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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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 | 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.
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
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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:
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By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.