Kotak Credit & Debit Cards

A credit card is a wonderful feature of the Kotak Mahindra Bank. This card has a different type to itself for the particular group of customers. The different types of credit cards are as follow.

1. Credit cards for shopping.
2. Credit cards for Lifestyle Privileges
3. Credit card for Dining and Entertainment
4. Credit card for NRI
5. Credit card for Corporate banking

To pay the credit card bill you can use the following methods.

• WebPAY
• IMPS
• Phone banking
• Net banking
• Over the counter
• Cheque box
• Auto debit
• NEFT
• Visa Payment

Kotak Mahindra Bank believes that with the help of security come’s happiness and Verified By Visa (VBV)/Master Card Secure Code service is a guarantee of this service. It is a very powerful tool of security that is offered by VISA/MasterCard to increase the protection of Kotak Credit Card.

 This service is only available on VISA/MasterCard based websites and thus keeping the transactions made safe from unrecognized elements. The authenticity of every online store can be made sure with a personal message assuring that.

An add-on card is a credit card that is customized with some special feature and enables you to experience all most all the features of a normal card, you can set an spend limit on the add-on card according to the need, you can also track all the spending for each of your add-on card. To get an add-on card you will have to submit the KYC document, if the KYC document is satisfactory then you will be eligible for Add-on cards.

Now enter you card number followed by CRN number on your card followed by the date of birth and then click on the login button. Now you will get your credit card statement. You can also check your account status with Kotak Mahindra Net Banking without visiting the bank.

You Can Also Check Here

• Safe & Secure Net Banking Services by Kotak Mahindra Bank
• Benefits of having Kotak Mahindra Bank Account
• Advantages of Kotak Mahindra Bank Deposits

You can make your purchase using the card and call the customer service or your bank within 15 days to convert the purchase into EMI.

• You can use online banking to convert

1. Login to your online banking
2. Click on the credit card tab
3. And then choose the convert to EMI tab.

• You can use SMS banking too

SMS “EMI” to 5676788

• Or you can use the Phone banking

Call the customer service 1860 266 2666.

Given blow is the EMI plan offer

Prepaid Cards

Alongside Kotak ITZcash is a multiple facility cards that can be reloaded and used for all the corporate transaction, this is basically a prepaid card that enables you to do all the corporate banking.

You can use the prepaid card to,

• Pay your utility bill.
• Book tickets for movies and travel expenses.
• Recharge mobile and DTH
• You can shop online
• You can also use this card to make payments at almost all the retails stores.

You will be able to check your balance by visiting the itzcash.com or you will have to SMS “KOTAKBAL <Space> (the last four digit of your card) and send this to 57575, you can also check the balance through ATM centre but you will be charged if you use this card in any non-KOTAK ATM.

We don’t always make a good gift purchase to our loved all you have to do is buy a best compliments card and gift it to the one we love, then can then use it as their card and purchase anything they like. This bank also provides different Kotak Mahindra Bank Deposit schemes to their customers.

You don’t need to have an account at Kotak Mahindra bank all you have to do is walk into the Kotak bank and buy a Best Compliments Card from the counter.

Kotak multi-currency world travel is a card that enables the customer to travel anywhere around the world without worrying about the currency, all you have to do is get a multi-currency world travel card and this card makes the transaction of money in every country that you travel to.

All you have to do to get this card is walk into a Kotak bank counter and fill in the form and submit the required documents and pay the amount that you want to fill the card with and then you can walk out with the card welcome kit.

This card on average is valid from 3 to 5 years; you can check the date of expiry on the card as it is available on the card.

This card is now available in around 10 currencies and those currencies are as follow.

• US Dollar
• European Euro
• Sterling Pound
• Australian Dollar
• Singapore Dollar
• Swiss Franc
• Hong Kong Dollar
• Canadian Dollar
• Japanese YEN
• Swedish Krona

Verified by VISA is a secure service that gives you double protection on the payment make, this facility enable only you to be the sole card user on any transaction, this service also authenticate the website you want to purchase this product from.

Insta Pay

InstaPay is a special service that enables you can pay instant utility bills, recharge and so on at a fraction of the time with no difficulties and you don’t even have to enter the receiver’s name.

The payments are being done using your bank account by login to your internet banking service all you have to do is login to the internet banking service and go to the instant bill pay section and chose the payment you want to do and then make your instant bill payment.

This service is totally free from all the additional charges on payments made from this service using the Kotak bank. If you are looking for loans at low interest rate then this bank provides Kotak Mahindra Loans at low interest rate.

For the majority of the bill pay service, the outstanding amount can be viewed if you are able to enter the correct bill details and then you can make the payments.

In the case of failed recharge transaction, the amount that was deducted will be refunded to the account within 3 working days, from the day of the transaction.

As the instapay service is provided by the bank and the amount paid is deducted from the bank, this service needs to be connected with the bank, therefore to avail this service you will be in requirement of possessing the internet banking facility.

Kotak Debit Cards with Offers

A chip card is a microchip that is on the card; this card is hard to destroy it and cannot be tampered with and due to this the card is extra secure and cannot be accessed from an external authority, to get the chip debit card you need to visit the online net banking site and apply for a new card or you can call the customer care number 1860 266 2666 or you can visit your nearest bank and apply for a card.

All chips based debit card issued by Kotak bank is by default enabled for international transaction, and also the magnetic strip cards that were issued before 2013 is by default enabled for international transaction and the magnetic strip card that is issued after 2013 is not enabled for international transactions.

The debit card are divided into different sections for cards specifically designed for a particular purpose and offers specific facilities, the different types of the card categorized into these sections,

• Premium card
• Business card
• Segmented card
• Basic card

Temporary block feature is a facility that the bank provides to their customers this enables them to block their card temporarily in case if they forgot their card and once they get it back they can unblock it in real time using the internet banking facility and in case if you don’t find the card you can proceed to block the card permanently.In such a turn of event, you can immediately block the card and issue for a new card, you can do this by logging into the internet banking account or you can get to the nearest bank or call the customer care 1860 266 2666

OTP or the One Time PIN/Password is the password that is generated by the bank and sends to your registered mobile number so that you can use it to make the payments from your bank and this OTP is to verify the authenticity of the payment or transaction made from your account.

You can regenerate the password of your ATM in case if you forgot your password

Login to your internet banking account and then click on the banking then select the debit card option and regenerate the debit card PIN or you can call the customer care number and talk to them 1860 266 2666

Check Here For Hassle Free Banking Experience

• Kotak Mahindra Bank Loans at Low Interest Rates
• Mobile Banking Made Easy with Secure Kotak Mahindra Bank Mobile App

The Kotak Debit card provides many offers to the customers, these customers are offered with many time to time offers on various sites and outlets that offer many discounts and off on the shopping and the things you might wish to purchase.

This is acard which is specially designed to the customer needs and this card comes with a double security, this card is so secure you can hand it out to your family and friends as this card only facilitated non-financial transactions.

Kotak Debit card is itself a secure mode of transaction as it provides the PIN that protects the card and also the every time transactions happen on the card you will receive an SMS notification, in addition to all the banking benefits the Kotak gives you an additional benefit of insurance over your card, you can go to your bank and apply for an insurance or apply it while getting a new debit card.

This is an exclusive pass that enables the customers to get access to VIP Lounge across the world in some of the most major airports; this facility enables the customers to have a comfortable stay while waiting at the lounge room, this pass is an annual payment pass that enables the customers to have complete access to the VIP lounge.

Kotak Credit Card Online Payment

Kotak Mahindra has one of the most efficient credit card payment system, they let customers make the online payment using their credit cards with a decent amount of interest rate charged on it.

Kotak Credit Cards Statements & Bill Payments

Kotak Mahindra customer can make the online credit card payments using various Method’s such as:

Mobile Banking 

You can manage your credit card and Kotak account using the Kotak’s official mobile banking application. This makes the payment easy and manageable from your mobile from where ever you are.

Net Banking

If the customer has registered for the Kotak internet banking facility then the customer can transfer from their savings account or current account to the credit card account. This facility make it easier for the customer to make the credit card payment online.

WebPAY

It is an online service that enable the user to make their online credit card payment from their non Kotak savings account, webPAY enable’s 30 major non Kotak bank to access the service to make the credit card payment.

NEFT

NEFT is a method of fund transfer that enable the user to make their credit card payment from any bank using the method of NEFT, to use this method you can login to your Kotak internet banking and select NEFT and register the details and make the payment.

IMPS

Inter banking Money Payment service or IMPS is the method to transfer the amount at an instant, you can access the service from your internet banking or mobile banking application.

Auto Debit

This facility enable the user of Kotak bank to make payments of their credit card automatically from their savings account on a monthly basic either a full deduction or a partial deduction depending on the requirement of the customer.

Visa Payment

The customer of Kotak bank can pay their Kotak card bills using visa debit card, to access this service you can log into to the internet banking and register the debit card to enable the visa credit card payment.

Phone Banking

Under Kotak customer service you can avail this service where you can make the payment from your savings or current account to the credit card account.

Over the Branch Counter

You can also make your credit card payment from any of the Kotak branch, you can just walk into the bank branch and deposit the amount to the credit card account. Also Check the Credit & Debit Cards of SBI and YES Bank.

FAQ’s Related to Kotak Credit & Debit Cards

1. What is a chip card?

2. Can we us the Kotak debit card for international transactions?

3. What are the different types of debit cards?

4. What is a temporary block feature and how can it be used?

5. What is to be done in the case of me losing the debit card?

6. What is an OTP?

7. How to regenerate the ATM pin, in case of not remembering the password?

8. What are debit card offers?

9. What is an Associate card?

10. How to get insurance on the debit card?

11. What is a priority pass?

Credit Card

12. What are the different types of credit card?

13. How to pay the credit card bills?

14. How to secure your online transactions by Verified by VISA/ Master card secure code?

15. What is an add-on card?

16. How to get the card statement?

17. How to convert to EMI?

Prepaid Cards

18. What is Kotak ITZcash prepaid card?

19. Where to use your prepaid card?

20. How to check balance on this card?

21. What are the best compliments cards?

22. Do I need to have a Kotak Mahindra bank account to purchase best compliments cards?

23. What is Kotak multi-currency World travel card?

24. How to get this card?

25. What is the validity of the card?

26. Is this card acceptable to make payments in any currency?

27. Why is verified by VISA need?

InstaPay

28. What is InstaPay?

29.  How to use InstaPay?

30. Are there any additional charges for using InstaPay?

31. Will I be able to view the outstanding amount on my bill?

32. How long will it take to get a refund on a failed recharge transaction?

33. Do I need to register for internet banking to use InstaPay?