Every Kotak Mahindra Bank credit card has its own features and benefits hence ensures to give you an easy lifestyle. The wide range of Kotak credit cards covers all dimensions such as dining, movies, shopping, travel and rewards. Thus, all your lifestyle needs can easily be fulfilled. These cards can be applied online in just a few quick steps hence you can reap the maximum benefits without any hassle. And, for a hassle-free approval, it is important that you should know the credit card eligibility. One should be familiar with the eligibility criteria set by the lender to get easy approval.   

Kotak Credit Cards Eligibility

How to Apply for Kotak Credit Card Online

You can apply for Kotak Mahindra Bank credit cards in a seamless manner. All you need to do is visit the official website of the bank and click on the ‘Apply Now’  to proceed your credit card application further. Within a few minutes, you can check your eligibility online and apply for a credit card you want to avail.

Kotak Bank Credit Card Eligibility

• An applicant should be an Indian citizen

• He/She should be aged between 21 to 65 Years

• One should have a good source of income and a stable credit score

Documentation Required

To apply for a Kotak Mahindra Bank credit card, you need to submit the following documents.

• Address proof – Passport/ Driving Licence/ Voters ID etc.
• Identity proof – Bank Statement/ Voter Id/ Driving Licence/ Pension Book etc.
• Income Proof – Bank Statement/ Pay Slip/ Income Tax return
• Pan Card
• Passport size photo

How to Check If You are Eligible

There are several factors to check your eligibility; some of these are common for all banks, but others can be bank-specific

• Each bank has a number of credit cards to choose from. When you are on the bank website, you are also given the option to compare the credit card you’re interested in with other cards. Who knows?
• The other cards may have benefits that could divert you from your first√choice card
• Once you choose your card, you would be required to mention your details, which includes the name of your company/business.
• Mention your annual salary
• If you already have a card, then certain banks will ask you which one it is. Basis this record, the bank usually checks your credit payment history, and deems you eligible based on your credit score
• Enter your age and contact details

Kotak Credit Card Limit

The credit limit on the Kotak Mahindra Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.

The customer who wants to increase the credit limit can write to the bank asking for an increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.

Factors Affecting Kotak Credit Card Eligibility

• Age: You must be at least 18 years old. However, some banks have a minimum requirement of 21 years. The maximum age requirement also differs, and it generally goes up to 60 years.
• Annual Salary: Your annual income determines if you’re eligible for a particular card or not. Make sure your income meets the required eligibility criteria set by the bank so that you can easily avail the loan. 
• Nationality or Residential Status: Citizens, residents, and non√residents can apply. However, there are a few cards that are only available for Indian citizens.

• Credit Score: Your chances of getting a credit card increases when you have a stellar credit score. If you have a bad score, your application will most likely be rejected. A good credit score is anywhere from 750 to 900.
• Existing Debt: Your card provider will also consider your credit utilisation ratio. If your dues exceed the granted limit, it may affect the approval of your application.
• Employment: Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can improve your chances of getting a credit card significantly.
• Location: Banks also take your location into consideration when they assess your application. Certain cards are only available to those residing in particular cities

Factors That Can Improve Your Credit Card Eligibility

Do the following to improve your eligibility:

• Repay debts on time.
• Do not exhaust the credit limit of your Credit Card.
• Keep a healthy mix of secured and unsecured credit.
• Limit loan applications to limit enquiries.
• Doing all these will increase your credit score and creditworthiness, thus, making you more eligible. Meet all the Credit Card criteria of eligibility and get approval without any hassle.

Kotak Credit Card Application Status

You can easily know the current status of your credit card application online. Earlier, people used to visit the bank so as to gather each and every piece of information, but now, you don’t have to do so as it can easily be done easily online.

Kotak Credit Card Customer Care Number

You can get in touch with the Kotak Mahindra Bank credit card customer care 24X7 by contacting the following numbers.

You can call the toll-free number 1860-266-2666 from your mobile and Landlines in India. People staying outside of India can call the toll√free number +91-22-6600-6022.

You can also write to Kotak Mahindra bank on their website in the ‘Contact Us’ page and you can post your queries. You may have to enter your name and contact details for further assistance.