How to Track Autopay/Subscriptions on your Credit Card

Introduction

Noticed a charge on your credit card for a subscription you forgot about? Or a gym membership you thought you had cancelled?

With so many services running on autopay, it’s easy to lose track. One missed update, and you are billed again.

In this guide, we break down how to spot, manage and stay on top of recurring payments so you are never caught off-guard again.

What is autopay and why should you track it?

Autopay (automatic payment) allows merchants to charge your credit card automatically for recurring services like subscriptions, utilities, and memberships. While convenient, autopay requires careful tracking to avoid financial surprises.

Unmonitored autopay arrangements often lead to duplicate charges, forgotten subscriptions, and budget overruns.

Effective autopay tracking helps you maintain better financial control, prevents unwanted charges, and ensures you're only paying for services you actively use. This practice becomes essential for managing multiple subscriptions across different categories and maintaining a clear view of your monthly expenses.

What autopay features does Kotak Credit Card offer?

Kotak Credit Cards provide comprehensive autopay management through integrated digital banking platforms, allowing you to view, modify, and cancel automatic payments directly from your dashboard.

The platform offers real-time subscription tracking, categorising your recurring payments by merchant type entertainment, utilities, shopping, and more. You'll receive detailed transaction alerts for each autopay charge, helping you stay informed about when and where your money goes.

Security features include instant notifications for new autopay setups and spending limit controls for automatic payments. The system also provides historical data showing your subscription trends over time, making it easier to identify patterns and optimise your recurring expenses.

How can you set up autopay through net banking or mobile app?

Method 1: Direct Access via Kotak Website
● Visit www.kotak.com and navigate to "Subscriptions/Recurring Payments" under "Others" section ● Click "Proceed" to enter the e-mandate portal
● Create your account or log in with existing credentials

Method 2: Through Product Navigation
● Select "Explore Products" → "Cards" → "Credit Card Services"
● Choose "Subscriptions/Recurring Payments" option
● Click "Know more" followed by "Check now" or "Click here"

Account Setup Process:
● For first-time users: Register with name, email, password, and confirm via email verification code
● Existing users: Enter username and password to access the e-mandate dashboard
● Complete OTP verification sent to your registered mobile number

Essential Setup Requirements:
● All autopay setups require OTP confirmation for security
● The system automatically links to your Kotak credit/debit card
● Keep your registration confirmation for future reference
● Ensure your mobile number and email are updated for notifications

How do you view and monitor your active subscriptions?

Your Kotak e-mandate dashboard provides a comprehensive view of all active recurring payments through the "Merchant e-Mandates Summary" section, displaying merchant names, maximum amounts, end dates, and SiHub IDs for easy identification.

The platform shows due amounts and next payment dates prominently, with options to "View," "Edit," or "Cancel" each subscription directly from the summary page.

You can also access detailed invoice history and transaction records for each merchant, helping you track spending patterns across different subscription categories.

For transactions requiring approval (amounts over ₹5,000 or exceeding your set limits), the system displays "Approve" buttons and sends pending payment notifications to keep you informed of actions needed.

How can you cancel autopay on Kotak cards?

Accessing Cancellation Options:

• Log into your e-mandate dashboard and navigate to "Merchant e-Mandates Summary"
• Locate the specific subscription you want to stop
• Click the "Cancel" button next to the subscription

Cancellation Process:

• Enter cancellation remarks explaining your reason for stopping the autopay
• Provide feedback about why you're cancelling the service
• Click "Yes" on the popup confirmation message to proceed

Completing the Cancellation:

• Enter the OTP sent to your registered mobile number
• Wait for system verification of the OTP code
• Receive cancellation confirmation message on screen
• Check for SMS notification confirming successful cancellation

Viewing Cancelled Subscriptions:

• Click "View Inactive e-Mandate" in your dashboard to see cancelled subscriptions
• Access complete records of previously active recurring payments
• Review cancellation history for future reference

What are the best practices to avoid unwanted charges?

Regular Monitoring and Reviews:

• Check credit card subscriptions monthly by reviewing your autopay list
• Cancel unused services immediately when identified
• Set calendar reminders for quarterly subscription evaluations
• Pay special attention to annual or semi-annual payment cycles

Proactive Alert Management:

• Enable real-time transaction alerts for all autopay charges
• Spot unexpected or duplicate payments quickly through notifications
• Create spending limits for different subscription categories
• Prevent any single category from exceeding your budget

Free Trial Management:

• Calendar the trial end date before signing up for free trials
• Set reminders to cancel before automatic billing begins
• Read cancellation policies carefully for each service
• Understand notice periods required for different subscription types

How do you stay updated with due dates and alerts?

Comprehensive SMS Notification System:

• Receive notifications on your registered mobile number for all subscription activities
• Get automatic registration confirmations when setting up new autopay arrangements
• Receive modification alerts when changing end dates or maximum amounts
• Obtain cancellation confirmations when stopping subscriptions

Transaction Monitoring:

• Receive upcoming payment reminders before each scheduled transaction
• Get immediate success or failure notifications after payment attempts
• Monitor approval requests for transactions over ₹5,000 with clear authorisation instructions
• Access detailed transaction history records for each subscription

Dashboard Management:

• Track spending patterns across all recurring payments
• Identify unusual activity through comprehensive transaction records
• Authorise or decline payments directly through your e-mandate dashboard
• Maintain complete visibility of your subscription portfolio

Conclusion

To manage autopay in credit card accounts involves accessing Kotak's e-mandate system at www.kotak.com, monitoring subscriptions through the dashboard, and maintaining regular oversight. Setup requires visiting Subscriptions/Recurring Payments, completing OTP verification, and configuring payment preferences.

Checking credit card subscriptions through Kotak's dashboard displays all active arrangements with merchant details, amounts, and action options (View, Edit, Cancel). Regular monitoring includes monthly reviews, enabling SMS alerts, and setting spending limits.

To cancel autopay in credit card arrangements: locate the subscription, click Cancel, provide remarks, confirm with OTP, and receive SMS confirmation. Cancelled subscriptions remain accessible via "View Inactive e-Mandate."

Successful management combines automated notifications with monthly audits and immediate removal of unused services. For personalised assistance with subscription management or technical support, contact Kotak's help center for expert guidance tailored to your specific needs.