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Enjoy the benefits of interest free cash withdrawals, fuel surcharge waiver, a credit limit up to 80% of your term deposit amount and a free Credit Card for life – all with the Kotak Aqua Gold Credit Card
Credit limit up to 80% of the term deposit amount
Credit Limit known up front at the time of applying for card
High credit limit, up to Rs. 12 Lakhs or 90% of your credit limit
Interest free cash up to 48 days throughout the year
Cash Advance fee of Rs. 300/- per Rs. 10,000 or part thereof
Fuel Surcharge Waiver on transactions from Rs. 500 up to Rs. 3500
Railway surcharge waiver for transactions on www.irctc.co.in and on Indian Railways Booking Counters for maximum of Rs. 500
|Fee & other Parameters||Aqua|
|Condition for waiver of Annual Fees - First Year||NA|
|Condition for waiver of Annual Fees - Second Year||NA|
|Addon card Fees||Nil|
|Interest Charges on outstanding Balances||2.99% (Annuanlized 35.88%)|
|Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)||MAD can be 5% or 10% of TAD as decided by the Bank|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300|
|Late Payment Charges ("LPC")||Rs. 100 for statement o/s less than or equal to Rs. 500.|
|Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.|
|Rs. 700 for statement o/s greater than Rs. 10,000|
|Over Limit Charge||Rs. 500|
|Cheque Bounce Charges||Rs. 500|
|Foreign Currency Mark Up||3.5%|
|Railway Booking Surcharge (1.8%/2.5% on transaction amount)*||Waived|
|Fuel Surcharge (1% on transaction)**||Waived|
|Fee for Cash payment at Bank||Rs. 100|
|Outstation Cheque Processing Fee||Waived|
|Reissue/ Replacement Card (per issunace)||100.0|
|Charge Slip Request||Waived|
|Machine Surcharge at ATMs||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived|
|Duplicate Statement Request||Waived|
|Web Pay Service Fee||Waived (effective 10th JAN,2014)|
|Furnishing a copy of Credit Information Report (CIBIL)||Rs. 50|
|GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card|
|*Maximum Railway surcharge waiver of Rs. 500 in a calendar year|
|** Fuel surcharge to be waived only for transactions between values of Rs. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 3500 in a calendar year|
|Your Spends||Annually||Kotak Benefit||Your Savings|
|Cash Withdrawal at 2.99% p.m. up to 48 days (other Cards @3.3%)||120,000 (10,000 per month)||Interest Free Cash withdrawal for average 30 days||3720|
|Fuel Surcharge Waiver||24,000 (2,000 per month)||1% surcharge waiver||240|
|Railway Surcharge Waiver||8,000||1% surcharge waiver||80|
|Your Total savings||4040|
Explore more credit card options that best suit your needs.
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.
Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit card!
On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by New India Assurance Company Ltd.
If your credit card is lost or stolen, New India Assurance Company Ltd will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.
New India Assurance Company Ltd will not pay for any expenses or loss for:
The sum insured is Rs. 25,000.00 / 50,000 / 75,000 / 2,50,000.00 per annum for Silver, Gold, Platinum/Titanium and Signature cards respectively.