Apply for Credit Card Online & Get Quick Approval
Apply for Credit Card Online & Get Quick Approval

As per RBI recurring payment guidelines on e-mandates, w.e.f. Oct 1, 2021, all non-complaint Subscriptions/Recurring merchant Payments on your Kotak Mahindra Bank Credit/Debit Card will not be processed. Payments to be made directly to the merchant.
Welcome to the world of Kotak Credit Cards. Get credit cards online with a range of benefits. Our credit cards are designed with exclusive offers and discounts, the best-in-class rewards program, and attractive EMI offers. You can also conduct secured transactions with Kotak credit cards in India without worrying about cyber security threats.
We understand that everyone is unique and so are their spending habits. So we have designed diverse types of credit cards for our different customers. Each card has a specific use, and you can pick a card that best suits your requirements.
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Joining Fees: INR 3000|Annual Fee: INR 3000
Joining Fee: INR 0|Annual Fee: INR 299
Joining Fees: INR 0|Annual Fee: INR 599
Joining Fee: INR 0|Annual Fee: INR 0
Joining Fee: INR 0|Annual Fee: INR 199
*waived at an annual spend of Rs 15,000/-
Joining Fee: INR 0|Annual Fee: INR 0
Joining Fee: Nil|Annual Fee: INR 2,500*
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!
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.
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:
You will need to furnish the following documents with your online credit card application:
Know the charges before you apply for credit cards:-
Joining fee |
A fee is payable when the bank issues a credit card |
Annual fee |
A fee payable every year to use and maintain the card |
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 |
Charges payable if you delay paying your credit card bills |
EMI charges |
Charges payable for converting your large-ticket purchases to convenient EMIs |
Other charges |
Card-specific charges for availing services from Kotak Mahindra Bank |
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:
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.
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit. It is issued by banks and financial institutions to bring convenience of payment. Credit cards act as a micro loan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). A custom borrowing limit is pre-set by the issuer and this determines the maximum amount of credit a user can spend from a credit card. Credit card brings users the opportunity to save big through discounts and deals, making it a popular choice.
Don’t be put off by the term ‘credit’. If used wisely, credit cards are a convenient tool to manage your short-term financing needs. A credit card is a financial tool that lets you borrow a certain sum of money and repay it back later in instalments. An interest is charged only if the credit amount is not repaid within the grace period which usually ranges between 20 to 60 days. Whether you want to make online payments or swipe the card at a restaurant, everything is possible with a credit card. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashbacks, frequent flyer miles, credit score etc. A credit card is certainly a must-have item in your wallet.
At Kotak Mahindra Bank, we understand the diversity of our customer’s needs. Hence Kotak Bank offers a wide range of credit cards based on your buying preferences. We have categorized our credit card rewards centred on your preferences such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you are free to choose a credit card that earns you extra points on the things that matter the most to you. So go ahead, explore and compare our wide assortment of credit cards in order to find the perfect match. Once you find the right credit card, you will be able to earn as you spend!
The eligibility criteria for a kotak credit card will vary for every applicant. However, there are some criteria that remain uniform and these include:
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By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.