Kotak Mahindra Credit Card FAQs

Handling a credit card can be difficult, especially if you are a newcomer. That’s why we have tried to provide solutions to some of the most searched credit card queries. Hopefully, it will help you to maintain your account properly.

Once your application is properly submitted, it takes about 21 days to process your application. During this period, you can track your kotak credit card application status. There are two options available 

  • From the online kotak mahindra credit card status tracking page:
    • Visit the Kotak credit card application tracking page.
    • Select the product type – “Credit Card”.
    • Enter your kotak credit card application number or your registered mobile number and click on “Submit”.
    • The status of kotak credit card application will be displayed on the screen.
  • By calling the kotak mahindra bank credit card customer number :

If you don’t want to go online, then you can call the kotak mahindra credit card customer service number and ask the customer service executive for the information.

  • How to track kotak credit card delivery status?

Once your Kotak credit card is dispatched, you will get an SMS with a tracking number/id and a tracking link. You can use those to track your kotak mahindra bank credit card delivery status.

  • How to activate my kotak mahindra credit card for the first time?

In order to activate kotak mahindra credit card for the first time, all you need to do is to generate a new kotak mahindra credit card pin. It can be done via – your net banking account, Kotak credit card mobile app, kotak official website, or by calling the customer care number.

  • From your Kotak net banking account:

If you have access to kotak credit card online net banking service, then you can generate your credit card PIN from there. 

    • Log in to your net banking account using your user id and password.
    • Go to the main menu and select the “Credit Cards” option.
    • Now from the drop-down menu select “Change or create 6 digit credit card/ATM PIN”
    • Now provide the required kotak mahindra credit card details (such as card number, expiry date, etc).
    • Select a new six-digit PIN and re-enter it.
    • Click on submit and your kotak credit card new pin will be generated instantly.
  • Using the Kotak Mahindra mobile app:

If you have access to both the Kotak net banking account and the kotak credit card mobile app , then you can also set your credit card PIN from your Smartphone using the kotak mahindra bank credit card mobile app. You can follow the steps given below.

    • Open the Kotak mobile app and go to the credit card section.
    • From there select the “Credit Card” option.
    • Now from the drop-down list select “Service Request”.
    • Select the “Re-generate PIN” option.
    • Provide some necessary details like your kotak credit card no , CVV, expiry date, etc.
    • Now, select a new PIN and re-enter it.
    • Confirm your selection and your card will be activated almost instantly.
  • From the Kotak Mahindra official website:

Those who don’t have access to the kotak bank credit card net banking or Kotak android app, activate their credit card from the official kotak mahindra website. You can follow the steps given below.

    • Go to the Kotak credit card PIN generation site and select the credit card option.
    • Provide the necessary credit card details like your kotak bank credit card no, CVV, expiry date, etc.
    • Now type a new kotak bank credit card pin and re-enter the same.
    • Now click on the “Confirm” option, and once your details are verified, your card will be activated almost instantly.
  • By calling the kotak credit card customers care number:

You can also activate your credit card by calling the kotak credit card toll free customer care no. Just call the toll-free number 1860 266 2666 and follow the IVRS instructions. You will be asked to provide your kotak credit card crn number, you can find it on the bottom left corner of your credit card. You can also send an SMS – ‘CRN’ to 9971056767 from your registered mobile number to know your CRN number.

  • How to activate kotak credit card online transaction for the first time?

If you have access to the kotak credit card android app, then you can turn on your credit cards’ online usage from there. 

    • First of all, open the Kotak credit card mobile app on your Smartphone.
    • Now go to the credit cards section and select the “Credit card service request” option.
    • Now select the “Card Controls” option.
    • Tap on the “Basic controls” option.
    • A drop-down list will open where you can see all the kotak credit card payment methods and their status.
    • Turn on the “Online transactions” option and your card will be activated for online transactions.
  • How to deactivate kotak credit card online transactions?

You can turn off the online transaction option on your credit card from the kotak credit card app. You can follow the steps given below.

    • First of all, open the Kotak credit card mobile app on your Smartphone.
    • Now go to the credit cards section and select the “Credit card service request” option.
    • Now select the “Card Controls” option.
    • Tap on the “Basic controls” option.
    • A drop-down list will open where you can see all the transaction methods and their status.
    • Turn off the “Online transactions” option and the online kotak credit card transactions will be temporarily disabled on your card.
  • How to withdraw cash using kotak credit card?

You can use your Kotak credit card just like a regular debit card to withdraw cash. But unlike debit cards, kotak credit card cash withdrawal is not free of cost. You will have to pay a withdrawal fee and also, there will be an interest rate (which can go up to 3.5% monthly) charged upon your total unpaid balance from the day of withdrawal. That’s why you should avoid withdrawing cash from your credit card unless there is an emergency. 

  • How to set a transaction limit on a Kotak credit card?

You can limit your credit card transactions from the Kotak credit card mobile app

  • First of all, open the Kotak credit card mobile app on your Smartphone.
  • Now go to the credit cards section and select the “Credit card service request” option.
  • Now select the “Card Controls” option.
  • You will get two options, “Basic controls” and “Advanced Controls”, choose the “Advance controls” options.
  • A drop-down list will open where you can see all the kotak credit card payment modes .
  • On the right-hand side of the online payment option, there will be an “Edit” option, tap on it.
  • Enter the amount you want to set as a maximum limit for that particular method (The amount should be within your credit limit).
  • Click on confirm and your entered amount will be set as the maximum transaction limit for that particular transaction method. Following the steps, you can set a specific for each of the transaction methods.

  • How to increase credit limit of kotak credit card?

Have you heard the popular saying, life is a do-it-yourself project, the same thing goes with credit limits. You have to build your own kotak credit card credit limit by yourself. It is a very time-consuming process. With proper kotak credit card usage and strict discipline, you can build a very good credit score as well as a credit limit within a few years. Click here to find more details about this process. 

  • How to block kotak credit card temporarily?

  1. From the mobile app for kotak credit card:

If you have registered the Kotak mobile app on your Smartphone, then you can temporarily block kotak credit card account from there.

  • Open the Kotak Mahindra mobile app.
  • Now go to the “Credit Cards” section.
  • Now tap on the “Credit card service request” option.
  • Tap on the “Cards controls” option, and a new page will open.
  • There will be two options on your screen: “Basic controls” and “Advanced controls”.
  • Tap on the “Advanced control” option, and a new drop-down list will open.
  • At the top of the list, there will be the “Card status” option 
  • Turn the card status into “Locked”, confirm your selection, and your kotak mahindra card will say locked until you manually unlock it.

2. From kotak mahindra bank credit card net banking account:

If you have access to the kotak bank credit card internet banking account, then you can also block your card from there.

  • Visit the Kotak net banking portal and log in to your account.
  • Now go to the “Credit Cards” section.
  • There you can find the “Service Request” option, click on it.
  • Find the report “Lost/Damaged” card option and click on it.
  • Once your report is submitted successfully, the bank will block your card instantly

3. By sending an SMS.

If you don’t have access to both the kotak bank credit card netbanking and the mobile app, then you can also block kotak mahindra credit card with just an SMS: “KCCLOST<Space>The last four digits of your credit card number” and send it to 5676788

  • How to replace kotak credit card?

As you report your card as lost, it will be blocked and replaced automatically. The new credit card will be delivered to your registered mailing address. The kotak credit card replacement is not free of cost, there will be kotak credit card replacement charges of Rs. 100 + GST. You can find more about the process of reporting from question number 9. 

  • How to enable international usage on kotak credit cards?

As per the new regulation of RBI, the kotak credit card international usage on new cards is turned off. But that does not mean, you cannot make international payments using your Kotak credit card. You just have to turn it on manually. You can do it from the Kotak credit card mobile app.

    • First of all, open the Kotak credit card mobile app on your Smartphone.
    • Now go to the credit cards section and select the “Credit card service request” option.
    • Now select the “Card Controls” option.
    • Tap on the “Basic controls” option.
    • A drop-down list will open where you can see all the transaction methods and their status.
    • Turn on the kotak international credit card option, confirm your selection and your card will be ready to be used internationally.
  • How to check kotak mahindra credit card statement?

You can check the details of transactions for a selected period from your netbanking account or from your kotak credit card mobile banking account.

  1. From your kotak mahindra bank credit card net banking account
    • First of all, log in to your net banking account.
    • Go to the credit card section.
    • You will find the “Statement” option on the left-hand side of your screen, click on it.
    • Now click on the “Transaction history” option.
    • Select the time frame, transaction type (All/Credit/Debit), and click “Ok”. 
    • Now you can see all your kotak credit card transactions made within your selected time frame.

       2. From the Kotak credit card mobile app

    • Open the Kotak mobile app on your smartphone.
    • Go to the credit card section.
    • Now tap on the “CC Statement” option.
    • Select the card (if you have multiple cards)
    • Select the time frame.
    • Now tap on the “Submit” option.
    • Now you can see all the transactions made within your selected time frame.
  • How to file a kotak credit card transaction dispute?

If you notice some suspicious transactions on your credit card statement, you can file a dispute against the transaction/transactions. The process is very simple: you just have to download the kotak credit card dispute form, fill it properly, and then send it to the kotak credit card department from your netbanking account. The kotak credit card dispute form submission online process is discussed below.

    • Log in to your netbanking account.
    • Click on the “help” option you can find at the top right corner of your screen.
    • Click on the “Inbox” option and then on the “Compose mail” option.
    • Provide all the necessary details and attach the form along with the necessary documents. 
    • Now click on send.

You can find the list of necessary documents mentioned on the form. Once your dispute is successfully filed, the disputed transaction on kotak credit card will be put on hold. The bank will initiate an investigation, and if your claim proved to be true, you will get a full refund, otherwise, you will have to pay a penalty.

  • How to check the kotak mahindra credit card payment due date?

Both your due date and your kotak mahindra credit card billing cycle are mentioned on the first page of your monthly kotak mahindra credit card statements . You can also check your due date from your kotak credit card mobile app, the details are discussed in question no 16.

  • How can I get loan on kotak bank credit card?

Kotak Mahindra allows you to get an instant loan on kotak credit card, you can apply for a loan from your Kotak Mahindra mobile app

    • First of all, open the Kotak Mahindra mobile app on your Smartphone.
    • Go to the “Credit Cards” section.
    • Now tap on the “Loan on credit card” option.
    • A new page will open where you can see all the terms and conditions of kotak mahindra credit card loans.
    • Click on “Proceed” and a new page will open, displaying the maximum kotak instant credit card loan amount and tenure you can get.
    • Select the kotak bank credit card instant loan amount and the tenure, and you can see the applicable interest rate and monthly installment amount on your screen.
    • Verify the bank details (the app will autofill the information), and tap on the “Submit” option.
    • The kotak credit card personal loan amount will be credited to your selected bank account within 5 working days.
  • How to know kotak mahindra bank credit card balance?

You can check your available balance in kotak credit card, from the Kotak mobile app.

  • Open the Kotak Mahindra mobile app.
  • Go to the “Credit Cards” section.
  • Tap on the “CC A/c Summary” option.
  • You may need to provide your kotak mahindra bank credit card log in credentials.  
  • Once you have logged in, you can see all your kotak mahindra bank credit card details (Your total outstanding, kotak bank credit card balance, due date, etc) on your screen.
  • How to convert emi in kotak mahindra bank credit card?

You can convert your high-value transactions into EMI using the Kotak Mahindra mobile app.

    • First of all, open the Kotak Mahindra mobile app on your Smartphone and go to the “Credit Cards” section.
    • Now tap on the “Convert to EMI” option.
    • You will be asked to provide your login credentials.
    • A new page will open where you can see the terms and conditions of credit card EMIs.
    • Tap on the “Apply Now” option and you can see your eligible kotak credit card unbilled transactions on the screen.
    • Tap on the transaction, you want to convert.
    • Select the tenure and you can see the applicable kotak mahindra credit card emi interest rate and monthly installment amount on your screen.
    • Once you are satisfied, tap on the “Submit EMI Conversion” option.
    • You will be asked to verify your selections, go through the details, and tap on “confirm”.
    • Your transaction will be converted into EMI within 24 hours. The installments will be added to your monthly kotak mahindra credit card statements.
  • How to check kotak mahindra bank credit card emi status?

To check the status of your active EMIs, first of all – 

    • Open your Kotak Mahindra mobile app.
    • Now go to the loans sections.
    • Here you can find the “Consumer durable loan” option, tap on it.
    • Now you can see the list of your active loans.
    • Now you can check the installment status of each of your active loans by clicking on them.
  • How to change kotak credit card address?

There are several methods to change your registered postal address. The processes are discussed below.

  1. From your kotak credit card internet banking account:
    • Log in to your net banking account using your login credentials.
    • Click on the “Settings” option you can find in the left-side menu.
    • A new list will open, where you can find the “Profile” option, click on it.
    • Now, click on the “Edit” option next to your postal address.
    • You will get an OTP on your registered mobile number, enter the OTP in the new pop-up window on your screen and click on “Next”.
    • Now select one of the options given below – 
      1. Update address using Aadhaar no and OTP (Instant update)
      2. Update by updating address proof (may take 1 working day)
      3. Once you have selected your desired option, click on the “Next” option.
      4. Now provide necessary details, for instance, if you choose the Aadhaar id option, then you will only have to provide the OTP which you will get on your registered mobile number. 

    Once all details are submitted and verified, submit your application and your address will be changed.

  1. By visiting your nearby branch:

You can also visit your nearby Kotak branch, Fill up and submit the kotak mahindra credit card address change form. You will have to provide your self-attested address proof (Aadhaar Card, Driving license, Passport, etc.)

       2. By calling the kotak bank credit card customer service number:

Just call the kotak credit card toll free customer care number (1860 266 2666) and ask the customer service executive to change your registered postal address. He/she will guide you through the process.

  • How to change email id for kotak credit card?

You can change your registered email address from your kotak mahindra credit card net banking account or from the mobile app. You can follow the steps given below-

  1. From Kotak net banking account:
    • Log in to your kotak credit card online banking account using your login credentials.
    • Click on the “Settings” option you can find in the left-side menu.
    • A new list will open, where you can find the “Profile” option, click on it.
    • Click on the “Update” option next to your email address.
    • Enter and re-enter your new email id, and click on the “Update” option.
    • Your email id will be changed instantly.

       2. From the kotak credit card mobile app :

    • Open the Kotak credit card app and tap on the “Profile” option.
    • Now tap on the “Email id update” option.
    • You may be asked to provide your mPIN, enter it and a new page will open.
    • Enter and re-enter your new email id, and tap on “Update”.
    • Your email id will be updated instantly.
  • How to pay kotak credit card bill offline?

If you don’t have access to the online payment option, then you can pay your kotak card credit card bill offline. The processes are discussed below.

  1. Pay kotak credit card bill by cheque :
    • Issue a cheque in favor of the Kotak Mahindra Bank. Write “Kotak Mahindra Bank Card A/C <your 16 digit of your kotak bank credit card number>” as the receiver’s name.
    • Now drop it at your nearby dropbox. To locate your nearby dropbox just SMS “K DROPBOX <6 digit PIN code>” and send it to 5676788. Also, try to make the payment at least 6 days before your due date.

       2. Make kotak credit card payment by cash :

If you feel uncomfortable with the cheque payment method, then you can visit your nearby kotak mahindra credit card branch and pay your credit card bill in cash. But if you pay your credit card bill in cash, you will have to pay a cash payment fee of Rs. 100.

  • What happens if I only pay the kotak credit card minimum amount due?

The kotak credit card minimum amount due payment is a portion of the total due amount on your kotak bank credit card bill (normally around 5%).

If there is an emergency and you have no option left to pay your complete credit card bill, you can pay the minimum due amount to avoid the kotak bank credit card late payment charges, also the bank will not flag you as a defaulter.

But the story does not end here. No matter, you have paid the minimum due amount or not, if there is an outstanding balance on your credit card after the kotak credit card due date, the bank will start counting interest (around 3.5% monthly) on your average daily balance, causing your kotak credit card outstanding balance to swell up rapidly (unless you hold a zero interest rate card). And if it continues just for a few months, you would definitely fall into a debt trap, your credit score will get severely damaged, and Kotak Mahindra bank may also cease your credit card account.

    Therefore, it is recommended to pay your kotak mahindra credit card bill in full, and if there is an emergency and you can do nothing to pay the bill in full, then at leat pay the minimum due amount and stop using the card untill you make a full repayment.

  • How to close my kotak mahindra bank credit card account permanently?

If you want to close your old kotak credit card account, then visit your nearby Kotak credit card branch and submit a written application. 

A credit card account can only be closed when there are no unpaid balances on it. The bank will check all the details of your account, and if everything is ok, they will initiate the kotak mahindra credit card cancellation process. You should also ask them for an acknowledgment saying that your account has been closed and there was no unpaid balance in it. You should also destroy your old credit card by slicing it through the magnetic strip and the EMV chip. 

1 thought on “Kotak Mahindra Credit Card FAQs”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: