Outstanding to EMI
Our credit card services lets you convert your outstanding credit card balance
into easy EMI options with attractive rates

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Frequently Asked Questions
For Kotak Bank Customers
For Kotak811 Customers
Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
Our credit card services lets you convert your outstanding credit card balance
into easy EMI options with attractive rates
With Kotak Credit Card you can shop hassle-free and convert your outstanding credit card balance to easy EMIs.
To apply or know more about balance EMI schemes, please login to your Net Banking or you may SMS <BALEMI> to 5676788
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.
You can also SMS<BALEMI> to 5676788
OR
Call our Customer Contact Center at 1860 266 2666 (local call rates apply)
Check the terms and conditions for Outstanding to EMI on Kotak Mahindra Bank Credit Cards
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.
OTP is a numeric or alphanumeric code a customer receives on their registered mobile number or email address to authenticate a credit card transaction.
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.
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.
Yes, a senior citizen can open Grand - Savings Account which is only applicable for Indian residents of age 55 years and above.