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	0%
6	16%	Rs. 10 per 100	0%
9	16%	Rs. 15 per 100	0%
12	17%	Rs. 15 per 100	0%
24	19%	0	0%
36	19%	0	0%
48	19%	0	0%

*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 Google Pay?

Google Pay is secure and easy-to-use mobile payment service which can be used to make purchases and payments nearly everywhere.

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.

What is the ActivMoney facility?

Through this facility you can earn a much higher interest on your idle funds in the Savings Bank Account.

The idle funds from your savings account (at a pre-specified threshold limit) are transferred automatically to a term Deposit. The funds move back in to the savings account in case of funds requirements.

The advantages of this facility are:

Higher rate of interest earned.
You need NOT track idle funds regularly & give instructions to the bank to create Term Deposits out of Savings Account balances.
Greater Flexibility & Liquidity as the funds flow back into the Savings Account if the balance in the Savings Account falls below a particular level.

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.

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Outstanding to EMI

Outstanding to EMI

Fees & charges for converting outstanding to EMI

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Frequently Asked Questions

What is Micro ATM?

What is Google Pay?

How to open the Kotak UNI Student Bank Account?

What is the ActivMoney facility?

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

Don't have a Kotak Credit Card?

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