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Frequently Asked Questions

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

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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Why should I choose an Urbane Card? Are there any specific benefits that I get?

The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do.

With Urbane the cardholders earn 3 reward points for every Rs. 100 spent .Cardholders can redeem their reward  points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash  and more .

 

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Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

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Do I enjoy any interest free period on cash?

The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.

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What is the interest Rate that is applicable to me?

The interest applicable to you is 3.50% per month.

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When do you charge me a Mark Up?

A Mark up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up.

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Do I enjoy any interest free period on cash?

The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.

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Am I entitled for an Add-on Card?

Yes, Add-on Cards are available on Urbane Card.

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Are all the Urbane Card features available on the Add-on Card?

Yes, all the Urbane Card features can be availed by the Add-on Card holder.

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How do I apply for an Urbane Card?

Visiting www.kotakcards.com. Recommended Calling our customer helpline numbers

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I have applied for a Kotak Urbane Credit Card and would like to know the status?

Please call our Banking helpline numbers to check your Credit Card application status .Alternatively, you can log onto www.kotakcards.com and click on application status on the top right hand corner. Please keep your application reference number handy.

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What is the Reward point program? How do I redeem my Reward Points?

The Urbane Reward program allows you to earn 3 reward points on every Rs. 100 spent. You can earn reward points across all your retail spends.

Every 1000 reward points will continue to have a redeemable worth of Rs. 75.

Accumulate your reward points and redeem with host of redemption options like Air tickets, Mobile Recharge, 10,000 merchandise and much more through easyrewards with easy points.

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What are the minimum Reward Points I can redeem?

A minimum of 1000 reward points are required for redemption.

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When do my points expire?

Points will expire after two years from the date they are earned.

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If I change my mind, how can I cancel my reward redemption request?

Sorry! Once you have made your redemption request, your request cannot be cancelled.

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What is the value of each Reward Point?

Every 1000 reward points have a redeemable worth of Rs. 75.

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Is there a limit to the amount of Reward Points I can redeem?

No, there is no limit on the maximum number of points that you can redeem. You may choose to redeem all your reward earned on your Kotak Urbane Credit Card. If you haven't found the answer to what you were looking for, please send us your query

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What is the insurance cover on the Kotak Credit Card?

On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by New India Assurance Company Ltd.

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What does the Insurance cover include?

If your credit card is lost or stolen, New India Assurance Company Ltd will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.

If your credit card is lost or stolen, New India Assurance Company Ltd will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.

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What does the insurance cover exclude?

New India Assurance Company Ltd will not pay for any expenses or loss for:

  • 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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What is the total sum insured?

The sum insured is Rs. 25,000.00 / 50,000.00 / 75,000.00 / 2,50,000.00 per annum for Silver, Gold, Platinum/Titanium and Signature cards respectively.

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What do I have do, in case my credit card is lost or stolen?

Please follow the below instructions:

  • 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
  • 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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What happens if the Insurance Company approves my claim?

If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.

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What happens if the Insurance Company rejects my claim or I fail to register a claim with the Insurance Company?

In case if you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.

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