Why Credit Cards?

A credit card enables payments, anytime, anywhere! Shop, travel, buy movie tickets & do much more. The list is endless! What's more? Earn rewards and cashback whenever you use Kotak credit cards.

Get an instant Credit Card in just 3 easy steps!


Step 1: Select Your Ideal Credit Card

Choose a Credit Card based on your interests, such as Movies, Travel, Shopping, and more


Step 2: Share Your Basic Information

Simply share your basic details like your Name, Phone Number, PAN, and Aadhar


Step 3: Complete VKYC and Receive Your Virtual Card

Finish the VKYC process, receive your virtual card, and start exploring irresistible offers on your new Credit Card

Credit Cards that everyone is talking about

Credit Card offers you don’t want to miss!

All about Credit Cards

Credit Cards

A Credit card is a cashless financial instrument that can be used to make purchases even if holders don’t have the required funds in their bank accounts. Whenever they use their credit cards, users not only make purchases but also receive excellent rewards. Cashbacks and rewards points are earned whenever credit cards are used for shopping, travel, movie tickets, and more.

Welcome to the world of Kotak Credit Cards. We offer free credit card options through our website, where you can get instant approvals with a wide range of benefits. You can also conduct secured transactions with Kotak credit cards in India without worrying about cyber security threats.

Apply online at Kotak Mahindra Bank's website to get a credit card and enjoy several discounts and benefits. We offer the facility of instant credit card approval through the online portal making it easier than ever to own a credit card. We also provide different types of credit cards to meet the customer’s needs. Apply for Kotak Mahindra Bank’s credit card online today and pay all your bills quickly.

Types of Credit Cards in India Offered by Kotak Mahindra Bank

All our customers are unique and have different spending habits, which is why Kotak Mahindra Bank offers different types of credit cards.

Here are a few of the different types of Kotak Mahindra Bank credit cards:

  • Basic credit card - You can apply for this credit card online with a limit based on your income.
  • Secured credit card - If you have a poor credit history but need a credit card, apply online and get this credit card against a deposit.
  • Cashback credit card - It allows you to earn cashbacks. Apply online to get this credit card and earn cashbacks on each transaction.
  • Low-interest credit card - It has a lower rate of interest than the others. Get this instant credit card with low-interest rates when you apply for a credit card online.
  • Travel credit card - Apply for this credit card online to travel the world freely. It comes with travel insurance.

Key features and benefits of Kotak bank Credit Card

Kotak's instant approval credit cards come loaded with various features and benefits. Some of the notable Kotak credit card benefits are as follows -

  • Get periodic bonus reward points based on the usage of your card
  • Meet the minimum spending limit and get your yearly card fee waived
  • Get gift vouchers across premium brands and shop all you want
  • Save money on grocery shopping and get discounts on your bills
  • Enjoy freebies and discounts available on lifestyle products
  • With Kotak credit cards, get a fuel surcharge waiver across fuel stations
  • Travel in style with complimentary airport lounge access at both international and domestic airports
  • Enjoy cashback on Kotak credit cards

Eligibility and Documents Required for New Credit Card

Apply online at Kotak Mahindra Bank's website to get a new credit card. Here are the eligibility criteria for getting a credit card:

  • 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 credit score to get a credit card.

To apply for a credit card online, you need the following documents:

  • Identity proof
  • Age proof
  • Address proof
  • Income proof or employment details
  • PAN Card

Check Credit Card Eligibility with Kotak Bank

The instant credit card approval feature has increased the number of people who use credit cards in India. You should get one too. Kotak Mahindra Bank's website guides you on applying for a credit card, but you need more than knowing how to apply for a credit card. You also need to know your eligibility. Check your eligibility in the following ways:

  • Check your credit score
  • Meet the approval requirements
  • Have enough assets and income

Credit Card Interest Rates & Charges

Know the charges before you apply for credit cards:-

No Joining Fee

Joining fee is only payable on certain credit cards

Annual fee

A fee payable every year to use and maintain the card

Credit card interest rates

Interest is payable if you default on your credit card dues or make part payments on the outstanding bill.

Late payment charges

Charges are 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

How to Apply for Kotak Credit Card Online

For a credit card, apply online and get your card at the earliest. Here’s is Kotak Mahindra Bank’s step-by-step guide on how to apply for a credit card online:

  • Visit the credit card section on Kotak Mahindra Bank’s website
  • Choose the card from the different types of credit cards offered
  • Click on 'Apply Now.
  • Fill in the required details
  • Submit the online application form and your documents
  • After submission, track your application status online through Kotak Mahindra Bank’s website.
  • After this free credit card application option and bank verification, wait for approval of your card.


Apply offline through the Kotak Mahindra Bank branch or contact our representatives for a new credit card. Now that you know how to get a credit card to, apply online and start saving money.

Things to Know Before Applying for a Credit Card

Before you apply for a credit card online, you should be aware of the following points:

  • Know your credit card statement - It will help you understand your bank credit cards by showing you all the details like transactions, bills, due dates, etc.
  • How to transfer funds - Bank credit cards cannot be used.
  • Redeeming rewards - Credit cards in India come with a lot of reward points. Collect these reward points and redeem them to get cashback or discounts.

Credit Card offers

Credit cards in India have become a need for every individual as they come with many attractive offers and help you save significant amounts of money. The different types of credit cards allow customers to choose that best fits their needs and budget. The instant approval credit cards offered by Kotak Mahindra Bank can be obtained through an online application. With the different types of credit cards in India, credit card users can enjoy benefits such as gift vouchers, cashback, travel insurance, free air miles, discounts, one-on-one deals, reward points, and much more. To get a credit card, apply online and save your money. Kotak Mahindra bank's credit card offers are the best on different types of credit cards in India. An instant credit card will allow you to redeem all these offers from the comfort of your home.

Frequently Asked Questions


What is a 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.

Banks and financial institutions issue it to bring the convenience of payment. Credit cards act as a microloan 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). The issuer pre-sets a custom borrowing limit, determining the maximum amount of credit a user can spend from a credit card. Credit cards allow users to save big through discounts and deals, making them popular.

Why is a Credit Card Important?

Credit cards are a convenient tool for managing your short-term financing needs. A credit card lets you borrow certain money and repay it later in instalments. 

Interest is charged only if the credit amount is not repaid within the grace period, which ranges between 20 to 60 days. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashback, frequent flyer miles, credit scores, etc. A credit card is certainly a must-have item in your wallet.

How to Apply for a Credit Card?

Credit cards in India have become a popular payment method. More than half the population owns instant-approval credit cards. To get a credit card, apply online using the following steps:

●  Visit Kotak Mahindra Bank’s website

●  Check your credit card eligibility

●  Fill out the online application form and submit it

●  Track your application status online

Why Should you apply for a Kotak Bank Credit Card?

At Kotak Mahindra Bank, it is easy to understand how to apply for a credit card. 

We understand that each buyer has different needs, so we offer as many kinds of credit cards in India as you can. We have categorized our credit card rewards to suit your preferences, such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you can choose a credit card that earns you extra points on the things that matter the most. So go ahead, explore and compare our wide assortment of credit cards to find the perfect match. Once you find the right credit card, you can earn as you spend!

Am I eligible for a Credit Card?

Here are the eligibility criteria for a credit card:

●  For the Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, and 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?

With Kotak Mahindra Bank’s free credit card apply option, applying for a credit card is a relatively simple process. Here are the steps on how to get a credit card:

●  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.

How is my credit card limit decided?

The bank determines the credit card purchasing and withdrawal limit at its sole discretion. 

Some standard aspects reviewed when deciding the limit include the applicant's income, credit history and outstanding debts/loans/EMI payable.

What is an add-on credit card, and how can I avail of it?

The issuer offers the add-on credit card facility to the primary applicant.

It can be used by the cardholder's relatives, including the spouse, child, parents and siblings. The add-on credit holder must be 18 years of age and above. It includes all the benefits provided with the primary credit card, and the primary applicant can set a credit limit for the card.

How do you choose a credit card for first-time users?

To get an instant credit card, you must apply online, but choosing a credit card for the first time is a little difficult. The following points must be considered when you are choosing a credit card for the first time:

●  Check annual fees and other charges

●  Check the maximum credit limit

●  Check the latest offers available on the credit card

●  Check the payment options available

●  Check the rate of interest charged on the balance amount

●  Check the cash withdrawal charges

How should I pay my credit card bills?

Credit bill payments can be made with ease using multiple payment options. These include:

●  Mobile Banking

●  Net Banking

●  WebPAY


●  Auto Debit

●  VISA Payment

●  Phone Banking

●  Over the Branch Counter

●  Cheque Payment

What should you do in the case of theft or loss of your credit card?

The first action in the case of theft or loss of your credit card is to get it blocked by contacting the bank. This prevents the risk of an unauthorized transaction.

 You can use the customer care number to inform the official representatives of the loss or theft. Upon doing this, they will block the existing card and begin the procedure for issuing a new credit card.

Within the stated time frame, or they may become invalid. Thus, it is essential to carefully read through the credit card agreement and know the reward points' validity and expiry.

How long does it take to apply for and receive a credit card?

Once you know how to get a credit card, applying for it online is a quick process.

You need to fill out an application form and submit the required documents. This process finishes within a few minutes. However, you have to wait for a week to get approval. The maximum time for approval is ten working days. You will get your credit card after 15 days from the date of application.

How do I redeem my Kotak credit card rewards?

The free credit card apply feature allows you to get a credit card instantly and helps you earn. Here is how you can redeem your Kotak credit card rewards:

●  Cashbacks- Your available reward points can be redeemed as cashbacks which can be transferred into your statement credit.

●  Shopping- Reward points can be redeemed while shopping at specific stores with which the credit card issuer collaborates.

●  Loyalty Programs- You can redeem your reward points through loyalty programs at hotels, restaurants and airlines.

Ready to take the next step?