Key Features and Benefits of Kotak Credit Cards
The credit cards offered by Kotak come loaded with a range of features and benefits. Some of the most notable Kotak credit card benefits are as follows -
Get periodic bonus reward points based on the usage of your card.
Why pay the annual fee for the card when you can get it waived? Meet the minimum spending limit and get your yearly card fee waived.
Get gift vouchers across premium brands and shop to your heart’s content!
- Savings on grocery shopping
Your everyday grocery shopping can become fun with attractive savings and discounts on your bills.
Eating out and going to a movie can become rewarding with freebies and discounts available on these best rewards credit cards in India.
You don’t need to pay an additional surcharge on your fuel consumption. With Kotak credit cards, get a fuel surcharge waiver across fuel stations.
Make traveling more fun with complimentary airport lounge access at both international and domestic airports.
If discounts and gift vouchers are not enough, you can also enjoy cashback on Kotak’s credit cards.
Eligibility and Documents Required for New Credit Card
You need to fulfill specified credit card eligibility parameters when applying for a new credit card. Some of the most common eligibility criteria to get credit cards are:
- Age: You should be at least 18 years and above.
- Income: Your earnings should match the minimum income required for each credit card.
- Occupation: Credit cards are available for self-employed and salaried individuals.
- Credit score: You need a good score to get a credit card.
You will need to furnish the following documents with your online credit card application:
- Identity proof
- Age proof
- Address proof
- Income proof or employment details
- PAN Card
Credit Card Interest Rates & Charges
Know the charges before you apply for credit cards:-
Joining fee
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A fee is payable when the bank issues a credit card
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Annual fee
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A fee payable every year to use and maintain the card
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Credit card interest rates
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Interest is payable if you default on your credit card dues or if you make part payments on the outstanding bill
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Late payment charges
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Charges payable if you delay paying your credit card bills
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EMI charges
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Charges payable for converting your large-ticket purchases to convenient EMIs
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Other charges
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Card-specific charges for availing services from Kotak Mahindra Bank
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How to Apply for Kotak Credit Card Online
Apply for Kotak’s credit cards online and get access to the card at the earliest. The online credit card application process is quite simple. Here are the steps in which you can apply for a credit card:
- Visit the credit card section on Kotak Mahindra Bank’s website at https://www.kotak.com/en/personal-banking/cards/credit-cards.html
- Compare and study the available credit cards and choose one which suits your needs the most.
- Read the benefits and features of the credit card, its eligibility parameters, the documents needed, and the charge structure.
- Once you have the complete information about the shortlisted card, click on ‘Apply Now’.
- Fill in the details required on the online credit card application form. These details include your name, age, residential address, date of birth, net monthly income, type of employment, PAN card details, etc.
- Submit the online application form and your documents like the KYC documents, income proof, PAN card, employment details, etc.
- Once your application is submitted, you can keep track of your application status online through Kotak Mahindra Bank’s website.
- The bank will check your online application and the documents. If you meet the eligibility parameters and your documents pass verification, you would get approval for the card.
Alternatively, for a new credit card, apply offline through the Kotak Mahindra Bank branch or contact our representatives. You would have to fill up a physical application form and submit your documents in the offline application. Once your form and documents are verified, Kotak Mahindra Bank would approve your application, and you would be allowed to avail of a suitable credit card.
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