Essentia Platinum Credit Card

Simplicity

Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.

Transparency

Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.

Relevance

Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.

This promise from Kotak ensures that you only get the best from your credit Card!

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Essentia gives you 10 saving points for every Rs. 100 you spend on essentials at Departmental Store & Grocery Stores. And each point is worth Rs. 1 So for every Rs. 100 you spend, you save Rs. 10!

Minimum purchase: Rs. 1500

Maximum purchase: Rs. 4000

Maximum saving points for a month - 500 valued at Rs. 500

What's more, you earn 1 saving point for every Rs. 250 you spend on other categories. So you save with every swipe!

Saving Points can be redeemed for Cash, Airline Tickets, Merchandise, Mobile recharge and many more options!

Besides this, enjoy Milestone feature where you will get 12 movie tickets every year.

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Joining Fees of Rs. 1499 is applicable in the 1st Year and charged one time at the beginning of the year .It is billed in the 1st statement generated after card set up in the 1st Year.

The Annual fee for Kotak Essentia Chip Platinum Card is Rs. 749

Annual fee of Rs. 749 is applicable from the 2nd Year onwards and charged at the beginning of the year.It is billed in the 13th statement generated after card set up in the 2nd Year and every 12 months thereafter.

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Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest)

Daily rate of interest = (Monthly interest rate) * 12/365

Daily rate of interest = (3.5%) * 12/365 = 0.1118%

Please note that the per day interest rate in the above calculation is for illustration purpose only and the actual applicable rate shall be as prevailing and quoted in the schedule of charges.

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• Charges made on your lost or stolen credit card more than 7 days prior to your first reporting the event to Kotak Credit Cards Customer Care.
• Charges made on your lost or stolen credit card after you first reported the event to Kotak Credit Cards Customer Care.
• Charges made on your credit card if your credit card has not been lost or stolen;
• Cash advances made with your lost or stolen credit card;
• Charges incurred by a resident of your household, or by a person entrusted with your credit card.

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• In case your card is lost or stolen immediately call Customer Contact Center(1860 266 2666) and get your card deactivated / blocked / cancelled to prevent misuse.
• You are required to register a claim with the Insurance Company and can contact HDFC ERGO General Insurance Company at 1800 2700 700 or send an email at bankclaims@hdfcergo.comfor registering the claim.
• Charges made on your credit card if your credit card has not been lost or stolen;
• Send a copy of the Customer Dispute Form to the Bank . You can either fax us at 022-66466901 or mail a scanned copy at service.cards@kotak.com.

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