Credit Card Bill Payment Online
Pay your Credit Card bills easily with a number of payment options using our credit card services.
Make instant Credit Card payment from your Kotak Bank Account with our Mobile Banking App.
Pay your Credit Card bills at ease with our Net Banking service.
Pay your Kotak Credit Card bills with ease, in just three simple steps:
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.
Over the Branch Counter
a) Use NEFT/IMPS for your credit card payments via Non Kotak Net Banking website
b) Select Fund transfer and register Kotak Credit Card as Payee
c) Add the required 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)
Payment made through IMPS is credited instantly while NEFT may take 30 minutes up to 3 working days.
a) Drop a cheque at your nearest branch at ATM dropboxes
b) The cheque would be payable to Kotak Mahindra Bank Card A/C followed by your 16 digit credit card number
c) Get a confirmation within 5 working days
Only local cheques will be accepted
While using your credit card, it is important to be aware about several terms associated with it, one of which is credit card billing cycle. It is an important aspect of financial planning. Once you are aware of your billing cycle, you can use your card to the best of your advantage.
The billing cycle refers to the period for which your credit card statement has been generated. Any transaction which occurred during this period will reflect in your statement. A fair example of this would be, let’s say your credit card bill is generated on the 19th of every month. This means your credit billing cycle will start from 20th of the previous month and will continue to the 19th of current month. During this period, any and every transaction incurred and posted on your credit card will reflect in that month statement. This will also include your credit card payments, refunds of payments via credit cards, cashbacks, cash withdrawals (if any) and continuing EMI’s on your credit cards.
A typical billing cycle varies between 27-31 days.
The billing cycle starts from the day your credit card is activated till the next statement date. All the transactions done using your credit card will start accumulating in your monthly bill. If you are transferring balance from another credit card to the current one, it will include balance transfer charges. In case you have running EMI’s linked to the credit card, they will be added basis frequency. If any amount is paid back to your card for example fuel surcharge, it will be subtracted from the bill and the final bill gets generated. Any transaction made after the billing cycle is over for the month will reflect in the next month’s statement.
The Credit Card Billing Date or statement date is the day when your Credit Card monthly statement is generated. For example if the billing cycle is 7th Jan to 6th Feb, the billing date is 6th Feb. Any activity after 6th Feb will reflect in billing statement generated in March. So the next billing cycle will be 7th Feb to 6th Mar. The billing date is fixed and will not change every billing cycle.
Credit Card Payment Due Date usually ranges between 18 to 21 days from the billing date. It means customer gets 18 to 21 days to make the payment of the outstanding amount billed to him in his statement. To check due date for your Credit Card refer to Remember to Pay By Date mentioned in the Credit Card statement.
Your billing cycle is mentioned in your Kotak Mahindra Bank Credit Card statement
Yes, you can change your billing cycle through our Customer Care team once in calendar year. You may contact 24x7 Customer Care at 1860 266 2666. Local call charges apply.
You can choose to pay your Credit Card dues using the following options:
WebPay, Mobile Banking, Net Banking, Auto Debit,/NACH, Cheque or Cash Payment at Kotak Bank Branches.
Refer the modes of payment section for more information on Credit Card Payments.
You can pay your bill using our Web Pay service or pay via website
WebPay link - https://pgi.billdesk.com/pgidsk/pgmerc/kotakcard/kotak_card.jsp
(On selecting this link, the disclaimer pop up must appear and customer must be directed on selecting accept to webpay page
Click here to view and pay your Credit Card bill -
Your payment will be credited within 3 working days
The minimum amount is generally computed as 5% of the total amount
If you choose to pay only the Minimum Amount
You can refer to your monthly credit card statement
Ideally it is advisable to pay your credit card bill
If you pay off your credit card bill early,
Late payment of your credit card bill will attract charges basis overdue
A credit score is an indicator of a person's credit worthiness, or their ability to repay debt.
It is usually expressed as a number based on the person's repayment history and credit files across different loan types and credit institutions. Credit score is also known as a credit rating.
If you pay your bills on time, it will have a positive impact on your credit score.