Am I eligible for a Credit Card?

The eligibility criteria for a kotak credit card will vary for every applicant. However, there are some criteria that remain uniform and these include: For Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, Urbane Gold Credit card primary applicant must be in the age bracket of 21 – 65 years. For 811 Dream different Credit card, NRI Royale Signature Credit card the primary applicant should be in the age bracket of 18 years to 75 years. Must be an Indian resident Must be a salaried employee or self-employed (With income proof) Must meet the income requirement set by the bank Must be a resident of the serviceable locations within India

What are the steps to apply for a Credit Card?

Applying for a credit card is a fairly simple process. The steps to follow include: Clicking the "Apply Now" icon in the section of the credit card that you wish to avail Alternatively, you can visit the bank branch or get in touch with an official representative Submit applicant details such as name, age, birthdate, residential address, net income, PAN and others Must provide proof of personal documents, PAN Card, KYC documents, proof of address and proof of income or employment status Keep track of application status

What are reward points and how I can use them?

When you use your credit cards to purchase certain products, you can earn reward points. The amount of points you earn through a purchase will depend upon the category and the type of credit card held by the individual. Accumulated reward points can be redeemed against purchases made at selective merchant outlets or can be converted into Easy Points to be redeemed against Airline tickets, Mobile recharge, Movie tickets, Cash and Branded merchandise.

When can I redeem my reward points?

Reward points can be redeemed as soon as the point balance reflects in your credit card account. You must note that some reward points come with an expiry date. This means that they must be used within the stated time frame or they may become invalid. Thus, it is essential to carefully read through the credit card agreement and know of the validity and expiry of the reward points.

Can I use my credit card for international transactions?

Credit cards can be actively used for international transactions. However, you will incur a transaction fee that is known as Foreign Currency Markup Fee. The fee is about 3.5 % + GST. Additionally, you will have to contact the bank for enabling or disabling usage of your card at the time of international travel.