Credit Card, Credit Card Services and Outstanding To EMI - Kotak Bank

Credit Card, Credit Card Services and Outstanding To EMI - Kotak Bank

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Outstanding to EMI

With Kotak Credit Card you can shop hassle-free and convert your outstanding credit card balance to easy EMIs.

Convert your billed outstanding balance in to easy EMIs, except gold transactions

Attractive rates on converting your balance outstanding into EMIs

To apply or know more about balance EMI schemes, please login to your Net Banking or you may SMS <BALEMI> to 5676788

Fees & charges for converting outstanding to EMI

Tenure	Interest rate p.m. (reducing balance)	Processing Fees	Foreclosure Charges
3	15%	Rs. 10 per 100	2%
6	16%	Rs. 10 per 100	2%
9	16%	Rs. 15 per 100	2%
12	17%	Rs. 15 per 100	2%
24	19%	0	2%
36	19%	0	2%
48	19%	0	2%

*GST & education cess would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card. Gold transactions cannot be converted into EMI

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

Frequently Asked Questions

What is Micro ATM?

Micro ATM is a mini version of an ATM. Micro ATMs are like modified point of sales terminals this terminal can connect to banking network via GPRS to perform banking transactions. This machine contains card swipe facility. This initiative aims to bridge the gap between the need and availability of cash requirement in the eco-system.

This initiative aims to bridge the gap between the need and availability of cash requirement in the eco-system.

What is an OTP, and why is it important for credit card transactions?

OTP is a numeric or alphanumeric code a customer receives on their registered mobile number or email address to authenticate a credit card transaction.

It is an efficient way to ensure the genuine cardholder has initiated a credit card transaction.

Q1: Can I Add a Credit Card To Google Pay?

Yes, you can add a credit card to Google Pay using the following steps:

● Open the Google Pay app on your smartphone.

● Click “Add a card/bank account”.

● Enter your Kotak credit card details.

● Provide OTP.

How to open the Kotak UNI Student Bank Account?

You can open a Kotak UNI Student Bank Account digitally, from anywhere, thanks to the Video KYC feature. It involves getting on a video call with a Kotak bank executive to complete your KYC process, essentially ruling out a visit to a Kotak bank branch completely.

Can a senior citizen open a savings account?

Yes, a senior citizen can open Grand - Savings Account which is only applicable for Indian residents of age 55 years and above.

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