Kotak Credit Card Customer Care

A credit card is a great financial tool. Its convenience and utility increase manifold if a robust customer care mechanism backs it. Kotak credit card customer care segment ensures ease of operations through quick resolutions. Kotak Bank offers numerous channels through which Kotak credit cardholders can raise queries and seek resolution, namely Kotak credit card customer care number, customer care service on SMS and through missed call, international helpline number, Kotak credit card customer care e-mail ID. Read through to understand the step-by-step procedure of each channel.

Kotak credit card customer care has a dedicated team of efficient customer care executives. The 24X7 Kotak credit card customer care number is 1860 266 2666. It is a toll-free facility. In addition to this, city-wise, Kotak credit card customer care number toll-free numbers are also available. Please keep your CRN, credit card number, and PIN handy before calling.

The list is as follows:

For reporting fraud or an unauthorized transaction in your credit card, customers can also call a dedicated 24X7 Kotak credit card customer care @ 1800 209 0000.

To avail of Kotak Bank credit card missed call service, give a missed call on 9718566655. Make sure that the call is made from the registered mobile number. Once the call is made, you will instantly receive a welcome message on WhatsApp from Kotak Bank's official number 022 66006022. It will also contain all the service-related details. Proceed through WhatsApp by sending the service-related message and getting information.

You may also call 1800 274 0330, Kotak credit card missed call balance check number for balance inquiry. This is a toll-free number. After giving a missed call, an SMS is received immediately on the registered mobile number.

Missed call service can help you get information on:

• Available credit limit
• Total outstanding as of Date
• Total Amount Due as on last bill date
• Total Minimum Amount Due as on last bill date
• Date and amount of last payment received
• Due Date of the current outstanding
• Balance Outstanding

Kotak credit card customers can get the latest updates on their credit card-related queries like card balance, outstanding amount, etc., through the SMS facility. To avail of this service, cardholders must send an SMS to 9971056767 or 5676788 from the registered mobile number. Please note the SMS format varies for each inquiry. The details are listed below:

*Please note XXXX are the last 4 digits of the credit card number.

Customers can seek Kotak credit card-related clarifications by calling Kotak bank credit card customer care number 1860-266-2666. The customer is required to specify the type of query for quick and speedy resolutions. Prospective customers, credit card applicants, and non-bank customers too can avail themselves of this facility. While a range of queries is addressed through customer care, the following are the most common credit card queries.

Loss of Credit Card: The credit card is as good as money, and so any loss or theft of the same must be immediately reported to the Kotak credit card customer care number at 1800 209 0000 or 1860-266-2666. The bank representatives will immediately block the card after verifying your credentials. Alternatively, the cardholder may log in at https://www.kotak.com/en/transaction-services/report-lost-card.html and report the loss or theft, as the case may be.

The customer can send an SMS 'KCCLOST  XXXX (where XXXX are the last four digits of the Credit Card number) to 5676788 and get the lost or stolen card blocked.

Issue of Replacement Card: There may be instances where the card is neither stolen nor lost but has been damaged. It is not operational because of the damage. Under such circumstances, the customer may call the Kotak credit card

customer care number 1800-209-0000 or 1860-266-2666 and request a renewed card. The replacement card is issued in lieu of a nominal fee plus GST. A renewal card is also issued to the customer to enable them to make purchases through the Kotak credit card in the future.

Transaction Dispute: There may be instances wherein the credit card has been debited with transactions not carried out by the customer. To report such fraudulent activity, the customer can call round-the-clock Kotak bank credit card customer care number 1800 209 0000 and report the misuse. In case the dispute is found to be genuine, the bank will reverse the transactions, and the rectification will feature in the subsequent bills.

In addition to the Kotak Mahindra bank credit card customer care number, customers can approach the bank in varied ways. In case the matter is not urgent, the cardholder can touch base with the bank representatives through e-mail ID security.bank@kotak.com.

Kotak Bank also provides international customer support to its credit card customers. The Abroad Helpline Number: +91 22 6204 2001 is a chargeable number, i.e. callers will be charged for the facility availed. Alternatively, credit cardholders can call on below-mentioned toll-free international helpline numbers. The toll-free international helpline numbers are:

If a Kotak Credit Card customer has an unresolved query or grievance, they can reach out to the Kotak Mahindra credit card customer care. The company has a well laid-out grievance redressal mechanism in place encompassing four different levels

Level 1

The Level 1 grievance redressal allows customers to post their query online on Kotak credit card customer care e-mail ID or call the Kotak Bank credit card customer care number 1860 266 2666. The number, dedicated to the bank and credit card team, can be accessed round the clock. The customer has the option to visit the physical bank branch or write to the bank through a traditional post. The postal address is.

Kotak Mahindra Bank Ltd.

PO Box 16344, Mumbai 400013

Once the customer has complained, they will be allotted a Service Request Number. The customer will receive the exact resolution via e-mail or SMS on the registered mobile number as per the under mentioned Turn Around Time (TAT):

• Update on credit card application status: 2 Days
• Payment not reflecting in credit card account: 8 Days
• Unauthorized credit card transaction: 35 Days
• Chargeback for erroneous (non-fraud) transactions: 35 Days.

Level 2

If the customer does not get a satisfactory reply within seven days of lodging a complaint, they may escalate the matter by sending an e-mail to the Service Assurance Center (Use link https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-2.html). The customer must mention the Service Request for speedy and accurate response.

Instead of sending an e-mail to the Service Assurance Center, the customer can also download the Grievance/Complaint form and send it by post to the under mentioned address:

Kotak Mahindra Bank Ltd.

Service Quality

4th Floor, Bldg No. 21,

Kotak Infiniti, Infinity Park,

Off. Western Express Highway,

General AK Vaidya Marg,

Malad (E) Mumbai-400097

The Grievance/Complaint form is available in 11 different languages and can be found at https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-2.html.

The Grievance/Complaint form clearly mentions that the bank is the first point of redressal. In case the issue remains unresolved even after a month of lodging the complaint, the customer can escalate the matter to the Banking Ombudsman.

Level 3

The customer can send an e-mail to the nodal officer Ms M. Raju (Contact details are available under the Kotak Nodal Officer Contact Details section) in case a satisfactory response from Level 2 escalation is not received within five days. 

The customer must mention the earlier status along with frontend failure points, so that appropriate resolution is possible.

Level 4

The customer can approach the Principal Nodal Officer, Mr K. Vora (Senior Executive Vice President) (Contact details are available under the Kotak Nodal Officer Contact Details section) in case they do not receive a satisfactory response from Level 3 escalation within five days.

In case the customer fails to receive a satisfactory response to a query, an escalation to the Nodal Officer can be made. The Kotak Nodal Officer contact details are as follows:

1. Name: Mr K. Vora (Senior Executive Vice President)

Designation: Principal Nodal Officer

Address: Kotak Infiniti, 4th floor, Zone 1, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (East), Mumbai – 400097

Telephone No: +91 8879412910. Call from Monday to Friday between 10:00 am to 6:00 pm

2. Name: Ms M. Raju

Designation: Nodal Officer

Address: Kotak Infiniti, 4th Floor, Zone 4, Bldg No.21, Infinity Park, Off Western Express Highway, General AK Vaidya Marg, Malad (East), Mumbai – 400097

Telephone No: +91 8879374983. Call from Monday to Friday between 10.00 am to 6.00 pm

The address for Kotak Bank credit card customer care unit is:

Registered office: 

27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051

Kotak Mahindra Bank Ltd.

PO Box: 16344, Mumbai - 400013, Maharashtra, India

In addition to the Kotak customer care channels mentioned above, other ways to connect with Kotak's credit card customer care are through Keya, the AI-enabled interactive tool.

• Call Keya @ 1860-266-2666, or Kotak 811 customers can call 1860-266-0811
• Chat with Keya through weblink https://www.kotak.com/en/customer-service.html Branches and ATMs – locate your nearest bank branch to visit personally.