Kotak Bank Essentia Platinum Credit Card | Fee, Limit, Eligibility

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Kotak Bank Essentia Platinum Credit Card

Eligibility to apply for the Kotak Bank Essentia Platinum Credit Card

You are qualified to apply for the Essentia Platinum Credit Card on the off chance that you meet the accompanying criteria:

• You fall in the age section of 21 to 65 years. Likewise, an add-on cardholder ought to be somewhere around 18 years old.

• At present, the card is accessible in the accompanying locations just – Ahmedabad, Chandigarh Bangalore, Chennai, Delhi (counting Noida and Gurgaon), Hyderabad, Mumbai, Kolkata, Navi Mumbai, and Pune

• You ought to be an Indian resident.

Kotak Bank Essentia Platinum Credit Card Fees and Charges

Type of fee Amount (Rs.)
Joining fee Rs.1,499
Annual fee Rs.749
Interest charges on outstanding balances 3.50% per month
Cash withdrawal fee per Rs.10,000 or part thereof Rs.300
Late payment charges If the outstanding amount is

Equal to or less than Rs.500 – Rs.100

Between Rs.500.01 to Rs.10,000 – Rs.500

Greater than Rs.10,000 – Rs.700

Over limit fee Rs.500
Call a draft or funds transfer fee Rs.300 for every Rs.10,000 withdrawn/transaction
Add on card charges Rs.299 per card
Furnishing a copy of CIBIL Rs.50
Fee for cash payment at a branch of the bank Rs.100
Reissue or replacement of the card Rs.100 (per issuance)

 

Also Read: ICICI Bank Amazon Pay Credit Card | Eligibility, Limit, Charges, Offers

 

Documents Required to Apply for the Kotak Bank Essentia Platinum Credit Card

Income proof (For self-employed)
  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement or balance sheet
Address proof (any one)
  • Passport
  • Telephone bill
  • Aadhaar card
  • Electricity bill
  • Rental agreement
  • Ration card
Income proof (For salaried)
  • Recent salary slips
  • Salary certificate
  • Employment letter
Proof of Identity (anyone)
  • Voter’s ID card
  • Ration Card
  • PAN Card
  • Passport
  • Driving license
  • Aadhaar card

 

How to Apply for Kotak Bank Essentia Platinum Credit Card?

Assuming you need to get this card, you can visit the closest Kotak Mahindra Bank office or apply on the web. Here’s how you can apply on the web-

  • Visit the official website of Kotak Mahindra Bank.
  • Go to the credit card area and discover the Mojo Platinum Credit Card.
  • Click on ‘Apply Now’ and enter the necessary subtleties.
  • If qualified, you can fill the nitty-gritty application structure.

A leader of the bank will call you about the report assortment. When you present the records, the bank will check the reports and approve the data given by you. In the case everything goes right, you will get the card within 7-10 workdays.

Kotak Bank Essentia Platinum Credit Card – Key Highlights

• This card is best for the individuals who lean toward utilizing their credit card for their everyday departmental store and basic food item spends.

• Earn 2 BookMyShow vouchers on its first swipe within 60 days of the swipe.

Kotak Bank Essentia Platinum Credit Card – Daily Shopping Benefits

• For exchanges esteemed somewhere in the range of Rs.1,500 and Rs.4,000, you procure 10 Saving Points for each Rs.100 spent at staple and departmental stores and the worth of each point is Re.1.

• The greatest points that can be acquired in a month are 500.

Features and Benefits of Kotak Bank Essentia Platinum Credit Card

Extra savings: You acquire 1 Saving Point for each Rs.250 spent on other classifications (non-departmental and non-basic food items).

Attractive recovery decisions:

• The collected saving points can be effortlessly redeemed online for cash, aircraft tickets, air miles, film tickets, versatile re-energize, and marked products.

• For recovering the points for carrier tickets, product, and versatile re-energize, the award points should be changed over into Easy Points and 1 Saving Point = 2 Easy Points.

More offers and benefits: You are additionally qualified to profit a large group of special offers like feasting bargains, get-away offers, and so on

Need administration: Get admittance to need customer administration with KASSIST. Simply send an SMS KASSIST to 5676788 from the enlisted portable number and get a call from the bank within 30 mins for help.

Extra cards: Kotak bank add-on credit cards have similar benefits and features to the essential card. You can draw singular lines on each card and track spends on them.

Contactless office: The Visa payWave highlight in the card permits you to pay for exchanges of up to Rs.2000 utilizing the contactless office without entering your card PIN. It makes it a more secure, got, and quicker method of payment.

Milestone rewards:

• On burning through Rs.1.25 lakh in a half year with the card, you procure 1200 Reward Points or 6 free PVR tickets.

• For recovering these points, you can select a limit of 12 free PVR tickets each year.

• You can likewise select to change the points with your next charging cycle explanation or even pick one from air tickets, air miles, portable re-energize, film tickets, and marked product.

HOW TO CHECK YOUR KOTAK CREDIT CARD APPLICATION STATUS ONLINE

At the point when you apply for a credit card with Kotak Mahindra, the bank sends you an SMS. The SMS acknowledges your credit card application and gives both of you things: an interesting reference and the application structure number. Kotak Bank’s website permits you to check your credit card application status utilizing these particulars. The whole cycle is without bothering and simple. Follow these straightforward advances and you are through:

  1. Visit the official website of the bank.
  2. Select the alternative ‘explore products’ and snap on the dropdown menu.
  3. Pick the choice ‘cards’ and select ‘credit card administrations’.
  4. Look down till you discover the choice ‘application status’.
  5. Click on ‘know more’, which will divert you to the page ‘check your card application status’.
  6. Pick ‘select product’ and hit on the ‘credit card’ button.
  7. Punch in your unique reference number or the application structure number and snap the ‘check status’ choice.

Customer Care Number

Customer Contact Center 1860 266 2666 (nearby call rates apply).

FAQs

1. When am I charged the over-limit charge on my Kotak Essentia Platinum Card?

In the event that the complete exchange esteem crosses 100% of the credit limit, a level over-limit expense of Rs.500 will be collected in each charging cycle in which you are over the limit.

2. Does the extra cardholder get isolated saving points?

No, there are no different saving points for add-on cardholders. The limit of the month-to-month saving points (500) has been fixed for the essential and the extra cards consolidated. Henceforth, the extra cardholder won’t get any different saving points.

3. In an instance of a card-related emergency, how would I contact the Kotak Mahindra Bank?

Call Kotak Mahindra Bank credit card customer care, at 1860-266-2666 and converse with the delegate.

4. How does the Insurance Cover help?

The insurance cover will give repayment to any unapproved or false use if the card is lost/taken. This cover would be accommodated as long as 7 days before the detailing and is legitimate for both essential and advantageous cards.

5. What sort of card is the Kotak Essentia Platinum Credit Card?

This card is a VISA chip card, legitimate universally.

6. What sort of chip is utilized in the Kotak Bank Essentia Platinum Credit Card?

This card by Kotak Mahindra Bank is a VISA chip card.

7. Is the Kotak Bank Essentia Platinum Credit Card legitimate universally?

Indeed, the Kotak Bank Essentia Platinum Credit Card is legitimate universally.

8. Can I get a premium-free period when I utilize the Kotak Bank Essentia Platinum Credit Card?

Indeed, you will get a sans interest time off as long as 48 days on exchanges on the card.

9. What is the financing cost with this credit card?

The financing cost appropriate with this credit card is 3.50% consistently.

10. Will I get an extra card with the Kotak Bank Essential Platinum Credit Card?

Indeed, you can get an extra card. You should pay a one-time charge of Rs.299 per card.

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