Cibil Score for Credit Card FAQs

Cibil Score for Credit Card FAQs

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Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

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.

Transparency

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.

Relevance

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!

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Whom has the League Platinum card been designed for?

The Kotak League Platinum card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.

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What type of card is League?

The Kotak League Card is a VISA Platinum card.

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Is this card valid internationally?

Yes, the Kotak League Platinum card is valid internationally.

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Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

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Do I enjoy any interest free period on cash?

The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.

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What is the interest rate that is applicable to me?

The interest applicable to you is 4% per month

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When do you charge me an International mark up fee?

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.

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When do you charge me an over limit charge?

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.

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How is the interest calculated on cash?

Please refer to 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 = (3.5%) * 12/365 = 0.1118%

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Am I entitled for an Add on card?

Yes, Add on cards are available on League Platinum Card. It is offered complimentary to the Kotak League platinum customers.

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Are all the League features available on the Add on card?

Yes, all League features can be availed by the add on card holder.

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What is 'Priority Attend'?

This is a customer service initiative from Kotak Credit Cards especially for Platinum customers. Just SMS us & we will reach you within 2 hours. You can also request for a cheque pick up, which is a complimentary service for our Platinum customers.

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Do I have to register for this service?

Just register your mobile number with us once and then whenever you want us to reach you, all you need to do is SMS Kassist to 5676788.

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Incase of emergency where can I call?

Incase, you feel a need to speak to a Customer care executive immediately, you could call us on 1860 266 2666 (24x7)

Incase of emergency where can I call?

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Where is the waiver valid?

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.

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What is the minimum/ maximum transaction amount for a single swipe?

The minimum is Rs. 500 and the maximum is Rs. 3000.

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What is the maximum fuel surcharge waiver that I can get on a single transaction?

The maximum eligible transaction amount for a single swipe is Rs. 3000. Hence maximum surcharge waiver can be Rs. 30 (currently at 1%) of Rs. 3000.

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Is there any monthly or annual cap on how much surcharge can I earn?

Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 3500

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When is the waiver applicable?

On purchasing of rail tickets online the customer levied surcharge and a delivery charge of Rs. 30. League Platinum Card. Card offers you a Railway Surcharge on this.(ST applicable)

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What is the maximum surcharge waiver that I can get?

You can earn up to Rs. 500 annually as Railway Surcharge waiver.

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Is the waiver applicable at the ticket booking counters as well?

Surcharge waiver is applicable at booking counters as well if you use your League Platinum Card card to buy the tickets.

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Is there a special service offered while canceling the tickets?

No there is no special service offered. The surcharge will be automatically reversed if you cancel the tickets.

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