Kotak Bank Credit Card Status 2023: Verify Your Kotak Credit Card Application Status Online. How to Apply and Track Kotak Bank Credit Card Application Status Online in 2023. Steps to Track Your Kotak Bank Credit Card Status. Hello Everyone! This article offers comprehensive details on checking Kotak Bank Credit Card status online and steps to approve the Kotak Bank Credit Card application. Find a detailed guide on checking Kotak Bank Credit Card Status online or using the Customer Care helpline number…
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- 1 Types of Kotak Bank Credit Cards
- 1.1 Guidelines for Verifying Kotak Bank Credit Card Status Online
- 1.2 Instant Approval Process for Kotak Bank Credit Card
- 1.3 Over-limit charges*
- 1.4 Interest-Free Period:
- 1.5 Illustrative Example for Interest-Free Period Calculation:
- 1.6 Goods and Services Tax (GST):
- 1.7 When is late payment charge levied?
- 1.8 Kotak Bank Credit Card Status FAQ
Types of Kotak Bank Credit Cards
- Kotak Bank Royale Signature Credit Card,
- Kotak Bank Delight Platinum Credit Card
- Kotak Bank League Platinum Credit Card,
- Kotak Bank PVR Platinum Credit Card
- Kotak Bank Essentia Platinum Credit Card,
- Kotak Bank Silk Inspire Credit Card,
- Kotak Bank PVR Gold Credit Card
- Kotak Bank Urbane Gold Credit Card
- Kotak Bank Aqua Gold Credit Card
- Kotak Bank NRI Royale Signature Credit Card
- Kotak Bank Fortune Gold Credit Card
- Kotak Bank Feast Gold Credit Card
- Kotak Bank Corporate Platinum Credit Card
- Kotak Bank Corporate Gold Credit Card
- And Many More……
Guidelines for Verifying Kotak Bank Credit Card Status Online
- Visit the official Kotak Credit Card Website at https://www.kotak.com/en/personal-banking/cards/credit-cards.html.
- Navigate to the “Credit Card” menu once on the official Kotak Credit Card page.
- Scroll down to find the “Track Application” link and click on it.
- Alternatively, directly access the tracking page via this link: https://www.kotak.com/en/transaction-services/track-application.html.
- Enter your Application Number, Mobile Number, or Date of Birth and click on the “Track Status” button.
- Your credit card status will appear on your computer or mobile screen.
Important Note: If your credit card application has been rejected or not approved, avoid applying for another Kotak Credit Card for the next 6 months.
To Verify if Your Card is Active: You can verify your card’s status by calling us at 91-22-67987700 or by visiting your nearest Kotak Bank Branch. Kindly provide your 16-digit card number and card expiry date for this information.
Instant Approval Process for Kotak Bank Credit Card
If you wish to instantly approve your Kotak Bank credit card, please submit the following documents:
- Last 2 years’ ITR copy exceeding Rs. 2,50,000
- Postpaid mobile bill or landline bill
- Last 3 statements of your existing credit card from another bank, if available
- Copy of PAN card
- Any other ID proof and address proof
Over-limit charges*
The over-limit amount is a minimum of Rs 500.
*Government taxes (including service tax, GST, any/all applicable taxes from time to time).
**Only applicable on Feast Cards issued after 18th May, 2011.
*** One retail transaction has to be done within 3 months of Card Account set up.
**** Minimum retail spends to be done within the first year of account set up.
****** Maximum Railway surcharge waiver of Rs 500 in a calendar year.
******* Fuel surcharge to be waived only for transactions between values of Rs 500 – Rs 3000. Maximum Fuel surcharge waiver of Rs 3500 in a calendar year except Privy # League Signature & Delight Platinum.
Interest-Free Period:
The interest-free period starting from the billing cycle date shall not exceed 48 days. Effective from 5th May, 2014, the Payment Due Date on your Card can range between 18 and 21 days after the Statement Date (Please check your statement for your exact Payment Due Date). Therefore, the free credit period can range from 18-48 days to 21-51 days depending on your Payment Due Date.
Illustrative Example for Interest-Free Period Calculation:
For a statement from 11 April to 10 May, assuming the payment due date is 28 May, the grace period would be:
- For a purchase dated 12 April, the interest-free grace period is from 12 April to 28 May=48 days.
- For a purchase dated 2 May, the interest-free grace period is from 2 May to 28 May=27 days. However, if the previous month’s balance is not paid in full before the due date, there will be no interest-free period.
Goods and Services Tax (GST):
Effective 01 July 2017, the Goods and Services Tax (GST) replaces Service Tax. GST, presently at a rate of 18%, is applicable on all fees, interest, surcharge, and other charges related to banking and financial services.
When is late payment charge levied?
Late Payment charges are applicable if the Minimum Amount Due is not paid by the payment due date. To avoid these charges, ensure clear funds are credited to your Kotak Bank Card account on or before the payment due date. Late payment charges are as follows:
| Statement Balance | Late Payment Charges |
|---|---|
| Less than Rs.100 | Nil 🚫 |
| Rs.100 to Rs.500 | Rs.100/- 💵 |
| Rs.501 to Rs.5,000 | Rs.500/- 💵 |
| Rs 5000.01 – 10000 | Rs 500/- 💵 |
| Rs.10,001 and above | Rs.700/- 💵 |
Kotak Bank Credit Card Status FAQ
To track your Kotak Bank credit card application status, click here. You’ll need to input the Application reference number along with your Mobile number or Date of Birth (DDMMYYYY).
Normally, your Kotak Bank Credit Card is delivered within 21 working days after submitting your application. If your mobile number is registered with us, you’ll receive timely alerts regarding the status and dispatch details of your Kotak Bank Credit Card. Upon receiving an alert with the Airway Bill number (courier reference), track the shipment status on the courier websites using the provided number.
Typically, you should be able to reapply after 3 months of your previous application. However, there might be exceptional circumstances that prevent you from reapplying for a longer duration.
