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Don’t be put off by the term ‘credit’. If used wisely, credit cards are a convenient tool to manage your short-term financing needs. A credit card is a financial tool that lets you borrow a certain sum of money and repay it back later in instalments. An interest is charged only if the credit amount is not repaid within the grace period which usually ranges between 20 to 60 days. Whether you want to make online payments or swipe the card at a restaurant, everything is possible with a credit card. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashbacks, frequent flyer miles, credit score etc. A credit card is certainly a must-have item in your wallet.
At Kotak Mahindra Bank, we understand the diversity of our customer’s needs. Hence Kotak Bank offers a wide range of credit cards based on your buying preferences. We have categorized our credit card rewards centred on your preferences such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you are free to choose a credit card that earns you extra points on the things that matter the most to you. So go ahead, explore and compare our wide assortment of credit cards in order to find the perfect match. Once you find the right credit card, you will be able to earn as you spend!
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit. It is issued by banks and financial institutions to bring convenience of payment. Credit cards act as a micro loan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). A custom borrowing limit is pre-set by the issuer and this determines the maximum amount of credit a user can spend from a credit card. Credit card brings users the opportunity to save big through discounts and deals, making it a popular choice.
A debit card lets you withdraw money that you have previously deposited into your bank account. It is linked to your account and is offered as an add-on facility by banks and financial institutions. A credit card on the other hand, lets you make spends on the terms of a short term loan. The bank enables you to make transactions to a given limit. Rather than having to make repayments on per use basis, there is a bill generated of the total repayment due at the end of each billing cycle.
The eligibility criteria for a kotak credit card will vary for every applicant. However, there are some criteria that remain uniform and these include:
Applying for a credit card is a fairly simple process. The steps to follow include:
When you use your credit cards to purchase certain products, you can earn reward points. The amount of points you earn through a purchase will depend upon the category and the type of credit card held by the individual. Accumulated reward points can be redeemed against purchases made at selective merchant outlets or can be converted into Easy Points to be redeemed against Airline tickets, Mobile recharge, Movie tickets, Cash and Branded merchandise.
Reward points can be redeemed as soon as the point balance reflects in your credit card account. You must note that some reward points come with an expiry date. This means that they must be used within the stated time frame or they may become invalid. Thus, it is essential to carefully read through the credit card agreement and know of the validity and expiry of the reward points.
Credit cards can be actively used for international transactions. However, you will incur a transaction fee that is known as Foreign Currency Markup Fee. The fee is about 3.5 % + GST. Additionally, you will have to contact the bank for enabling or disabling usage of your card at the time of international travel.
The add-on credit card facility is offered by the issuer to the primary applicant. It can be used by the relatives of the card holder including the spouse, child, parents and siblings. The add-on credit holder must be 18 years of age and above. It includes all the benefits as provided with the primary credit-card and the primary applicant can set a credit-limit for the card.
The first course of action in the case of theft or loss of your credit card is getting it blocked by contacting the bank. This prevents the risk of an unauthorized transaction. You can use the customer care number to inform the official representatives of the loss or theft. Upon doing this, they will block the existing card and begin the procedure for issuing a new credit card.
The credit card purchasing and withdrawal limit is determined by the bank at its sole discretion. The pre-determined limit is stated on the agreement letter and communicated to the consumer at the time of card delivery. Some of the standard aspects reviewed when deciding the limit include the income of the applicant, credit history and outstanding debts/loans/EMI payable.
Credit card balance transfer is the process of transferring owed balance from one credit card account to another. Upon carrying out this process, the debt is owed to the new card issuer as opposed to the original card issuer.
Credit cards are a convenient tool for managing your short-term financing needs. A credit card lets you borrow certain money and repay it later in instalments.
Credit cards in India have become a popular payment method. More than half the population owns instant-approval credit cards. To get a credit card, apply online using the following steps:
● Visit Kotak Mahindra Bank’s website
● Check your credit card eligibility
● Fill out the online application form and submit it
● Track your application status online
At Kotak Mahindra Bank, it is easy to understand how to apply for a credit card.
Here are the eligibility criteria for a credit card:
● For the Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, and Urbane Gold Credit card primary applicant must be in the age bracket of 21 – 65 years.
● For 811 Dream different Credit card, NRI Royale Signature Credit card, the primary applicant should be in the age bracket of 18 years to 75 years.
● Must be an Indian resident
● Must be a salaried employee or self-employed (With income proof)
● Must meet the income requirement set by the bank
● Must be a resident of the serviceable locations within India
With Kotak Mahindra Bank’s free credit card apply option, applying for a credit card is a relatively simple process. Here are the steps on how to get a credit card:
● Clicking the "Apply Now" icon in the section of the credit card that you wish to avail Alternatively, you can visit the bank branch or get in touch with an official representative
● Submit applicant details such as name, age, birthdate, residential address, net income, PAN and others
● Must provide proof of personal documents, PAN Card, KYC documents, proof of address and proof of income or employment status
● Keep track of application status.
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit.
The issuer offers the add-on credit card facility to the primary applicant.
To get an instant credit card, you must apply online, but choosing a credit card for the first time is a little difficult. The following points must be considered when you are choosing a credit card for the first time:
● Check annual fees and other charges
● Check the maximum credit limit
● Check the latest offers available on the credit card
● Check the payment options available
● Check the rate of interest charged on the balance amount
● Check the cash withdrawal charges
The first action in the case of theft or loss of your credit card is to get it blocked by contacting the bank. This prevents the risk of an unauthorized transaction.
You can use the customer care number to inform the official representatives of the loss or theft. Upon doing this, they will block the existing card and begin the procedure for issuing a new credit card.
Within the stated time frame, or they may become invalid. Thus, it is essential to carefully read through the credit card agreement and know the reward points' validity and expiry.
Once you know how to get a credit card, applying for it online is a quick process.
The free credit card apply feature allows you to get a credit card instantly and helps you earn. Here is how you can redeem your Kotak credit card rewards:
● Cashbacks- Your available reward points can be redeemed as cashbacks which can be transferred into your statement credit.
● Shopping- Reward points can be redeemed while shopping at specific stores with which the credit card issuer collaborates.
● Loyalty Programs- You can redeem your reward points through loyalty programs at hotels, restaurants and airlines.
Set a pre-shopping budget, maintain credit utilisation below 30%, enable real-time transaction alerts, and use multiple cards to distribute spending. Consider setting merchant-specific limits for better control over festive shopping.
Cashback provides immediate value and flexibility, while reward points often offer higher value when redeemed for travel or premium experiences. Kotak Cashback+ Credit Card offers direct cashback, eliminating redemption complexity.
Convert purchases above ₹25,000 to EMI if needed, but ensure you understand the interest and fees involved. Electronics, jewellery, and home appliances are ideal for EMI conversion. Consider 3-6 month tenures to minimise interest costs while maintaining affordability.
Most credit cards, including Kotak cards, offer rewards on gift voucher purchases from partner merchants. However, direct bank-to-bank gift voucher purchases may not qualify. Check specific terms for credit card rewards eligibility on voucher transactions.
The Cashback Plus card offers 5% on key partner brands (fashion, dining, entertainment) making it ideal for varied festive spending. The UPI RuPay card suits those preferring digital payments across all merchant types, including small vendors.
Cards that offer high cashback on online shopping and instant discount partnerships with retail platforms perform best. Kotak's Cashback+ Credit Card provides competitive rewards during festival seasons.
An unsecured credit card does not require any collateral or fixed deposit, while a secured credit card is backed by an FD. Unsecured cards are issued based on your credit score and income, whereas secured cards are easier to obtain for those with limited credit history.
Getting an unsecured credit card with no credit history can be challenging, as banks assess creditworthiness before approval. If you're new to credit, consider starting with a secured credit card to build your credit score, then upgrade to an unsecured variant.
Eligibility for an unsecured credit card typically includes a credit score of 750 or above, stable income proof (salary slips or income tax returns), age between 21-60 years, and residency in India. Requirements may vary by bank and card type.
Interest rates on unsecured credit cards are similar to secured cards, typically around 3-3.5% per month on outstanding balances. The key difference lies in approval criteria and credit limits, not interest rates. Always check your card's fees and charges before applying.
An unsecured credit card helps build credit by reporting your repayment behaviour to credit bureaus. Timely payments, maintaining a low credit utilisation ratio (below 30%), and avoiding defaults improve your credit score over time, making you eligible for better financial products.
An unsecured credit card helps build credit by reporting your repayment behaviour to credit bureaus. Timely payments, maintaining a low credit utilisation ratio (below 30%), and avoiding defaults improve your credit score over time, making you eligible for better financial products.
Yes. You can avoid over limit fees by opting out of the over limit facility. When this facility is disabled, any transaction that would push your balance beyond the credit limit will be automatically declined. Additionally, setting up spending alerts, tracking your balance regularly, and paying off outstanding dues promptly can help you stay within your limit and avoid penalties.
Over limit fees typically range from approx. ₹500 to ₹1,500 per billing cycle, depending on the card type and the amount by which the limit is exceeded. Some banks charge a flat fee for smaller breaches, while others apply a percentage-based fee—usually around 2.5% of the exceeded amount. The exact fee structure is disclosed in your card's terms and conditions.
Yes, exceeding your credit limit can negatively impact your credit score. Credit bureaus track your credit utilisation ratio, and consistently high utilisation or breaching your limit signals financial stress. This can lower your creditworthiness and make it harder to secure loans or new credit lines in the future. Keeping your utilisation below 30% is generally recommended for maintaining a healthy credit score.
You can check your credit limit and outstanding balance through multiple channels. Log in to your bank's mobile app or net banking portal to view real-time information. You can also call customer service or check your most recent billing statement.
You can apply for a Travel Credit Card online in just a few steps. Check eligibility, fill in your personal and income details, upload documents, and complete the verification. Once approved, your travel credit card will be issued quickly.
A regular credit card offers general rewards across categories, while a travel credit card is tailored for frequent flyers. With Kotak’s Travel Credit Cards, you can get higher rewards on travel bookings, flight discounts, and international travel perks.
The best credit card for international travel is one that offers high reward points, low forex currency mark-up benefits, and global lounge access. Kotak’s Air+ and IndiGo Credit Card is one of the top choices for international flyers.
The primary benefits include accelerated cashback on specific online categories like food delivery, groceries, entertainment, and fuel. It also provides a standard cashback rate on other eligible spends. Note that common categories like utility bills, rent, and wallet loads are excluded from earning cashback.
The smartest method is to use your credit card as a payment tool, not as a source of extra funds. Create a detailed festive budget first, spend only what you have planned, and make it a priority to pay the entire bill in full by the due date. You can also strategically use your card to get discounts or rewards on purchases you were already planning to make.
The best way to avoid debt is to create a realistic budget based on what you can comfortably afford to repay. Track your spending diligently using your banking app and transaction alerts to ensure you do not exceed your self-imposed limits. Most importantly, avoid making impulse purchases that are not on your original shopping list.
Using an EMI converts a large purchase into smaller, more manageable payments, but it is important to remember that it is still a form of debt. You should only consider it for essential, high-value items that you have already budgeted for. Before opting in, always read the terms carefully. Avoid accumulating multiple EMIs at once, as this can put significant pressure on your monthly budgets for a long time.
Yes. Many banks and financial institutions offer credit cards for applicants with no prior credit history. These cards are designed to help first-time users start building their credit profile through regular and responsible usage.
Yes. A secured credit card, backed by a fixed deposit, can help in building a credit score. The payment history and spending behavior on such cards are usually reported to credit bureaus, contributing to credit score development.
Applicants generally need to submit identity proof, address proof, income documents, and, in the case of a secured card, details of the linked deposit. Requirements can vary depending on the issuing bank’s policy.
Yes. Some banks offer credit cards specifically created for individuals with no credit record. These may include secured cards or entry-level cards with basic benefits to help users begin their credit journey responsibly.
Yes, it is one of the simplest and most reliable ways to build a credit score. A secured card backed by a fixed deposit helps first-time users show repayment discipline. Over time, this consistent record can make them eligible for unsecured cards with better benefits.
The required amount varies across banks. It usually depends on the minimum credit limit the bank offers. Typically, banks set the minimum FD amount to ensure the credit limit aligns with internal risk guidelines. It’s best to check with the issuing bank for specific details.
Yes, most secured credit cards can be used internationally once global usage is enabled. However, international transactions may attract certain charges depending on the bank’s terms. Cardholders should verify applicable fees and limits before using the card abroad.
Yes, since a secured card is backed by a fixed deposit, the bank faces less risk. This makes it easier for applicants with limited or no credit history to get approval. It is often the preferred option for individuals starting their credit journey.
Both secured and unsecured cards can improve credit scores when payments are made on time. A secured card is particularly useful for beginners, while an unsecured card helps maintain a strong score once credit history is established. Regular usage and timely repayment matter most.
In most cases, yes. Unsecured credit cards come with wider reward programs, including cashback, discounts, and travel benefits. Secured cards, on the other hand, focus more on helping users build credit, offering limited but essential features.
A CIF (Customer Information File) number is a unique number assigned to each customer by the bank. It acts as a digital identity that stores all personal, financial, and account-related details in one place.
This number helps the bank track and manage every customer’s data across savings accounts, fixed deposits, loans, and credit cards under a single profile. It also ensures that services like KYC verification, account updates, and digital banking are carried out smoothly.
The CIF number can be located easily through several channels. Customers can check it on the first page of their passbook, account statement, or chequebook. For those using digital services, the number can also be viewed by logging into the mobile banking app or internet banking portal — it’s usually listed under “Account Details” or “Profile Information.” If the CIF number isn’t visible on any of these, customers can also contact customer care or visit their nearest branch to get assistance.
Typically, a customer has only one CIF number per bank. This unique number remains constant even if multiple accounts are opened, such as savings, current, fixed deposits, or loans. The idea behind assigning a single CIF is to maintain a consolidated record of all relationships that the customer holds with the bank. However, if a person holds accounts in two different banks, each bank will have its own CIF for that customer, since it’s unique to the institution.
The CIF number serves as the central reference point for a customer’s profile. It contains key information such as
It also includes linked services such as internet banking, debit or credit cards, and other financial products availed through the bank. This comprehensive data helps the bank deliver personalized services and maintain secure, accurate financial records.
Never share your CIF number publicly. It is confidential and linked to your banking profile.
While it doesn’t directly allow transactions, it is tied to personal and account data that can be misused if it falls into the wrong hands. Customers should avoid sharing their CIF number through emails, messages, or phone calls, especially with unverified individuals or third-party platforms.
For any verification purpose, it’s always advisable to share such details only through official and secure banking channels.
No, the CIF number remains the same across all accounts held with the same bank.
If a customer opens another savings account, a fixed deposit, or applies for a credit card, the bank links these products to the same CIF number. This allows the bank to maintain a unified view of the customer’s entire relationship, ensuring easier management and quicker service.
Yes. Most banks provide easy access to CIF numbers through digital platforms. Customers can log in to their mobile banking app or internet banking portal and find the number under their account summary, profile, or account details section. Some banks may also include the CIF number in e-statements sent via email. This convenience makes it easier for users to access their CIF details anytime without needing to visit a branch.
If the CIF number is not available on any document or digital channel, the customer can contact the bank directly.
There are a few simple ways to retrieve it:
Call customer care and request the CIF number after verification.
Visit the nearest branch with valid ID proof to get the number in person.
Check an old passbook or statement, as the number often remains printed there.
The bank’s representatives will verify identity and share the CIF number securely once the customer’s credentials are confirmed.
Most credit card issuers allow post-purchase EMI conversion for transactions above minimum thresholds through mobile apps or internet banking. Eligibility depends on your card type, credit limit, and transaction amount. Processing fees typically apply, and the conversion must usually occur within a specified timeframe from the purchase date.
No-cost EMI involves an upfront discount equivalent to the interest component. The merchant or manufacturer absorbs this cost, resulting in zero additional charges beyond the product price for you. However, processing fees and applicable taxes may still apply. The total amount paid through instalments equals the original product price.
Most credit card issuers allow post-purchase EMI conversion for transactions above minimum thresholds through mobile apps or internet banking. Eligibility depends on your card type, credit limit, and transaction amount. Processing fees typically apply, and the conversion must usually occur within a specified timeframe from the purchase date.
Extended warranty typically features on premium and super-premium cards. Coverage terms, eligible products, and duration extensions vary by issuer and card type. Review your card's benefits guide or contact your issuer to confirm specific coverage details before relying on this benefit for expensive purchases.
Essential documents include original purchase receipts, card statements showing the transaction, police reports for theft claims, photographic evidence for damage claims, and completed claim forms from your issuer's benefit administrator. Maintain digital copies of all purchase documentation for high-value items to expedite potential claims.
Yes. Even if there is no outstanding balance on the card, closing it reduces your total available credit limit. This can increase your overall credit utilisation ratio if you have balances on other cards, which may cause a slight dip in your credit score.
Paying in the local currency is usually the smartest option. When you pay in INR, you may be subject to Dynamic Currency Conversion (DCC), which could result in a worse exchange rate and additional fees from your bank.
While prepaid cards allow you to lock in exchange rates, a zero-forex credit card offers better liquidity, earns reward points on international spends, and eliminates the need for manual reloading. It is often the more convenient option for high-value transactions and hotel bookings.
No, prepaid cards usually do not affect your credit score. You are spending your own money rather than borrowing from a bank, so there is no credit history to report. If you want to build credit, a traditional or secured credit card is a better choice.
Yes, many prepaid cards work on global networks like Visa or Mastercard and can be used for international payments. However, always check if your card provider supports spending in foreign currencies and whether there are any additional charges.
If you lose your card or it is stolen, block it immediately using the mobile app or by calling customer service. Most card issuers allow you to recover the remaining balance by issuing a replacement card. This is much safer than losing cash, as long as you report the loss quickly.
Most banks permit billing cycle changes once or twice annually. Frequent changes disrupt accounting cycles and complicate payment tracking. Evaluate your income schedule before requesting a change to select a due date that works long-term. If income patterns vary, choose a date accommodating your most common cash flow scenario.
Changing your billing cycle does not impact your credit score. Your credit report tracks payment history, credit utilisation, and account age—not billing dates. During transition, ensure timely payments as late payments will affect your score. Monitor your account during the first two statement periods after the change to avoid missed payments.
Unbilled transactions appear in your next statement under new billing dates. Previously billed transactions remain due on the original due date. The transition statement may cover a shorter or longer period depending on whether your new cycle date is earlier or later than the previous one.
Banks process billing cycle changes within 7-10 working days. The new cycle becomes effective from the following statement generation date. If you request a change on the 15th and your statement generates on the 20th, the new cycle begins after that statement, affecting the subsequent billing period.
Your credit limit, reward points, cashback benefits, and card features remain unchanged when you modify your billing cycle. The adjustment only affects statement generation and payment due dates. All accumulated rewards, ongoing offers, and benefits continue without interruption. Check if your bank charges a processing fee for the change.
Not necessarily. Most banks give you a 3-day grace period after the due date before reporting a payment as "late" or "past due" to credit bureaus. It is still best to pay on time, however, to avoid small late penalties and the interest that builds up on your balance.
Yes. Paying the Minimum Amount Due (MAD) just keeps your card active and stops you from getting late fees. Interest will keep adding up on the outstanding balance from the date of the original transaction. To avoid paying interest, you need to pay the Total Amount Due (TAD) by the due date.
Yes. Cash advances, also called cash withdrawals, start earning interest right away and continue to accrue until the balance is repaid. Additionally, a standard cash withdrawal fee is charged. Cash advances do not enjoy an interest-free grace period the way ordinary purchases do.
If a customer doesn't activate their credit card within 30 days of receiving it, the bank must cancel the account. This is a safety measure to prevent misuse of cards that may be lost, stolen, or inactive.
You can easily track your progress through our mobile banking application or by reviewing your monthly statement. Once a milestone is met, you will typically receive a notification via SMS or email with your redemption codes.
Most retail spends are eligible, but certain categories, such as rent payments, loading digital wallets, or educational fees, are usually excluded. It is best to check your specific card’s terms to see which categories contribute to your rewards.
While many cards offer a discount at the physical counter, the most substantial savings and “Buy One Get One” offers are often exclusive to digital bookings. We recommend using the official cinema app for the best possible deal.
6E Rewards Credit Cards have been migrated to the new IndiGo Kotak credit card, maintaining the annual fee of the 6E Rewards Credit Card that you were holding.
If you had a 6E Rewards XL card (annual fee – Rs.1500), you would have received the IndiGo Kotak CC at a joining/annual fee of Rs.1500. All benefits of the new card are available to you.
If you had a 6E Rewards card (annual fee – Rs.700), you would have received the IndiGo Kotak CC at a joining/annual fee of Rs.700. All benefits, except joining and renewal benefits, are available to you.
The new IndiGo Kotak Cards are feature-rich. To take a glimpse, jump to our Value Chart and take a look at what the card has to offer. Welcome benefit, IndiGo BluChips on every transaction, milestone and renewal benefits are available to all cardholders.
If your 6E Rewards credit card was migrated to the new Indigo Kotak Credit Card, then the below is applicable for you:
For IndiGo 6E Rewards XL cardholders who were migrated to the IndiGo Kotak Credit Card, all benefits will be available. Joining/Annual fee will be Rs.1500.
For IndiGo 6E Rewards cardholders who were migrated to the IndiGo Kotak Credit Card, welcome and renewal benefits will NOT be available. All other benefits of the IndiGo Kotak card will be available. Joining/Annual fee will remain at Rs.700 until your card’s expiry.
Post migrating to the new IndiGo Kotak Credit Card, customers will be subject to a new anniversary cycle, effectively reinitiating their card anniversary date. This means a joining fee will be levied for the month of October ’25, and upon payment, they will receive the welcome benefits (if applicable on the card they are holding).
If a customer was levied an annual fee on their 6E Rewards card from April ’25 onwards and they have paid the fee within the due date, then they are eligible to receive:
700 IndiGo BluChips if they had a 6E Rewards card, post activating the new IndiGo card (within 30 days).
1500 IndiGo BluChips if they had a 6E Rewards XL card, post activating the new IndiGo card (within 30 days).
This is a compensatory upgrade bonus and will be credited to the customer’s BluChip account.
You can find your virtual card in your Mobile Banking app, from where you can activate the card and access other details.
If your IndiGo Kotak physical card was dispatched to you, you would have received the dispatch SMS and tracking ID. If you have changed your address or moved to a new location, and want your card delivered to the new location, please follow these steps:
Update the new address details with the bank. Click here for updating it through Net banking or the old Mobile Banking app. If you are using the new Kotak Mahindra Mobile Banking app click here.
Then give a call to 1800 4100 for re-dispatch (charges apply).
The IndiGo Kotak Premium Credit Card comes with premium perks – More IndiGo BluChips for your transactions, complimentary airport lounge access, and more!
To know more about the premium variant, please click here.
If you were a 6E Rewards cardholder, by 3rd October ’25, all your 6E Rewards balance was converted to IndiGo BluChips with an 18% bonus and credited to your BluChip account. This bonus is exclusive to Kotak 6E Rewards cardholders to give them a kick-start with the new card.
The new IndiGo Kotak Cards are feature-rich. To take a glimpse, check our Value Chart and see what the card has to offer. Welcome benefit, IndiGo BluChips on every transaction, milestone benefit, renewal benefit, and domestic lounge access are available to cardholders.
If you have upgraded from the 6E Rewards card to the IndiGo Kotak Premium card, you will be subject to a new anniversary cycle, effectively reinitiating your card anniversary date. This means a joining fee will be levied for the month of October ’25, and upon payment, you will receive the welcome benefits.
If a customer was levied an annual fee on their 6E Rewards card from April ’25 onwards and has paid the fee within the due date, then they are eligible to receive:
700 IndiGo BluChips if they had a 6E Rewards card, post activating the new IndiGo card (within 30 days).
1500 IndiGo BluChips if they had a 6E Rewards XL card, post activating the new IndiGo card (within 30 days).
This is a compensatory upgrade bonus and will be credited to the customer’s BluChip account.
You can find your virtual card in your Mobile Banking app, from where you can activate the card and access other details.
If your IndiGo Kotak physical card was dispatched to you, you would have received the dispatch SMS and tracking ID. If you have changed your address or moved to a new location, and want your card delivered to the new location, please follow these steps:
Update the new address details with the bank. Click here for updating it through Net banking or the old Mobile Banking app. If you are using the new Kotak Mahindra Mobile Banking app click here.
Then give a call to 1800 4100 for re-dispatch (charges apply).
Banks review your repayment history, credit utilisation, and spending patterns periodically. Paying your full outstanding balance on time, keeping utilisation under 30%, and maintaining a clean credit history signals financial reliability.
Yes. Paying only the minimum due keeps your account active and avoids a late payment flag, but it does not eliminate interest charges, and it signals credit bureaus that you are carrying out a revolving balance. Over time, this increases your credit utilisation and can reduce your score.
Below 30% is the standard benchmark, and below 10% is considered excellent. A low utilisation ratio tells credit bureaus that you are not dependent on credit to manage expenses, which improves both your score and your eligibility for limit enhancements.
The Kotak Mobile App breaks down your credit card spends by category in real time. You can review your current billing cycle, check past statements, and set up payment reminders or auto-debit. Knowing where you spend helps you stay within your budget and hit milestone thresholds without overshooting.
Fuel surcharge waivers vary across cards based on transaction limits, capping per billing cycle, and the fuel brands covered. The IndianOil Kotak Credit Card offers a 1% fuel surcharge waiver on transactions between ₹100 and ₹5,000 at IndianOil outlets, capped at ₹100 per statement cycle.
The Kotak Cashback+ Credit Card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 across all fuel stations, with a higher annual cap of ₹1,800. The better option depends on your monthly fuel volume and preferred fuel brand.
The Kotak Cashback+ Credit Card offers 5% cashback on online food delivery* spends.
This cashback is credited as reward points at 1 point = ₹1, redeemable against your outstanding statement.
Using this card alongside any active membership or loyalty programme on these apps lets you earn from both simultaneously; platform benefits do not offset card cashback.
The annual fee of ₹449 is waived if you spend ₹50,000 in the preceding anniversary year.
For a regular commuter spending ₹8,000–₹10,000 monthly on IndianOil fuel alone, the reward points earned in that category can exceed the annual fee value within a few months.
Whether the card is worth it, it depends on how frequently you refuel at IndianOil outlets and whether your annual spend meets the waiver threshold.
Yes, with IndianOil Kotak Credit Card and Kotak Cashback+ Credit Card, you can earn reward points on IndianOil fuel spends and grocery and dining transactions.
These run simultaneously on the same card, so a single billing cycle can accumulate points across both categories.
Cashback is credited directly to your card account and reduces the amount you owe. Fuel points, on the other hand, are reward points linked to fuel‑related spending and can be redeemed for benefits such as vouchers, merchandise or fuel‑aligned reward options.
They do not work in the same way as cashback because they accumulate in a reward account and must be redeemed through the issuer’s catalogue.
The choice depends on whether you prefer immediate bill reduction or long‑term reward accumulation
