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Am I eligible for a Credit Card?

The eligibility criteria for a kotak credit card will vary for every applicant. However, there are some criteria that remain uniform and these include:

For Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, Urbane Gold Credit card primary applicant must be in the age bracket of 21 – 65 years.
For 811 Dream different Credit card, NRI Royale Signature Credit card the primary applicant should be in the age bracket of 18 years to 75 years.
Must be an Indian resident
Must be a salaried employee or self-employed (With income proof)
Must meet the income requirement set by the bank
Must be a resident of the serviceable locations within India

क्रेडिट कार्ड की व्याज दरें क्या होती हैं?

कोटक महिंद्रा बैंक प्रति माह 3.50% की ब्याज दर लेता है जो प्रति वर्ष 42% तक हो सकता है।

What are the features of Kotak 811?

811 is a fully loaded Digital Bank Account brought to you by Kotak Mahindra Bank. Below are the key features of your 811 account:

Interest rate: Earn up to 4.5%* interest p.a. on your savings account balance
No Minimum Balance: Enjoy banking with no balance commitment
Virtual Debit Card: Shop online with ease using your virtual debit card
Free funds transfer: Transfer funds online for free using NEFT or IMPS or RTGS
Physical Debit card: Request a physical card through Net-banking or Mobile Banking App and get it for Rs.199+applicable GST per annum

Daily balances in Savings Account up to Rs. 1 lakh continue to earn 3.50% p.a. interest. W.e.f. Dec 11, 2020, interest rate of 4% p.a. will be applicable on daily balances in Savings Account over Rs. 1 lakh and up to Rs. 1 crore while interest rate on daily balances in Savings Account above Rs. 1 crore stands revised at 3.50% p.a. These interest rates are applicable for Resident Accounts only.

Example: If End of Day Savings Account balance is Rs. 1,50,000, then Rs. 1,00,000 will earn interest of 3.50% p.a. and Rs. 50,000 (being the balance in excess of Rs. 1,00,000), will earn interest of 4.00% p.a.

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How to remove Kotak Cards from Google Pay?

To remove Kotak Card from GPay App, follow below steps:

Open Google Pay App
Tap Settings - Payment methods.
Tap the card that you want to remove..

Please note:

Removing your Card from Google Pay will automatically disable all forms of tokenized card payments.

You can also call Kotak Bank to de-register your card on a per use case basis post card addition

What will be the fees & charges for 811 account?

811 is free for use in the digital world. This means -

We won’t charge you any minimum balance fees
We will give you a virtual debit card for free
We won’t charge you for any fund transfers done via our app or Net Banking

If you select one of our additional services, such as a physical debit card or a cheque book*, there may be additional charges. For detailed features and charges, please check here

* Cheque book charges are applicable only to Full KYC customers
** Not available for 811 Lite customers

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If I change phones, do I need to add the Cards all over again?

Yes, if you change your phone then all your Kotak Debit/Credit cards would have to be added again as Cards are device specific.

Will my Google Pay Card information still be on my device if it is formatted/reset?

No. Formatting or resetting your device will remove all payment Cards registered on your device.

I want to recycle/give away my phone but my Cards are still added on the Google Pay app. What should I do?

You should delete all your Cards one at a time from Google Pay App
You should also log out of Google pay app and uninstall the Google Pay app

Do I need to have an active internet data connection for Google Pay to work?

Google Pay requires an active internet connection for Card registration and activation. Google Pay also requires an active internet connection for performing in-app (ecommerce) and Scan & pay transactions. However, an active internet connection is not required to do Tap & Pay for in-store card purchases, if you already have an added Kotak Debit/Credit card.

Google Pay does require internet connection periodically to update its security features. In such instances, if there is no internet connection, the app might not work intermittently until an active connection is established.

Will my Kotak Debit/Credit Card work on Google Pay if my physical Card is closed or blocked?

No, if your physical card is blocked, then your tokenized card on Google Pay will not work.

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