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Frequently Asked Questions

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

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.

Transparency

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.

Relevance

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!

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What is the insurance cover on the Kotak Credit Card?

On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by New India Assurance Company Ltd.

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What does the Insurance cover include?

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.

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What does the insurance cover exclude?

New India Assurance Company Ltd will not pay for any expenses or loss for:

  1. Charges made on your lost or stolen credit card more than 7 days prior to your first reporting the event to Kotak Credit Cards Customer Care.
  2. Charges made on your lost or stolen credit card after you first reported the event to Kotak Credit Cards Customer Care.
  3. Charges made on your credit card if your credit card has not been lost or stolen;
  4. Cash advances made with your lost or stolen credit card;
  5. Charges incurred by a resident of your household, or by a person entrusted with your credit card.

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What is the total sum insured?

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.

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