Features and Benefits of Kotak Visa Money-Back Credit Card

With global accessibility, take advantage of Kotak's Money-Back Credit Card to get more cashbacks, so you save more when you spend.

Cashback rewards

Receive cashbacks on every penny you spend. You will always receive the discount you are looking for with Kotak's Cash Back Credit Cards. You can quickly redeem your cashback rewards with Kotak's on-call assistance.

Shopping perks

Get exciting offers on your next visit to the mall or grocery store with Kotak's Money-Back Credit Card.

Discounts on dining, entertainment

Enjoy gourmet meals, entertainment, and discounts at over 1000 restaurants.

EMI benefits

With Kotak's Cash Back Credit Card, you get easier access to EMI options for your purchases, from electronics to personal items.

Signing up bonus

As an introductory offer, Kotak's Cash Back Credit Card offers a welcome bonus that you can redeem in your way.

Kotak Visa Money-Back Credit Card Introductory offers

On the issuance of a new credit card, new customers will be eligible for the following welcome privileges:

Improved shopping experience

With Kotak’s Cash Back Credit Card, get vouchers worth Rs. 500/- from Amazon/Flipkart/Myntra.

Luxurious travel experience

Get complimentary access to lounges at domestic and international airports with five meal vouchers using Kotak Cash Back Credit Card.

Digital Payment benefits

Now get a flat 50% up to Rs. 150/- on payments made via Paytm/Google.

Food offers

Kotak Cash Back Credit Cards give you a discount of flat 25% off on your next order at Zomato/Swiggy.

Eligibility and Documents Required for Kotak Visa Cash Back Credit Card

The applicant looking for a cash back credit card should fulfill the below-mentioned criteria:

  • The applicant should be between the age of 21 and 65.
  • The applicant should be a resident of India.
  • The applicant should be self-employed or salaried.


Documents required for application:

  • Proof of address: Passport, driver's license, voter ID, job card, etc.
  • Proof of identity: A bank statement, a driving license, a ration card, a utility bill, etc.
  • Proof of income: Last three months' bank statement, three months' salary slip, and tax return.
  • Pan Card
  • Passport size photo

Once you meet the eligibility criteria, you can get your hands on the best money-back credit card.

How to Apply for Kotak Visa Cash Back Credit Card?

Visit Kotak Mahindra's website to find the best money-back credit cards.

You can apply for Kotak's Visa Cash Back Credit Card in just a few simple steps:

1. Navigate to the credit card services section and click Apply.

2. For existing customers, add your customer reference number, mobile number, or email address. Select the credit card you are looking for.

3. For new customers, select the purpose for the credit card and your monthly income.

4. Post which, you can select from the range of options available.

5. Once selected, you can input your basic personal information and attach necessary documents, et voila, you're done.

Why should you choose Kotak Visa Money-Back Credit Card?

Kotak understands the needs of its customers. Therefore, Kotak provides a variety of credit cards to meet those needs.

Here's why you should choose Kotak Cash Back Credit Card:

  • Higher cashback offers on online and offline expenses.
  • Redeem reward points as per your choice.
  • Annual fee waiver facility.

Ready to take the next step?

Kotak Visa Money-Back Credit Card FAQs

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Can I get a student credit card without a job?

Yes, you can get a student credit card without a job or a credit history. Kotak Mahindra Bank allows students to apply for the 811 #DreamDifferent Credit Card against fixed deposits of a minimum of 10,000 rupees. You can get a credit limit of up to 90% of your fixed deposit amount. 

How to pay bills using the student credit card?

For online transactions, provide:

-          Card no


-          Expiration date

-          CVV

-          Name as on the card

-          Billing address

After that, enter the OTP sent on your registered mobile number to authenticate and complete the transaction.

For offline transactions:

-          Swipe your card at point-of-sales machine

-          Punch in your PIN to authenticate the transaction

-          Upon accepting the PIN the bank completes the transaction 

How can I get a student credit card?

Kotak Mahindra Bank allows credit cards for students against fixed deposits. You can open either a Uni Student Bank Account or an 811 #DreamDifferent Bank Account with the minimum amount FDs and then apply for an 811 #DreamDifferent Credit Card. It requires no income proof and charges you no joining or annual fees.

What is the maximum credit limit to avail for a student credit card?

The maximum credit limit which can be availed on the 811 #DreamDifferent credit card for students is Rs. 16 lakhs. You can enjoy upto a 90% of your term deposit amount as a credit limit. The minimum fixed deposit amount is 10,000 rupees.

What are the other options to send money to kids studying abroad?

You can send money to your kids studying abroad either through your bank or with the help of money transfer services. But do keep in mind the costs incurred such as transfer fees or factors like the exchange rate to be able to help your children rather than experience losses.