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Shopping is fast becoming a therapeutic activity for our generation. Shopping malls are the new cathedrals, and we are its sincere and serious patrons. Most of us have our  set ways when it comes to shopping. Some splurge once a month, others shop once a week but more frugally; yet others do it whenever it tickles their fancy.

However, there is one common factor: credit cards. These have become indispensable for the modern shopper, irrespective of shopping frequency or volume. They are so popular because they enhance the shopping experience. Here’s how:

1. Ease of payment: No more bulky wallets; no more carrying (and worrying about) wads of cash. You can buy everything you want with a single card. This makes the experience all about shopping and not about random hassles. Credit cards from banking majors such as Kotak Mahindra Bank are accepted at all major shopping malls and stores across the country. These days even smaller shops readily accept credit cards.

2. Special schemes: Many credit cards have tie-ups with stores and boutiques to give customers real value for money. You can avail of discounts  at really classy and expensive joints – and sometimes get even up to 50% off if you choose the right credit card. These schemes are not restricted to a couple of shops or offered for a limited time; they are created with a view to retaining customers by making their shopping cheaper and better. Besides, the more you shop, the better their offers become. Apply for a credit card online and you can see the offers for yourself.

3. Speciality cards: Some credit cards are created specifically for avid shoppers and are usually not available to the general public. These offer a 0% interest rate for up to two years and do not charge extra for international buys and purchases above a certain monetary value. There is usually a heavy amount of reimbursement that happens by way of loyalty points, which can be redeemed for items in lieu of payment – and these are not small amounts either. These cards are akin to the Holy Grail for committed shoppers.

4. VIP treatment: Using a credit card in a store with which it has a tie-up can result in all sorts of little perks. Some shops assign a personal assistant to you for the duration of your visit; while others give you preferential treatment when it’s time to pay. Certain clothing stores offer free alteration work while others offer you refreshments while you wait.  This kind of exclusive treatment is provided only to those who have a credit card that has a tie-up with the store or company.

Now that you know what you stand to gain, apply for a credit card from Kotak Mahindra Bank today and become a privileged shopper!


Terms & Conditions apply. Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and  benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.