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

Card NameFee & ChargesWelcome BenefitsFeatures & RewardsEligibility
Kotak Royale Signature Credit CardJoining Fee: NIL, 
Annual Fee:Rs.499 
√2  BookMyShow Vouchers
√30,000 bonus reward points on annual retail spend of Rs.8lakh
√4X reward points on every Rs. 150 spent across all spends
√Complimentary access to Airport Lounges in India and enjoy benefits such as gourmet meals, comfortable seating, widescreen TVs, newspaper and magazines, free Wi√Fi.
√Fuel and Railway Surcharge Waiver.
√Get a cover of Rs.2,50,000, in case your card is stolen.
√Enjoy the benefits of add√on cards.  
The age of an applicant should be between 21 to 65 Years.
The income of an applicant should be Rs.24 and above per annum.
Note: Minimum age required to apply for an add√on card should be 18 Years.
Kotak Delight Credit CardJoining Fee:Rs.1,999,
Annual Fee:Rs.299
√10% Cashback on dining.
√2  BookMyShow Vouchers
√On a monthly spend of Rs.6,000, get cash backs on dining and movies.
√Avail Milestone Benefit of 8 PVR Tickets on spending Rs.1,25,000 every 6 months.

√ Fuel/railway surcharge waiver on a monthly spend of Rs.2,000 & Rs.10,000 respectively.

√Avail the benefit of getting 8 free PVR tickets every year.
√Get Rs.600 including both Dining & Entertainment transactions.
√Dining & Movie Transactions up to Rs.4000 are eligible for cash√back.
The age of an applicant should be between 21 to 65 Years.

Income as per bank’s norms.

Note:Minimum age required to apply for an add√on card should be 18 Years.
Kotak PVR Platinum Credit CardJoining Fee: NIL, 
Annual Fee: Rs.999
√Two free movie tickets every month  upto Rs.400 each.
√Get 1 PVR Voucher code
√ Shop anywhere in India to avail two free movie tickets.
√Free tickets are available all year along on keeping up with the spend criteria.
√An insurance cover of ₹75,000 is available in the event of card being lost or stolen.
√The benefits of the primary card is available with add√on√cards
The age of an applicant should be between 21 to 65 Years.

Income as per bank’s norms.

Note:Minimum age required to apply for an add√on card should be 18 Years.
Kotak PVR Gold Credit CardJoining Fee: NIL, 
Annual Fee: Rs.499
Two free movie tickets every month  upto Rs.400 each.
√Get 1 PVR Voucher code
√2 free PVR movie tickets every month when you spend Rs.15,000.

√Insurance Cover for Lost or Stolen Cards.
√Shop Anywhere in India using your PVR Kotak Credit Card to get your free PVR movie tickets Available all year round.
The age of an applicant should be between 21 to 65 Years.

Income as per bank’s norms.

Note:Minimum age required to apply for an add√on card should be 18 Years.
Kotak Essentia Platinum Credit CardJoining Fee: Rs.1,499 , 
Annual Fee: Rs.749
√2  BookMyShow Vouchers
√10% savings on departmental and grocery store spends
√The maximum saving points, however, are limited to Rs.500
√The points can be redeemed against airline tickets, mobile recharge or merchandise.
√A spend of ₹1,25,000 in every 6 months will let you get either 6 free PVR tickets or 1200 reward points.
√Add√on card benefits.
The age of an applicant should be between 21 to 65 Years.

Income as per bank’s norms.

Note:Minimum age required to apply for an add√on card should be 18 Years.

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.