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.
Explore more credit card options that best suit your needs.

Frequently Asked Questions

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.

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.

Why is a Credit Card Important?

Credit cards are a convenient tool for managing your short-term financing needs. A credit card lets you borrow certain money and repay it later in instalments.

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.

How to Apply for a Credit Card?

Credit cards in India have become a popular payment method. More than half the population owns instant-approval credit cards. To get a credit card, apply online using the following steps:

● 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

Why Should you apply for a Kotak Bank Credit Card?

At Kotak Mahindra Bank, it is easy to understand how to apply for a credit card.

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!

Am I eligible for a Credit Card?

Here are the eligibility criteria for a credit card:

● 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

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