Apply Credit Cards Online for Instant Approval No Joining Fees

A credit card is a financial instrument to help you make instant credit based transactions. Apply for Credit Cards ✓No Credit Score Required ✓No Joining Fees.

Enter the cashless and rewarding world of Credit Cards with Kotak Bank! Whether you’re shopping, traveling, or enjoying a movie, our cards come loaded with power-packed features that make cashless payments seamless, convenient, and more rewarding than ever before. Get discounts and deals with top brands like Myntra, Indigo, PVR, and IndianOil. What’s more, you can earn and redeem points when you spend on your card, letting you reap the rewards of cashback with every swipe. Apply online now for an instant credit card approval through our secure portal. Choose from a variety of instant credit cards tailored to your needs and simplify bill payments, all in one go.

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Step 1: Select Your Ideal Credit Card

Choose a Credit Card based on your interests, such as Movies, Travel, Shopping, and more

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Step 2: Share Your Basic Information

Simply share your basic details like your Name, Phone Number, PAN, and Aadhar

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Step 3: Complete VKYC and Receive Your Virtual Card

Finish the VKYC process, receive your virtual card, and start exploring irresistible offers on your new Credit Card

Choose a Credit Card based on your interests, such as Movies, Travel, Shopping, and more

Simply share your basic details like your Name, Phone Number, PAN, and Aadhar

Finish the VKYC process, receive your virtual card, and start exploring irresistible offers on your new Credit Card

Showing card

Shopping Travel Fuel Premium Business Entertainment Premium Bills Most Popular Max Rewards Entertainment Shopping Travel Fuel Premium Business Entertainment Premium Bills Most Popular Max Rewards Entertainment -

Utilised card for online shopping, fuel surcharge & groceries. Amazing that it is a life time free card and good to use

This is the 3rd time I am availing a personal loan with Kotak. The overall experience with the team each time has been simply superb.

It was very easy to apply for the card. Moreover, 2X rewards on shopping is what I love the most, being an avid shopper.

Used Zen Signature for a pleasant & relaxed experience at a premium Airport Lounge, during a hectic official travel.

It’s great card for movie buffs like me. I get free movie tickets every month & extra discount on my popcorn. Must have!

I have enjoyed using this card thoroughly. The rewards are pretty good & you should definitely go for this card.

Kotak White Credit Card x Peppa Pig’s Adventure Live Theatrical, 2024 | 48-Hour exclusive pre-sale for Ahmedabad and Mumbai will go LIVE on 17th September 2024, 12 PM | 10%…

Valid Till : 19 September 2024

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Get upto INR 5000 instant cashback on latest Apple devices via Kotak Credit Cards & Credit Cards EMI

Valid Till : 28 December 2024

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Instant Cashback upto Rs 8000 on Kotak Debit Card EMI and Smart EMI card

Valid Till : 30 September 2024

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Get FLAT 350 Rs off on Min purchase at Leaf Studio using Kotak Mahindra Bank Credit & Debit Card.

Valid Till : 31 March 2025

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Cashback upto Rs 3000 on Kotak Debit Card EMI and Smart EMI Card

Valid Till : 30 September 2024

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Get Upto 70% OFF on health check ups on Medibuddy while making payment via Kotak Mahindra Bank Debit & Credit Card.

Valid Till : 31 March 2025

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Get Off Upto 2000 Rs on Domestic & 8000 Rs on International flight tickets

Valid Till : 31 March 2025

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Get Flat 15% OFF on gym and accessories shopping at the Cube club while using Kotak Mahindra Bank Credit & Debit Card.

Valid Till : 31 March 2025

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Get Flat 20% off on a minimum spend of Rs.1999 at Go mechanic using Kotak Mahindra Bank Credit & Debit Card.

Valid Till : 31 March 2025

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10% Cashback upto Rs 10000 on Kotak Debit Card EMI and Smart EMI Card

Valid Till : 30 September 2024

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Get FLAT 50% off on Amkette TWS earphones on shopping using Kotak Mahindra Bank Credit & Debit Card.

Valid Till : 30 March 2025

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Get personalized products starting at just Rs.1�+ 100% shipping Cashback.�

Valid Till : 30 March 2025

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Credit cards in India have become a need for every individual as they come with many attractive offers and help you save significant amounts of money. The different types of credit cards allow customers to choose that best fits their needs and budget. The instant approval credit cards offered by Kotak Mahindra Bank can be obtained through an online application. With the different types of credit cards in India, credit card users can enjoy benefits such as gift vouchers, cashback, travel insurance, free air miles, discounts, one-on-one deals, reward points, and much more. To get a credit card, apply online and save your money. Kotak Mahindra bank’s credit card offers are the best on different types of credit cards in India. An instant credit card will allow you to redeem all these offers from the comfort of your home.

All about Credit Cards

Movie Credit Card: Elevate your cinema experience with exclusive discounts and rewards. Unlock a reel of entertainment with Kotak Movie Credit Card.

Rewards Credit Card: With Kotak Mahindra Bank Reward Credit Card, you get exciting rewards for every usage. These rewards may be in the form of points, miles, or cash back. You can use them further for discounts on travel or other purchases.

Fuel Credit Card: Enjoy worry-free drives with the Kotak Fuel Credit Card. , and experience seamless transactions every time you refuel.

Business Credit Card: Propel your business forward with Kotak Mahindra’s Business Credit Card. Tailored perks and financial tools to fuel your entrepreneurial journey.

Corporate Credit Card: Effortlessly manage corporate expenses with the Kotak Corporate Credit Card. Simplify transactions and relish exclusive privileges tailored for your business.

Key features and benefits of Kotak bank Credit Card

Kotak’s instant approval credit cards come loaded with various features and benefits. Some of the notable Kotak credit card benefits are as follows -

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

  • Meet the minimum spending limit and get your yearly card fee waived

  • Get gift vouchers across premium brands and shop all you want

  • Save money on grocery shopping and get discounts on your bills

  • Enjoy freebies and discounts available on lifestyle products

  • With Kotak credit cards, get a fuel surcharge waiver across fuel stations

  • Travel in style with complimentary airport lounge access at both international and domestic airports

  • Enjoy cashback on Kotak credit cards

Eligibility and Documents Required for New Credit Card

Apply online at Kotak Mahindra Bank’s website to get a new credit card. Here are the eligibility criteria for getting a credit card:

  • 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 credit score to get a credit card.

To apply for a credit card online, you need the following documents:

  • Identity proof
  • Age proof
  • Address proof
  • Income proof or employment details
  • PAN Card

Check Credit Card Eligibility with Kotak Bank

The instant credit card approval feature has increased the number of people who use credit cards in India. You should get one too. Kotak Mahindra Bank’s website guides you on applying for a credit card, but you need more than knowing how to apply for a credit card. You also need to know your eligibility. Check your eligibility in the following ways:

  • Check your credit score
  • Meet the approval requirements
  • Have enough assets and income

Credit Card Interest Rates & Charges

Know the charges before you apply for credit cards:-

No Joining Fee Joining fee is only payable on certain credit cards
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 make part payments on the outstanding bill.
Late payment charges Charges are 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

How to Apply for Kotak Credit Card Online

For a credit card, apply online and get your card at the earliest. Here’s is Kotak Mahindra Bank’s step-by-step guide on how to apply for a credit card online:

  • Visit the credit card section on Kotak Mahindra Bank’s website
  • Choose the card from the different types of credit cards offered
  • Click on ‘Apply Now.
  • Fill in the required details
  • Submit the online application form and your documents
  • After submission, track your application status online through Kotak Mahindra Bank’s website.
  • After this free credit card application option and bank verification, wait for approval of your card.

Apply offline through the Kotak Mahindra Bank branch or contact our representatives for a new credit card. Now that you know how to get a credit card to, apply online and start saving money.

Things to Know Before Applying for a Credit Card

Before you apply for a credit card online, you should be aware of the following points:

  • Know your credit card statement - It will help you understand your bank credit cards by showing you all the details like transactions, bills, due dates, etc.
  • How to transfer funds - Bank credit cards cannot be used.
  • Redeeming rewards - Credit cards in India come with a lot of reward points. Collect these reward points and redeem them to get cashback or discounts.

Apply Now

A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit.

Banks and financial institutions issue it to bring the convenience of payment. Credit cards act as a microloan 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). The issuer pre-sets a custom borrowing limit, determining the maximum amount of credit a user can spend from a credit card. Credit cards allow users to save big through discounts and deals, making them popular.

Why is a Credit Card Important?

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.

Interest is charged only if the credit amount is not repaid within the grace period, which ranges between 20 to 60 days. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashback, frequent flyer miles, credit scores, etc. A credit card is certainly a must-have item in your wallet.

How to Apply for a Credit Card?

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

Why Should you apply for a Kotak Bank Credit Card?

At Kotak Mahindra Bank, it is easy to understand how to apply for a credit card.

We understand that each buyer has different needs, so we offer as many kinds of credit cards in India as you can. We have categorized our credit card rewards to suit your preferences, such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you can choose a credit card that earns you extra points on the things that matter the most. So go ahead, explore and compare our wide assortment of credit cards to find the perfect match. Once you find the right credit card, you can earn as you spend!

Am I eligible for a Credit Card?

The instant credit card approval feature has increased the number of people who use credit cards in India. You should get one too. Kotak Mahindra Bank’s website guides you on applying for a credit card, but you need more than knowing how to apply for a credit card. You also need to know your eligibility. Check your eligibility in the following ways:

  • Check your credit score
  • Meet the approval requirements
  • Have enough assets and income

What are the steps to apply for a Credit Card?

Know the charges before you apply for credit cards:-

No Joining Fee Joining fee is only payable on certain credit cards
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 make part payments on the outstanding bill.
Late payment charges Charges are 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

How is my credit card limit decided?

The bank determines the credit card purchasing and withdrawal limit at its sole discretion.

Some standard aspects reviewed when deciding the limit include the applicant’s income, credit history and outstanding debts/loans/EMI payable.

What is an add-on credit card, and how can I avail of it?

The issuer offers the add-on credit card facility to the primary applicant.

It can be used by the cardholder’s relatives, 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 provided with the primary credit card, and the primary applicant can set a credit limit for the card.

How do you choose a credit card for first-time users?

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

How should I pay my credit card bills?

Credit bill payments can be made with ease using multiple payment options. These include:

● Mobile Banking

● Net Banking

● WebPAY

● NEFT/IMPS

● Auto Debit

● VISA Payment

● Phone Banking

● Over the Branch Counter

● Cheque Payment

What should you do in the case of theft or loss of your credit card?

In case your card is stolen, or if you have misplaced it, the first and most important step to take it so to block your card. This prevents the risk of an unauthorized transaction. In order to Block your Card, you can reach out to our customer care representatives at 18602662666 and they will help you with the same. They will block the card and also begin the process of issuing a new card.

You can also log in to the Kotak Mobile Banking app to block your card in just a few steps, as outlined below:

  • Log in to the Kotak Mobile Banking App
  • Under the ‘Service Requests’ menu, please click on ‘Credit Card Requests
  • Click on Report Lost/Damaged Card option
  • Confirm YES to permanently block your card
  • Once you confirm, replacement process will be initiated and a new credit card will be delivered in 7 working days

As a new Credit Card is issued, it is essential to carefully read through the Credit Card Agreement and know how the transfer of reward points will take place, their validity dates and expiry.

How long does it take to apply for and receive a credit card?

Once you know how to get a credit card, applying for it online is a quick process.

You need to fill out an application form and submit the required documents. This process finishes within a few minutes. However, you have to wait for a week to get approval. The maximum time for approval is ten working days. You will get your credit card after 15 days from the date of application.

How do I redeem my Kotak credit card rewards?

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.

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