Often asked: How To Use Kotak Credit Card?


How does Kotak credit card work?

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).

How can I use Kotak credit card first time?

Steps through IVR

  1. Dial 1860 266 2666.
  2. Press 1 to Continue.
  3. Press 3 for Credit Cards.
  4. Press 1 if you are an existing Kotak Cardholder.
  5. Validate using your CRN/ Card number and T-PIN.
  6. Press 6 to regenerate your Kotak Credit Card PIN OR Change the existing PIN.

What is the limit of Kotak Credit Card?

The maximum loan amount you can get is Rs. 5 lakh with attractive interest rates. You can also choose tenures from 6 months to 48 months. The amount will be instantly transferred to your Kotak account or any other savings account.

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How can I use my Kotak credit card points?

Redeem your points across a variety of categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies (BookMyShow Vouchers), Travel and many more! T&C Apply. Redeem Now.

What is the minimum salary for Kotak Credit Card?

What is the minimum salary for Kotak credit card? The minimum salary is Rs. 3.00 lakh per annum or Rs. 25,000 per month.

How can I increase my Kotak dream credit card limit?

The credit limit can be increased by adding sufficient funds to the deposit account.

How can I get a credit card without a job?

How to get a Credit Card without a Job?

  1. Consider getting a Secured Credit Card. Secured credit cards provide similar benefits as their regular counterparts but are issued against an individual’s fixed deposits.
  2. Include other sources of Income.
  3. Become an Add-on/Supplementary User.

Which credit card is best in Kotak?

Best Kotak Credit Cards for 2021

Kotak Credit Cards Annual Fee
Kotak PVR Platinum Credit Card Rs.999
Kotak Delight Platinum Credit Card Rs.299
Kotak League Platinum Credit Card Rs.499
Kotak Urbane Gold Credit Card Rs.199

How can I activate Kotak credit card online?

Cardholder can apply and activate add-on credit card via net banking through following steps:

  1. Open website kotak.com.
  2. Click on the option “Net Banking”
  3. In User ID section enter CRN.
  4. Enter password and click secure login.
  5. Select credit card.
  6. Select Add-on.

How can I increase my Kotak Mahindra limit?

If you had increased the daily fund transfer limit for Kotak Net Banking, the increased limit will also include the daily fund transfer limit of Rs. Fund Transfer limits:

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Fund Transfer Type Transaction Limit Per Beneficiary (Rs.) Channel wise Daily Transaction Limit (Rs.)
RTGS 5,00,000 10,00,000

Which bank FD credit card is best?

3. Best Credit Cards against FD in India

Credit Card Credit Card Name Minimum FD Amount
Axis Bank Insta Easy Credit Card ₹20,000
SBI SBI Unnati ₹25,000
ICICI Bank ICICI Bank Instant Platinum Credit Card ₹10,000
Kotak Bank 811 #DreamDifferent Credit Card Online ₹15,000

Can I ask my bank to increase my credit limit?

If you call your credit card issuer, you can ask whether a hard inquiry will be initiated. “ Asking for an increase could affect your credit score.” If you decide it’s the right time to up your limit, either call customer service or request a credit limit increase online. It’s a very simple procedure.

Can reward points be converted to cash?

Few credit card providers allow their cardholders to convert their reward points into cash. Depending on the type of card you hold, you can use your reward points to pay your annual fee. Most credit cards also allow the cardholders to get a cashback using their reward points.

How can I convert my Kotak reward points into cash?

To convert the reward points to cash follow the steps below:

  1. Go to Kotak Bank’s Net Banking Page.
  2. Enter your CRN/Customer ID and Password.
  3. Choose your credit card.
  4. Select Cash for reward redemption and complete the process.

How do I redeem my credit card points?

Online redemption is the most convenient ways to redeem your Reward Points as it can be done without calling up the bank’s customer care department. Most banks offer you home delivery for products purchased online against Reward Points. You can also convert these points into air miles and use them to buy air tickets.

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