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.

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.

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.

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)

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.

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. 

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. 

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


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.


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

Frequently Asked Questions


Can I get any benefit if I am an existing Kotak Bank current account or savings account customer?

Yes. We offer preferential interest rate, faster processing & doorstep service to existing bank customers while taking our business loan.

Can I have both Non Resident and Resident Savings Account?

No, a person can either have a Resident saving account or Non-Resident accounts (NRE /NRO)

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What is the eligibility criterion to avail Personal Accident Insurance cover on my RuPay India Debit Card?

Eligibility criteria:

The claim under Personal Accident Insurance shall be payable only if the card holder has carried out at least one transaction i.e. at a Merchant Establishment/ATM /ecommerce /Micro ATM/Business Correspondent of the bank at locations, within 90 days for RuPay Classic card prior to the date of accident including accident date. The Personal Accident Insurance (Death and Permanent Total Disability) would be an Open policy for any kind of accident leading to death or disability.

What is Forex Card?

The Forex Card is a Chip based pre-paid card introduced in association with Visa. It is the first card to offer you the option of loading up to 13 currencies in a single card in a convenient and secure way.

This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates.

It can be used at all VISA ATMs and merchant establishments accepting VISA Cards worldwide except for a few countries which are listed in FAQ (2)

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How many Easy Pay accounts can be opened with a Current Account?

There are no limits on the number of accounts that can be opened or linked to a Current Account.

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