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For Kotak Bank Customers
For Kotak811 Customers
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Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.
Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit card!
In case if you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
On purchasing of rail tickets online at www.irctc.co.in the customer is levied a 1% surcharge and on purchasing of rail tickets from the Indian Railways Booking Counters customer is levied a 1% surcharge. The Delight Platinum Card offers you Waiver of this surcharge of 1 % that is levied.(ST Applicable)
No. There is no waiver applicable on the delivery charge.
You can earn up to Rs. 500 annually as Railway Surcharge waiver.
No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.
Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but 811 #DreamDifferent Credit Card will offer the customer fuel surcharge waiver across all domestic petrol pumps.
The minimum is Rs. 400 and the maximum is Rs. 4000.
The maximum transaction amount for a single swipe is Rs. 4500. Hence the maximum surcharge waiver can be Rs. 40 (1% of Rs. 4000).
Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 4500
The 811 #DreamDifferent Credit Card is a VISA Platinum Card.
Only 811 #DreamDifferent Credit Card offers you a unique combination of affordable and easily accessible cash - all year round. We give you not only interest free period on cash advances & a higher cash limit of 90% but we are also available to you at any ATM, Kotak Mahindra Bank branch, online or even on phone.
Cash limit on the card refers to the percentage of your credit limit which you can take as a cash advance. While most other cards offer a 40% cash limit on joining only 811 #DreamDifferent Credit Card gives you a higher cash limit of 90%.
There are no joining fees or annual fees on 811 #DreamDifferent Credit Card.
Yes, this Card is valid internationally.
Yes, only 811 #DreamDifferent Credit Card offers you a interest free period on cash advances of up to 48 days.
Please refer the below information:
Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest).
Daily rate of interest = (Monthly interest rate) * 12/365
Daily rate of interest = (3.50%) * 12/365 = 0.1150%
Illustration of Interest Calculation
You got your new Kotak Credit Card and started using it. Illustrated below is the calculation for first 2 cycles on your Kotak Credit Card.
Cycle 1 (11 Apr - 10 May)
Statement Date 10th May
Payment Due date 28th May
Cash was withdrawn from ATM on 17th Apr for Rs. 20000 at a Grocery Store
TAD = Opening balance +Current Month Cash Advance + Interest + Fees - Payments
Rs. 20600 = 0 + Rs. 20000 + 0 + 600 - 0
MAD = 5% of TAD
Rs. 1000 = 5% of Rs. 20000
Interest Charged = No Interest is charged
Cycle 2 (11 May - 10 Jun)
Statement Date 10th Jun
Payment Due date 28th Jun
Option 1 (Payment = TAD)
Payment of last months TAD of Rs. 20600 is made on 28th May.
Interest calculations:
Interest Rate = 3.50% pm = 3.50%*12/365 per day = 0.1150% per day
TAD = Opening balance + Current Month Purchases+ Interest + Fees - Payments
Rs.0 =Rs. 20000 + 0 + 0 + 600 - Rs. 20600
MAD = 5% of TAD
Rs.0 = 5% of 0
No Interest being charged as the total payment for cash withdrawn was made before the payment due date.
Option 2 (Payment = MAD)
Payment of last months MAD of Rs. 1000 is made on 28th May.
Interest calculations:
Interest Rate = 3.50% pm = 3.50%*12/365 per day = 0.1150% per day
TAD = Opening balance + Current Month Purchases+ Interest + Fees - Payments
Rs. 20406.07 =Rs. 20000 + 0 + Rs. 806.07 + Rs. 600 - Rs. 1000
MAD = 5% of TAD
Rs. 1020.30 = 5% of 20406.07
Interest will be charged on Rs. 20000 till the part payment date and interest would be charged on the remaining amount
i.e. Rs. 19000 till the time cash balance is settled in customer's account.
Option 3 (MAD < Payment < TAD)
Payment of last months MAD of Rs. 10000 is made on 18th May.
Interest calculations:
Interest Rate = 3.50% pm = 3.50%*12/365 per day = 0.1150% per day
TAD = Opening balance + Current Month Purchases+ Interest + Fees - Payments
Rs. 11396.24 =Rs. 20000 + 0 + Rs. 796.24 + Rs. 600 - Rs. 10000
MAD = 5% of TAD
Rs. 569.81 = 5% of 11396.24
Interest will be charged on Rs. 20000 till the part payment date and interest would be charged on the remaining amount
i.e. Rs. 10000 till the time cash balance is settled in customer's account.
Please note that the per day interest rate in the above calculation is for illustration purpose only and the actual applicable rate shall be as prevailing and quoted in the schedule of charges.
Yes, you also enjoy a interest free period on your retail transactions for up to 48 days.
A Mark up is charged to the tune of 4% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up.
If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs. 500 in each billing cycle that you are over limit.
Yes, Add on cards are available on 811 #DreamDifferent Credit Card. It is offered complimentary to the 811 #DreamDifferent Credit Card customers.
Yes, all 811 #DreamDifferent Credit Card features are available for the Add-on card holder except the following:
1) Yes, there is a reward program on the 811 #DreamDifferent Card.
2) 2 reward points on every Rs. 100/- of online spends
3) 1 reward point on every Rs. 100/- of other spends. These spends exclude Fuel and Railway transactions as this card also offers 1% fuel surcharge waiver and 1.8% railway surcharge waiver.
Kotak not only gives access to its own network of more than 300 ATMs but also gives you the benefit of withdrawing from any other VISA ATM at absolutely no extra charge. You just have to pay a cash withdrawal fee of Rs. 300 per Rs. 10,000 or part thereof.
Cash withdrawal fee refers to the charge which is levied every time you withdraw cash from an ATM. Only 811 #DreamDifferent Credit Card charges a minimal Rs. 300 per Rs. 10,000 withdrawn at any ATM – Kotak or any other VISA ATM.
You can withdraw a maximum of Rs. 25000 per day - ATM withdrawal, Cash withdrawal at Branch & Funds transfer - all combined together.
Cash withdrawal at an ATM is only possible if you remember your Credit Card PIN, incase you have forgotten the same please walk into our Kotak Mahindra Bank branch and withdraw cash from your credit card by producing relevant ID Proofs.
The customer can avail of the service by walking into the branch, going to a teller's counter and providing the teller with his Kotak credit card and his Photo ID proof.
The following can be used - Driving License, Passport, PAN card, Voters ID.
No there is no need for a registration. Just walk into any of the Kotak Mahindra Bank branches to avail the facility.
You can withdraw a maximum of Rs. 25000 per day - ATM withdrawal, Cash withdrawal at Branch & Funds transfer - all combined together.
There is no other fee which is applicable apart from the cash withdrawal fee. Only a cash withdrawal fee of Rs. 300 per Rs. 10000 as is applicable for an ATM withdrawal which will be charged to your credit card account.
The customer using his Kotak Credit Card can transfer funds into any of his existing Kotak Mahindra Bank accounts. Just walk in to a branch with your credit card and a valid identity proof and ask for a fund transfer into your account.
No, customer does not need to register for the same.
Once you have placed your request, it will take minimum 36 hrs for the transfer to take place.
You can issues cheques / instructions for payment as soon as the funds get transferred into your account.
No, this service comes to you at no extra charge. Only a cash withdrawal fee of Rs. 300 per Rs. 10000 as is applicable for an ATM withdrawal which will be charged to your credit card account.
You can withdraw a maximum of Rs. 25000 per day - ATM withdrawal, Cash withdrawal at Branch & Funds transfer - all combined together.
No customer requires to log in with Username and Password for fund transfer.
No, the transfer can happen only into your account.
You can withdraw a maximum of Rs. 25000 per day - ATM withdrawal, Cash withdrawal at Branch & Funds transfer - all combined together.
Just call our customer care service request for a demand draft. You can also log on to www.kotakcards.com and follow the simple instructions given online to request for a draft.
No the delivery can happen only at the customers registered address.
The maximum value for which you can get a draft is your available cash balance as at the time of placing the request.
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