Banks and financial institutions issue it to bring the convenience of payment. Credit cards act as a microloan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). The issuer pre-sets a custom borrowing limit, determining the maximum amount of credit a user can spend from a credit card. Credit cards allow users to save big through discounts and deals, making them popular.

Interest is charged only if the credit amount is not repaid within the grace period, which ranges between 20 to 60 days. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashback, frequent flyer miles, credit scores, etc. A credit card is certainly a must-have item in your wallet.

●  Visit Kotak Mahindra Bank’s website

●  Check your credit card eligibility

●  Fill out the online application form and submit it

●  Track your application status online

We understand that each buyer has different needs, so we offer as many kinds of credit cards in India as you can. We have categorized our credit card rewards to suit your preferences, such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you can choose a credit card that earns you extra points on the things that matter the most. So go ahead, explore and compare our wide assortment of credit cards to find the perfect match. Once you find the right credit card, you can earn as you spend!

●  For the Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, and Urbane Gold Credit card primary applicant must be in the age bracket of 21 – 65 years.

●  For 811 Dream different Credit card, NRI Royale Signature Credit card, the primary applicant should be in the age bracket of 18 years to 75 years.

●  Must be an Indian resident

●  Must be a salaried employee or self-employed (With income proof)

●  Must meet the income requirement set by the bank

●  Must be a resident of the serviceable locations within India

●  Clicking the "Apply Now" icon in the section of the credit card that you wish to avail Alternatively, you can visit the bank branch or get in touch with an official representative

●  Submit applicant details such as name, age, birthdate, residential address, net income, PAN and others

●  Must provide proof of personal documents, PAN Card,  KYC documents, proof of address and proof of income or employment status

●  Keep track of application status.

Some standard aspects reviewed when deciding the limit include the applicant's income, credit history and outstanding debts/loans/EMI payable.

It can be used by the cardholder's relatives, including the spouse, child, parents and siblings. The add-on credit holder must be 18 years of age and above. It includes all the benefits provided with the primary credit card, and the primary applicant can set a credit limit for the card.

●  Check annual fees and other charges

●  Check the maximum credit limit

●  Check the latest offers available on the credit card

●  Check the payment options available

●  Check the rate of interest charged on the balance amount

●  Check the cash withdrawal charges

●  Mobile Banking

●  Net Banking

●  WebPAY

●  NEFT/IMPS

●  Auto Debit

●  VISA Payment

●  Phone Banking

●  Over the Branch Counter

●  Cheque Payment

 You can use the customer care number to inform the official representatives of the loss or theft. Upon doing this, they will block the existing card and begin the procedure for issuing a new credit card.

Within the stated time frame, or they may become invalid. Thus, it is essential to carefully read through the credit card agreement and know the reward points' validity and expiry.

You need to fill out an application form and submit the required documents. This process finishes within a few minutes. However, you have to wait for a week to get approval. The maximum time for approval is ten working days. You will get your credit card after 15 days from the date of application.

●  Cashbacks- Your available reward points can be redeemed as cashbacks which can be transferred into your statement credit.

●  Shopping- Reward points can be redeemed while shopping at specific stores with which the credit card issuer collaborates.

●  Loyalty Programs- You can redeem your reward points through loyalty programs at hotels, restaurants and airlines.