income proof like latest salary slip, Form 16, IT return, financial documents like balance sheet and profit and loss account.

Making Kotak Mahindra Bank Credit Card Payment

Credit card bill payment can be done in the following ways:

  • By giving auto-debit instructions from your savings bank account in Kotak Mahindra Bank.
  • By downloading the Kotak Mahindra Bank mobile app and following these easy steps.
  • Go to the home page of Kotak Mobile App
  • choose credit card
  • Select Credit Card Payments under Credit Cards
  • Select the account from which the payment is to be made
  • Enter the amount details and confirm the payment.

You can also pay through Kotak Mahindra Bank net banking facility if you are registered for the facility by debiting your Kotak Bank savings/current account.

  • Login to Net Banking Facility
  • Select Credit Card from the homepage
  • Select Payments
  • Click on Make Payment option.
  • Payment can be done through NEFT/RTGS. Under Beneficiary Account Option, you have to provide Kotak Mahindra Bank Card Number.

You can pay by cheque. Mention Kotak Mahindra Bank credit card number and drop the check at any Kotak Mahindra Bank drop box across cities.

Using Bill Desk, payment can be made through any bank net banking account.

Payment can also be made through cash deposit at any Kotak Mahindra Bank bank branches.

Kotak Mahindra Bank Credit Card Customer Care Numbers (Kotak Mahindra Bank Credit Card Customer Care Numbers)

You can contact the customer care helpline for any query on credit card by calling the following numbers:

1800-266-2666

1800-266-0811

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