Features

Essentia Platinum Credit Card

The Kotak Essentia Platinum Credit Card is designed keeping the smart shopper in mind. With this Credit Card, you earn Savings Points on all your essential purchases, and these can be redeemed whenever you want on all the special things you want to buy or experience.

10% Savings on Departmental & Grocery Store spends

More Savings! A World of Offers

Priority Attend- KASSIST

Your Add-on Card will have all the benefits that you enjoy on your Card

10% Savings on Departmental & Grocery Store spends
- Essentia gives you 10 Saving Points for every Rs. 100 you spend at Departmental & Grocery Stores.
- 1 Saving Point = Re. 1
- Minimum transaction size: Rs. 1500
- Maximum transaction size: Rs. 4000
- Maximum Saving Points for a month - 500 valued at Rs. 500
- Saving Points can be redeemed for cash and many more options. Click here for more details.
More Savings!
- What's more, you earn 1 Saving Point for every Rs. 250 you spend on other categories* without any restrictions. So you save with every transaction!
- *Saving Points earned with purchases done on other categories will be given over and above the Saving Points earned for purchases done in Departmental & Grocery stores.
- Plus, a world of offers!
- There's even more joy to the Kotak Essentia card! We have a world of offers waiting for you, both online and offline!
- So go ahead and enjoy your dream vacation or dine at an exclusive restaurant or simply catch a movie with your near and dear ones.
Priority Attend
- KASSIST
- Should you have a question for us, the answers are now easier to find! We’ve introduced a service called KASSIST so you need not wait on calls endlessly anymore. Just SMS KASSIST to 5676788 and we shall call you back within 30 minutes*!
- *The call within 30 mins will be made to all SMS received between 10 am & 6pm from Monday to Saturday.
- To apply for Essentia SMS KTEN to 5676788
Add-on Card
- Your Add-on Card will have all the benefits that you enjoy on your Card
- Set the spend limit on your Add-on Card as you desire
- Track spends separately for each of your Add-on Card(s)
Milestone Feature
Spend Rs. 1, 25,000 every 6 months and get 6 free PVR tickets Or 1200 Reward Points
- You can choose from the below redemption options:
  - Redemption Option 1:
    - Enjoy a maximum of 12 free PVR tickets every year
    - PVR tickets can be used for any day and any show and are transferrable.
    - Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com
    - You can claim your PVR tickets within 3 months after the program period gets over
  - Redemption Option 2:
    - Reward points will be credited in the next billing cycle
    - Reward points can be used for a host of redemption options like Airtickets, Movie Tickets, Mobile Recharge / Branded Merchandise
    - You can claim your reward points within 3 months after the program period gets over

Check your eligibility for the Essentia Platinum Credit Card.
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Frequently Asked Questions

Why a Credit Card is Important?

Don’t be put off by the term ‘credit’. If used wisely, credit cards are a convenient tool to manage your short-term financing needs. A credit card is a financial tool that lets you borrow a certain sum of money and repay it back later in instalments. An interest is charged only if the credit amount is not repaid within the grace period which usually ranges between 20 to 60 days. Whether you want to make online payments or swipe the card at a restaurant, everything is possible with a credit card. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashbacks, frequent flyer miles, credit score etc. A credit card is certainly a must-have item in your wallet.

What Are the Benefits of a Credit Card?

Reward Points
You can earn reward points with every purchase made using credit cards. Subsequently, the accumulated reward points can be redeemed to make another purchase.

Enhances Your Credit Rating
Paying back your credit card bills on time is the easiest way to build your credit rating. If you have a high credit score, you can avail loans easily at a low-interest rate.

Cash-Backs and Discounts
By making purchases through credit cards, you can also earn cash-backs on select purchases. Some merchants also offer special discounts on credit card purchases.

Frequent Flyer Miles
As a credit card holder, you can earn frequent flyer miles with every air ticket purchase. Ultimately, the frequent flyer miles can be redeemed against the price of another ticket.

Universal Acceptance
At times, debit cards even from reputed banks may be turned down when you travel abroad. On the other hand, a credit card is universally accepted as a convenient mode of payment across the world.

Why Should you apply for a Kotak Bank Credit Card?

At Kotak Mahindra Bank, we understand the diversity of our customer’s needs. Hence Kotak Bank offers a wide range of credit cards based on your buying preferences. We have categorized our credit card rewards centred on your preferences such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you are free to choose a credit card that earns you extra points on the things that matter the most to you. So go ahead, explore and compare our wide assortment of credit cards in order to find the perfect match. Once you find the right credit card, you will be able to earn as you spend!

What is a Credit Card?

A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit. It is issued by banks and financial institutions to bring convenience of payment. Credit cards act as a micro loan 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). A custom borrowing limit is pre-set by the issuer and this determines the maximum amount of credit a user can spend from a credit card. Credit card brings users the opportunity to save big through discounts and deals, making it a popular choice.

What is the difference between a credit card and a debit card?

A debit card lets you withdraw money that you have previously deposited into your bank account. It is linked to your account and is offered as an add-on facility by banks and financial institutions. A credit card on the other hand, lets you make spends on the terms of a short term loan. The bank enables you to make transactions to a given limit. Rather than having to make repayments on per use basis, there is a bill generated of the total repayment due at the end of each billing cycle.