Credit Card, Credit Card Services and Convert To EMI Features

Convert to EMI

At Kotak Credit Cards, we believe in enhancing your banking experience. Now enjoy shopping like never before and pay back with easy EMIs.

Convert any purchase, be it mobile phones, air tickets, consumer durables or shopping, to EMI

Convert any recent purchase above Rs.2500, except transactions made on purchase of gold

Flexible tenures ranging from 3 to 48 months

To apply or know more about EMI schemes, please login to your Net/Mobile Banking or SMS <EMI> to 5676788

Know more about different Credit Cards provided by Kotak Mahindra Bank.

Steps to avail EMI

Net Banking- Click Here

Login to www.kotak.com
Click on Net Banking option
Enter CRN in User ID
Enter Password or Click on "Get Net Banking Password Online"
Click on Credit Card Tab
Choose Convert to EMI option under Credit Cards tab.

OR

Mobile Banking-

Download Kotak Mobile Banking application from Play store or App Store
Login to Mobile Banking app by entering CRN &MPIN
Click on Credit Card tab
Choose Convert to EMI

OR

SMS < EMI > To 5676788

OR

Call our Customer Contact Center - 1860 266 2666 (local call rates apply)

Know more about different Credit Cards provided by Kotak Mahindra Bank.

Check the terms and conditions for Transaction to EMI on Kotak Mahindra Bank Credit Cards

Fees & Charges

A one-time transaction fee of up to 3.5% of conversion amount shall be charged for sanction of every transaction to EMI. This amount shall be billed to the monthly card statement as a part of the minimum amount due in the month of first initial interest amount billing. The exact transaction/processing fee applicable will be mentioned upfront to the Cardholder at the time of availing the loan.
The rate of interest on the conversion amount availed will be between 14% to 22% per annum on reducing balance. The exact interest applicable will be mentioned upfront to the Cardholder at the time of availing the EMI facility.
Applicable taxes shall be levied on fee & interest and shall form part of minimum amount due.

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Introducing e-vouchers from 180+ brands across a wide range of categories.

Introducing e-vouchers from 180+ brands across a wide range of categories.

Introducing e-vouchers from 180+ brands across a wide range of categories.

Pay ANY mobile number registered against ANY payment app.

Shop for your favorite brands from the comfort of your home.

Pay your credit card bill in just few clicks

Transaction to EMI

Convert to EMI

Steps to avail EMI

Fees & Charges

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