Trump Benefits
- No interest, No fee for 3 months
- Easy & Instant - Just call us for EMI conversion
- Flexible - Convert any purchase above Rs. 5000/- into EMI
- First time ever 10% Cashback on Movies & Plays
- Anywhere
Multiplexes | Movie Halls | Theateres - Available all year round
- First time ever 10% Cashback on Food & Drinks
- Anywhere
Coffee Shops | Fast Food Joints | Pubs & Bars | Restaurants - Available all year round
- 2.5% Fuel Surcharge Waiver across all Fuel Pumps
- Railway Surcharge Waiver for offline & online transactions
- Processing fee or Rs.199/- flat.
- Continued interest free period on fresh retail purchases
- Easy & Instant - Just call us to transfer your balances
Trump Offers
- Enjoy the most tantalizing dining offers at Pizza Hut restaurants across the country.
- Get up to 40% off on Pizza Hut meals.
- Offer valid up to July 31, 2008.
- know more
- Make your experience at the movies twice as magical.
- Get a free ticket for your companion at www.pvrcinemas.com
- Offer valid up to July 31, 2008.
- know more
- Get the best of what life has to offer
- Get up to 25% off on www.travelguru.com
- Offer valid up to July 31, 2008.
- know more
Minimal Charges Simplified for You
- Just 5 Charges
- Other's Complicated Fees
- Kotak Flat Fees
- Late Payment Charge
- Range Rs. 300/- to Rs. 600/- with 30% of Minimum Amount Due
- Rs. 350/-
- Over Limit Charge
- 2.5% on over limit amount (subject to a minimum of Rs. 500/-)
- Rs. 500/-
- Cheque Bounce Payment
- 2.5% of amount or Rs. 250/- whichever is lower
- Rs. 300/-
- Cash Withdrawal /
Call a Draft /
Fund Transfer - 2.5% or Rs. 250/- to Rs. 300/- whichever is higher
- Rs. 199/-
- Foreign Currency Mark Up
- 3% to 3.5%
- 3.50%
Kotak No Charge Advantage
- Other Charges
- Other Credit Card Charges
- Kotak Credit Card Charges
- Balance inquiry at other ATMs
- Machine surcharge at ATMs
- Duplicate statement request charge
- Lost card replacement charge
- Charge slip retrieval charge
Eligibility
- Primary Card holder should be 21 years and above. Add-on Card holder should be 18 years and above.
- Location – Ahmedabad, Bangalore, Chandigarh, Chennai, Coimbatore, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune.
- Income – Rs. 1.8 lakh and above per annum
- Should be a resident of India
Trump Value Chart
- Your Spends
- Monthly
- Annually
- Kotak Benifits
- Your Savings
- Dinner for two
- 1500
- 18000
- 10% Cashback
- 1800
- Movies for two
- 1000
- 12000
- 10% Cashback
- 1200
- Pubs & Discos
- 500
- 6000
- 10% Cashback
- 600
- Fuel Surcharge Waiver
- 2500
- 30000
- 2.5% Surcharge Waiver
- 750
- Zero Charge EMI
(12% Rate & 2% Processing Fee) -
- 20000
- 0% Interest & Zero processing Fee
- 1000
- Your Total Savings
- 5,350
FAQs
Why should I select a Kotak Credit Card?
Kotak Credit Cards symbolize the following guiding principles:
Simplicity
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Transparency
Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.
Relevance
Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit Card!
Whom has the Trump Gold Card been designed for?
The Kotak Trump Gold Card has been specifically designed for salaried segment. We have kept in mind the major spend areas for you, such that we give you the most relevant benefits & you can derive the maximum out of it.
What type of Card is Trump?
The Kotak Trump Card is a VISA Gold Card.
Why should I choose a Trump Card? Are there any specific benefits that I get?
Only Kotak Trump Gold Card offers you a unique every time & every where advantage - 10% cashback on dining & entertainment. We give you the freedom to choose the restaurant you wish to dine at it or a movie theatre you like to go to and avail of the cashback every time you use the Kotak Trump Gold Card.
Besides this, enjoy a complete fuel surcharge waiver at any pump, complete railway surcharge waiver & exciting EMI & BT plans that no one else offers
What is the Annual & Joining Fee for this Card?
There is no annual or joining fee for the Kotak Trump Gold Card. Kotak Trump Gold Card are free for life.
Is this Card valid internationally?
Yes, this Card is valid internationally.
Do I enjoy any interest free period on retail?
Yes, you enjoy an interest free period on retail transactions of up to 48 days.
Do I enjoy any interest free period on cash?
The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.
What is the interest Rate that is applicable to me?
The interest applicable to you is 3.1% per month.
When do you charge me a Mark Up?
A Mark up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up.
When do you charge me an over limit charge?
If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs 500 in each billing cycle that you are over limit.
When do you charge me a late payment fee?
If in a billing cycle your payment received till the payment due date is lesser than MAD it will attract a flat late payment charge of Rs 350 in the next billing cycle.
How is the interest calculated on cash?
Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest)
Daily rate of interest = (Monthly interest rate) * 12/365
Daily rate of interest = (3.1%) * 12/365 = 0.1019%
Am I entitled for an Add-on Card?
Yes, Add-on Cards are available on Trump Gold Card for a one time fee of Rs 149 per Card.
Are all the Trump features available on the Add-on Card?
Yes, all Trump features can be availed by the Add-on Card holder.
Will the Add-on Card holder get a separate cashback?
The monthly cashback limit of Rs 800 has been set up for the Primary & Add-on Cards combined. Hence, the Add-on Card holder will not get any separate cashback.
Is there a rewards program on Trump Gold Card?
There is currently no rewards program on the Trump Gold Card.
Where all can I avail of 10% Cashback?
10% Cashback is offered to the customers on Restaurants & Entertainment MCC (Merchant Category Codes) as defined by VISA. This would also include Bars, Pubs & anything else classified under Restaurants MCC. Entertainment would include Movie and Play theatres. Cashback is specifically not offered on Hotel MCC as specified by VISA.
Would that also include coffee shops & pizza outlets like Café Coffee Day, Barista or Dominos etc?
Yes you can avail of the cashback if the coffee shops & pizza outlets are mapped under the Restaurant MCC in VISA mapping. As per VISA data majority of coffee shops and pizza outlets are identified as under Restaurant MCC and hence the customer will enjoy a 10% Cashback.
Would that include eating joints at Shopping Malls like Spencer’s, Big Bazaar etc?
Restaurants within Malls & Department store are mapped as malls; hence no cashback will be earned on them.
Will this include all restaurants, bars and pubs in hotels?
Hotels are strictly barred from any cashback. For e.g. If a customer eats at TAJ or ITC Grand Maratha they will not receive cashback.
Is this cashback applicable to Multiplexes only?
It is available at all outlets mapped under ’Entertainment’, so apart from Multiplexes all theatres etc are also included in the cashback.
Which Multiplexes are included in the offer?
As given above all Multiplexes under Entertainment are included in this offer.
Can this be combined with any other offer the multiplex may be offering?
Yes, it can as we will be providing cashback on the amount once the customer is billed.
What play theaters are included in this offer?
All play theaters are mapped under Entertainment MCC & hence the customer will enjoy a 10% cashback at all places.
Will this also cover payments I make for movies and theater through the internet?
If you book the tickets from a 3 party website e.g. Book My Show, you will not be earning any cashback if they are not mapped under Entertainment MCC. However if you book on the website of a particular multiplex etc www.pvrcinemas.com, you will be entitled for 10% cashback.
What is the maximum transaction amount in a single swipe for which I can earn cashback?
The maximum transaction amount for a single swipe is Rs 4000; hence the maximum cashback that a customer can earn in a single transaction is Rs. 400. If the transaction value for example is Rs 4500, you are not entitled for any cashback.
What is the maximum amount of cashback available to me?
The maximum cashback that you can earn in a month is Rs 800. Once this limit is exhausted, you will not be entitled for any more cashback on dining & entertainment in that month.
How & when will the cashback appear in the statement?
Cashback would appear in your statement following transaction date. You will be billed the complete transaction amount and the cashback would appear as a credit entry.
Under what circumstances will I not earn cashback?
You will not enjoy any cashback in the following scenarios -
You have continuously defaulted on your last three payments due.
You have already exhausted the monthly limit of Rs 800.
Where is the waiver valid?
Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but Kotak Trump Card will offer the customer fuel surcharge waiver across all domestic petrol pumps.
What is the minimum/ maximum transaction amount for a single swipe?
The minimum is Rs 400 and the maximum is Rs 4000 (applicable to all prodcuts).
What is the maximum fuel surcharge waiver that I can get on a single transaction?
The maximum transaction amount for a single swipe is Rs 4000. Hence the maximum surcharge waiver can be Rs 75.
Is there any monthly or annual cap on how much surcharge can I earn?
No there is no monthly or annual cap on the surcharge that can be earned.
When is the waiver applicable?
On purchasing of rail tickets online the customer levied a 1.8% surcharge. Kotak Gold Card offers you a Railway Surcharge Waiver on this (applicable to all products).
Is the waiver applicable on the delivery charge?
No. There is no waiver applicable on the delivery charge.
What is the maximum surcharge waiver that I can get?
You can earn up to Rs 500 annually as Railway Surcharge waiver.
Is the waiver applicable at the ticket booking counters?
Yes, the 2.5% surcharge waiver is applicable at booking counters as well if you use your Kotak Gold Card to buy the tickets.
Is there a special service offered while canceling the tickets?
No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.