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Welcome to the world of Kotak Credit Cards. Get credit cards online with a range of benefits. Our credit cards are designed with exclusive offers and discounts, the best-in-class rewards program, and attractive EMI offers. You can also conduct secured transactions with Kotak credit cards in India without worrying about cyber security threats.

Key Features and Benefits of Kotak Credit Cards
The credit cards offered by Kotak come loaded with a range of features and benefits. Some of the most notable Kotak credit card benefits are as follows -

Bonus reward points
Get periodic bonus reward points based on the usage of your card.

Annual fee waivers
Why pay the annual fee for the card when you can get it waived? Meet the minimum spending limit and get your yearly card fee waived.

Gift vouchers
Get gift vouchers across premium brands and shop to your heart’s content!

Savings on grocery shopping
Your everyday grocery shopping can become fun with attractive savings and discounts on your bills.

Lifestyle-based rewards
Eating out and going to a movie can become rewarding with freebies and discounts available on these best rewards credit cards in India.

Fuel surcharge waiver
You don’t need to pay an additional surcharge on your fuel consumption. With Kotak credit cards, get a fuel surcharge waiver across fuel stations.

Airport lounge access
Make traveling more fun with complimentary airport lounge access at both international and domestic airports.

Cashbacks
If discounts and gift vouchers are not enough, you can also enjoy cashback on Kotak’s credit cards.

Eligibility and Documents Required for New Credit Card
You need to fulfill specified credit card eligibility parameters when applying for a new credit card. Some of the most common eligibility criteria to get credit cards are:

Age: You should be at least 18 years and above.
Income: Your earnings should match the minimum income required for each credit card.
Occupation: Credit cards are available for self-employed and salaried individuals.
Credit score: You need a good score to get a credit card.
You will need to furnish the following documents with your online credit card application:

Identity proof
Age proof
Address proof
Income proof or employment details
PAN Card
Credit Card Interest Rates & Charges
Know the charges before you apply for credit cards:-

Joining fee

A fee is payable when the bank issues a credit card

Annual fee

A fee payable every year to use and maintain the card

Credit card interest rates

Interest is payable if you default on your credit card dues or if you make part payments on the outstanding bill

Late payment charges

Charges payable if you delay paying your credit card bills

EMI charges

Charges payable for converting your large-ticket purchases to convenient EMIs

Other charges

Card-specific charges for availing services from Kotak Mahindra Bank

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