Kotak Mahindra Bank Credit Card

Kotak Mahindra Bank Credit Card Updates

Well friends, we all know that due to the ban imposed on Kotak Mahindra Bank some time ago, Kotak Mahindra Bank was neither giving the option to open a savings account nor was it giving the option to apply for a credit card.

And ever since people started opening savings accounts, Kotak Mahindra Bank has also started the option to apply for its credit card. You will not believe it, we have applied for this Kotak Bank credit card. And here you can see that we have a card in the Rupee variant and that too lifetime free. We got it approved within just 3 days.

Now, in this article, let’s understand the complete process about how you can apply for a Kotak Mahindra Bank credit card.

Why Kotak Credit Cards Are Value for Money

Without a doubt, Kotak Mahindra Bank’s credit card is value for money. However, many people face rejection because they apply for a credit card where the chances of approval are very low.

I never say that you can apply for a credit card with just your Aadhaar card. For this, your CIBIL score needs to be at least decent. Only then are you granted a credit card.

For example, when I applied for cards for three of my family members, one was rejected. The other two were approved with limits of ₹9,000 and ₹65,000.

So, if you want to apply for a credit card and increase your approval chances, you must fill in your details very carefully and sometimes use small tricks.

Kotak Mahindra Bank Credit Card Options

On the Kotak Mahindra Bank website, you can see that Kotak currently offers 30–35 credit cards for which you can apply.

For example:

Kotak Air PLS Credit Card – Joining Fee ₹3,000
Other premium cards with ₹5,000–₹10,000 joining fees

But why pay such high fees when you can get a value-for-money lifetime free card?

Among all these cards, the most useful ones are:

PVR Iox Credit Card
Kotak League Platinum Card

The Kotak League Platinum Rupee variant card is the best choice because it can be easily linked with PhonePe, Google Pay, and can be used for merchant transactions without any issue.

Benefits of Kotak League Platinum Card

Feature	Benefit
Reward Points	8 points for every ₹150 spent
Welcome Bonus	5,000 points (worth ₹500) on first transaction
Fuel Surcharge	1% waiver on fuel payments
Railway Surcharge	Up to ₹500 annually
Milestone Rewards	Spend ₹1,25,000 in 6 months = 4 free PVR tickets
Joining/Annual Fee	₹0 (Lifetime Free)

So, this card comes with multiple benefits and currently has no joining or annual fee, making it one of the best free credit cards available.

How to Apply for Kotak Mahindra Bank Credit Card

Step 1: Select the Right Variant

Kotak credit cards come in two variants:

Rupee Platinum
Visa Platinum

👉 Always choose the Rupee Platinum variant.

Step 2: Start the Application

Enter your personal mobile number (linked with PAN/banking)
Accept terms and conditions
Click Get OTP and verify your number

Step 3: Fill in Basic Details

Enter PAN card number
Date of Birth (as per Aadhaar)
Email ID
Gender (Male/Female/Transgender)

If your PAN is already registered with Kotak, you’ll be notified. Otherwise, the process continues smoothly.

Information Required During Application

Details Needed	Examples
Personal Info	PAN, DOB, Email, Gender
Family Info	Father’s name, Mother’s name
Marital Status	Single / Married
Address	Office or Residence address for card delivery

Completing Video KYC

Once all details are filled, you need to complete Video KYC:

Keep PAN card, paper, and pen ready
Provide a live selfie and signature
Verification is completed instantly

If you already have a Kotak account, approval comes even faster. If not, after completing Video KYC, your application will be approved.

Within 2–4 working days, your Kotak credit card will be delivered. Once you receive it, make a small transaction within 30 days to unlock welcome benefits.