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|Fee & other Parameters||Corporate Classic||Corporate Basic|
|Annual Fees||Rs. 1000||NIL|
|Condition for waiver of Annual Fees - First Year||NA||NA|
|Condition for waiver of Annual Fees - Second Year||NA||NA|
|Addon card Fees||NA||NA|
|Interest Charges on outstanding Balances||3.30% (Annualized 39.6%)||3.30% (Annualized 39.6%)|
|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||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||NA||NA|
|Late Payment Charges ("LPC")***||Rs. 100 for statement o/s less than or equal to Rs. 500.||Rs. 100 for statement o/s less than or equal to Rs. 500.|
|Late Payment Charges ("LPC")***||Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.||Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.|
|Late Payment Charges ("LPC")***||Rs. 700 for statement o/s greater than Rs. 10,000)||Rs. 700 for statement o/s greater than Rs. 10,000)|
|Over Limit Charge||NIL||NIL|
|Cheque Bounce Charges||Rs. 500||Rs. 500|
|Foreign Currency Mark Up||3.5%||3.5%|
|Railway Booking Surcharge**
(As per Applicable Rate)
|Fuel Surcharge*** (subject to a minimum of Rs. 10) on transaction amount
(As per Applicable Rate)
|Fee for Cash payment at Bank||Rs. 100||Rs. 100|
|Outstation Cheque Processing Fee||Waived||Waived|
|Reissue/ Replacement Card (per issunace)||Waived||Waived|
|Charge Slip Request||Waived||Waived|
|Machine Surcharge at ATMs||Waived||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived||Waived|
|Duplicate Statement Request||Waived||Waived|
|Web Pay Service Fee||Waived||Waived|
|Furnishing a copy of Credit Information Report (CIBIL) (Effective 5th April)||Rs. 50||Rs. 50|
|* Government taxes (including service tax, GST, any/all applicable taxes from time to time) would be charged as applicable 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|
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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!
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.
A debit card lets you withdraw money that you have previously deposited into your bank account. It is linked to your account and is offered as an add-on facility by banks and financial institutions. A credit card on the other hand, lets you make spends on the terms of a short term loan. The bank enables you to make transactions to a given limit. Rather than having to make repayments on per use basis, there is a bill generated of the total repayment due at the end of each billing cycle.