You can withdraw cash/get an instant loan on your Credit Card in following ways:
1. You can withdraw cash from ATM by using your physical Credit Card and Credit Card PIN (similar to Debit Card withdrawal)
Cash advance fee for Fortune Credit Card is Rs. 199 + GST per Rs 10,000 or part thereof and for all other cards is Rs 300+GST per Rs 10,000 or part thereof
2. On Net Banking
Go to Credit Card > Value added service
Cash as Ease
OR
Go to Credit Card > Value added service
Cash Transfer to Kotak account
3. On Mobile Banking
Login to Mobile Banking
Go to Credit Card > Loan on Credit Card
For all above cash withdrawal on Credit Card Cash advance fee, interest and GST will be applicable.