Credit Card Bill Payment - Pay Your Credit Card Bill Online With Ease

Pay Credit Card Bill Online

Make your credit card bill payment a breeze with Kotak’s bill payment facility. Pay online through our website or download the mobile app and make an online credit card payment easily and instantly. All your transactions are secure, and you get multiple digital payment options to pay your credit card dues most conveniently. So, don’t delay your credit card bill payment. Use the online mode and pay your bills conveniently.


Various Modes to Pay Your Credit Card Bills

With different modes offered by Kotak, pay credit card bills online with ease. Whether you want to make your credit card bill payment online or offline, Kotak gives you the solution. Pick from any of the following online and offline modes that suit your preference and clear your outstanding dues.


Mobile Banking

Manage your Kotak Accounts and Credit Cards with ease using Kotak Mahindra Bank's official mobile banking application.

Click here to down load Mobile App or Download the Kotak Mobile Application from Google Play Store.

Steps: Kotak Mobile Banking > Home Page > Select Credit Card > CC Payments.

TAT for credit: Instant 

Other exciting features available in Mobile banking

  • Pay your Credit Card bills
  • View past billed statements
  • View unbilled transactions
  • Balance Transfer
  • Convert transactions to EMI
  • Set-up auto debit for bill payment

Net Banking

If you’re registered for Kotak Mahindra Bank’s Net Banking facility, you can transfer the Credit Card bill amount from your Savings or Current Account to the Credit Card account, online.

TAT for credit: 24 hours

Here’s how you can pay your Credit Card bill with NEFT:

  • Log in to Kotak Net Banking
  • Select ‘Credit Card’ option from the Home Page
  • Select ‘Payments”
  • Click on ‘Make Payment’ Option


Experience simple, hassle-free Credit Card bill payments with WebPAY. This service allows you to pay your Credit Cards bills online from any* of your non-Kotak Mahindra Bank Savings Accounts, be it from your home or office.

Click here to see the list of banks to which this service is extended.

TAT for credit: 3 working days

Here’s how you can pay your Credit Card bills with WebPAY:

  • Provide your Kotak Credit Card payment details
  • Select your savings account bank from the dropdown list
  • Confirm payment
  • Receive online confirmation and Transaction Reference Number

Please Note: Your Kotak Credit Card account would be credited with the amount authorised by you within 3 working days (excluding weekends and bank holidays), for all payments made through WebPAY.

Click here for WebPay FAQs

WebPay Now



Here’s how you can pay your Kotak Credit Card bill with NEFT or IMPS:

  • Log onto your non-Kotak Bank Net Banking website
  • Select Funds Transfer/NEFT/IMPS
  • Register Kotak Credit Cards as a payee
  • Enter the following details:
    • Payee Name: 4166xxxxxxxxxxxxxxxxxxx Customer Name
    • Select Location City: Mumbai
    • Select Destination Bank: Kotak Bank
    • Bank Address: Main Branch Mumbai
    • IFSC Code: KKBK0000958
    • Update Payee Account Number: 4166xxxxxxxxxxxxxxxxxxx (Provide your correct 16-digit Kotak Credit Card Number)

NEFT(TAT for credit): Within 30 mins to Maximum 3 working days
IMPS (TAT for credit): Instant

Auto Debit

Never forget to clear you Credit Card bills on time again with the Auto Debit option.

If you have an account with Kotak Mahindra Bank, you can instruct us to automatically debit your bank account with either the Minimum Amount Due or Total Amount Due of your monthly outstanding on your Credit Card.

TAT for credit: Executed 4 days before due date and credited within 24 hours

Click here to download the Auto Debit Authorization Form.

The signed copy of the form can be submitted at a Kotak Mahindra Bank branch, or couriered/faxed to the below mentioned address:

Manager - Customer Correspondence Centre
Kotak Mahindra Bank
Attn: Customer Correspondence Unit - Credit Cards
Neptune Element, 3rd Floor, Road No. 22, Wagle Estate,
Thane (W) 400604

VISA Payment

You can pay your monthly Kotak Credit Card bill by transferring money from your VISA Debit Card. To take advantage of this convenient and secure facility, all you need to do is log on to your bank’s net-banking service and register your Kotak Credit Card for VISA Credit Card Payment. That’s it.

You can then start using VISA Credit Card Payment to make your Kotak Credit Card bill payments whenever you want.

Please note that the transfer will typically be reflected in 2-3 working days. 

TAT for credit: 3 working days

Phone Banking

Here’s how you can pay your Credit Card bill through Phone Banking:

  • Contact Kotak Customer Service
  • Select Banking Option from the menu
  • Place a request with the executive to transfer the amount
    from your Kotak Savings or Current Account to your Kotak Credit Card Account

To contact Kotak Customer Service, you can call 1860 266 2666, 24x7. 

TAT for credit: Within 24 hours

Over the Branch Counter

You can visit any Kotak Mahindra Bank branch and deposit cash towards your Credit Card Account.

To find a branch near you, SMS ‘K Branch <6-digit PIN Code> to 5676788 or 9971056767

Click here to view branch locator

TAT for credit: Within 24 hours


Charges applicable: Rs. 100 plus Service Charge

Cheque Payment

You can drop a local cheque, payable to Kotak Mahindra Bank Card A/C, followed by your 16-digit Credit Card Number, at any one of your drop boxes located in ATMs and branches.

To find a drop box near you, SMS ‘K DROPBOX <6-Digit PIN Code> to 5676788

Click here to view the Kotak Branches and ATMs

Please Note: This payment will reflect in your Kotak credit card account in 5 Working Days on realisation of the cheque.

Cheque payment- Non Kotak(TAT for credit): 5 working days
Cheque payment-  Kotak (TAT for credit): 1 working days


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

How Does the Credit Card Billing Cycle Work?

There is a specified billing date on which your credit card bill is generated. A credit card billing cycle is the period between two billing dates.

The credit card billing cycle can be of 30 days or 45 days. Each credit card bill sent to you records the transactions between two billing dates.

For example, say the billing date is the 6th of every month. If you avail of a credit card on the 10th of June, the first credit card billing cycle would be from the 10th of June to the 6th of July. After that, the credit card billing cycle would be from the 6th of July to the 6th of August, the 6th of August to the 6th of September, and so on.

So, the credit card billing cycle is the period over which your credit card transactions are billed.


Frequently Asked Questions


Should I pay my credit card in full?

Yes, you should pay your credit card bill in full. If you make a part payment, you will incur interest charges on the outstanding amount. 

Moreover, you would not be able to avail of an interest-free credit period in the next billing cycle.

What happens if you pay your credit card bill early?

If you pay off your credit card bill early, you eliminate the chances of a default. You can, thus, avoid credit card interest payments on possible defaults or part payments. 

How is Credit Card Payment Due Date Calculated?

Kotak Mahindra Bank specifies the credit card payment due date. It is mentioned on your credit card bill and depends on the interest-free credit period allowed by your credit card.

How Does Credit Card Billing Cycle Affect Your Credit Score?

The credit card billing cycle does not have a direct impact on your credit score. However, if you miss paying your credit card bills within the due date or make partial payments, it can hamper your credit score. 

Can I change my credit card billing cycle or billing date?

Yes, you can request Kotak Mahindra Bank to change your credit card billing cycle or the credit card billing date. 

The bank usually allows changes in the credit card billing cycle or date to make credit card payments more convenient for you.