Kotak Credit Card Payment

Kotak Mahindra Bank is preferred for its product lineup. Kotak Mahindra Bank credit cards not just offer unmatched features but are backed by robust technical support and customer care support. This makes Kotak Mahindra credit card use a worthy experience.

Kotak Mahindra credit card payments can be made online and offline channels for added customer convenience. Read through to learn more about the methods offered and a step-by-step procedure to make your Kotak Mahindra credit card payment.

Kotak Mahindra Bank offers several channels through which Kotak Mahindra bank credit card payment is possible online. These are:

• Netbanking
• Mobile Banking
• Bill Payment through NEFT/IMPS/RTGS
• Bill Desk or WebPAY
• NACH
• UPI
• Visa Payment

Let’s understand the step-by-step mechanism for every mode.

How to Pay Kotak Mahindra Credit Card Payment Online Through Net Banking?

Kotak Mahindra credit card customers who also have a savings or current account with Kotak Mahindra Bank can pay their credit card through net banking by following these steps:

• Visit the Kotak Mahindra Bank website.
• Login into Net Banking Portal using your User ID and Password
• Move to the ‘Credit Cards’ section
• Choose ‘Payments’ options from the menu
• Select the amount you wish to pay. Cardholders can choose from the Total Amount Due, Minimum Amount Due, or customize their payment amount
• Enter the amount in case you opt for the ‘Custom’ option
• Click on the ‘Make Payment’ tab.

The amount will be debited from the Kotak Mahindra Bank account and instantly credited to the credit card account. You will receive a successful debit and credit notification on the registered mobile number.

How to Pay Kotak Mahindra Credit Card Payment Online Through Mobile Banking?

Option to make Kotak Mahindra credit card payment through mobile banking is available to cardholders who also either have a savings or a current account with the bank. Follow the steps to pay bills:

• Open the Kotak Mahindra Bank mobile app using your login credentials
• Move to the ‘Credit Cards’ section
• Choose the option ‘Payments’
• Select the amount you wish to pay. You will get an option to pay the Total Amount Due, Minimum Amount Due, or customize the payment amount
• Enter the amount in case you opt for the ‘Custom’ option
• Click on the ‘Make Payment’ tab.

The amount will get debited from the savings or current account, and you will receive instant credit in your credit card account.

How to Pay Kotak Mahindra Credit Card Payment Online Through NEFT/IMPS/RTGS?

Non-Kotak Mahindra Bank account holders can make the Kotak credit card payment online either through NEFT, IMPS, or RTGS option by providing the IFSC Code. The steps involved are:

• Visit the bank website with which you have a savings or current account.
• Login to your net banking portal using User ID and Password.
• Move to the ‘Fund Transfers’ option.
• Select from NEFT, IMPS, or RTGS options
• Register Kotak Mahindra Credit Card as a beneficiary. Yow will require the following details - Beneficiary Name (credit card number and cardholder’s name), IFSC code of Kotak Mahindra Bank branch, Address of the destination branch.

The Kotak credit card payment IFSC code is KKBK0000958. Other details are<

• Destination Bank – Mumbai
• Bank address – Main branch Mumbai.

Once the credit card account is added as a beneficiary simply select Kotak Mahindra credit card from the list of beneficiaries, enter the credit card payment amount and make payment.

How to Pay Kotak Mahindra Credit Card Payment Online Through BillDesk?

Non-Kotak Mahindra Bank account holders can make the Kotak Mahindra credit card payment online easily through BillDesk (also called WebPAY in Kotak Mahindra Bank terminology). The steps involved are:

• Visit the official website of Kotak Mahindra Bank.
• From the header menu, choose the ‘Make Payment’ option.
• From the drop-down menu, choose the ‘Loan/card payment’ option.
• From the drop-down menu, choose the ‘Kotak Credit Card Bill Payment - via Non-Kotak Account’ option.
• Read the Disclaimer and click on the ‘I Accept’ option.
• Enter the required information and click on ‘WebPAY now.’

You will receive an OTP from your paying bank to authorize the payment. Enter the OPT to complete the transaction. The Kotak Mahindra credit card payment made through BillDesk or WebPAY usually takes up to 3 business days to reflect in the credit card account.

How to Pay Kotak Mahindra Credit Card Payment Online Through NACH (Auto Debit)?

NACH or National Automated Clearing House is a centralized system that sets an auto debit facility in a bank account. The one-time mandate authorization thus allows the auto-withdrawal of payment on the decided date without any additional effort.

Kotak Mahindra bank account holders can set standing instructions on their savings/current account through net banking or Kotak Credit Card Customer Care.

Non-Kotak Mahindra Bank customers can set standing instructions on other banks' savings/current accounts by submitting an Auto-Debit Authorization Form. The form can be downloaded from https://www.kotak.com/content/dam/Kotak/credit-card-services/auto-debit-authorization-form.pdf

Duly filled and signed form must be mailed to:

Manager – Customer Correspondence Centre

Kotak Mahindra Bank

Attn: Customer Correspondence Unit – Credit Cards

Neptune Element, 3rd Floor, Road No. 22, Wagle Estate,

Thane (W) 400604

How to Pay Kotak Mahindra Credit Card Payment Online Through Visa Payment?

Kotak Credit Card bill payment can be made by transferring funds from your VISA Debit Card. To make payment through Visa Payment, the steps involved are:

• Login into your bank’s net banking portal.
• Navigate to the ‘VISA Credit Card Payment option.
• Link your Kotak Mahindra Credit Card with this facility

How to Pay Kotak Mahindra Credit Card Payment Online Through UPI?

UPI or the Unified Payments Interface is a new method to clear off credit card bills. Kotak Mahindra credit cardholders can pay dues either using the UPI ID or Account number along with IFSC Code.

The UPI registration process is as follows:

• Download any UPI-enabled fund transfer app either from Google Play or Apple App Store.
• Complete the registration process using your mobile number.
• Once registered, you’ll be asked to select the bank’s name from the list and link the UPI app with the selected bank.
• Set a 6-digit UPI ID or a 4-digit PIN to carry out safe and secure transactions in the future.

The UPI payment process

• Login into the UPI-enabled payment app
• Move to the ‘Payments’ section
• Click on the ‘Send Money' tab.
• Enter the Kotak Mahindra credit card account number and IFSC Code
• Enter the amount to be paid.
• Enter remarks, if any
• Click on the ‘Pay’ button and confirm the transaction

Additional Info: Latest update by RBI on Credit Card Bill Payment Due Date Check Now!!

In addition to online channels, Kotak Mahindra Bank credit card bill payments can also be made through offline channels. These include:

• Cash
• Cheque
• Customer care phone banking

How to Pay Kotak Mahindra Credit Card Payment Offline By Cash?

Kotak credit card bill payment can be done through cash at the nearest Kotak Mahindra bank branch. Provide your Kotak Mahindra 16-digit credit card number at the payment counter. The bank will charge Rs. 100 + GST as cash handling charges.

How to Pay Kotak Mahindra Credit Card Payment Offline By Cheque?

Kotak Mahindra credit cardholders can issue a cheque in favor of Kotak Mahindra Bank Credit Card Account and clear the outstanding dues.

The cheque will be payable to Kotak Mahindra Bank Card A/C XXXX XXXX XXXX XXXX (16-digit Kotak Mahindra credit card number)

How to Pay Kotak Mahindra Credit Card Payment Offline Using Customer Care Phone Banking?

Kotak Mahindra credit card customers who also have a savings or current account with the bank can make Kotak credit card bill payment by calling the customer care helpline of the bank. The Kotak Credit Card Customer Care Number is 1860 266 2666. Choose the ‘Banking Option’ from the IVR and subsequently instruct the customer service executive to initiate the amount transfer from your bank account to your credit card account.

The Kotak Mahindra bank credit card payment can be made through various modes. Each mode has a different processing time i.e. the time taken before the payment reflects in the credit card account varies. Therefore, it is important to be aware of the processing time for every channel because a delayed credit entry after the bill payment due date will attract late payment charges.

The time taken by different bill payment methods via which Kotak Mahindra Credit Card Payment is made is given below: