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How Can a Kotak Purchase Credit Card Help

Get your hands on the exclusive Kotak Purchase Credit Card, designed for centralised payment of miscellaneous administrative expenses, accounts payable, utilities and taxes, online marketing, and IT costs. It is issued in your company's name, offering corporate liability for payments. It is ideal for businesses seeking convenience and control, helps streamline vendor payments, excise duty payments, and enhances purchasing efficiency.

Here’s how Kotak Purchase Credit Card can be useful for your business:

Tax payments: Effortlessly manage tax obligations with a dedicated credit card for timely and secure payments.

GST payments: Streamline GST compliance and avoid late payment penalties with convenient credit card payments.

Utility payments: Consolidate electricity, water, and other utility bill payments for efficient expense management.

Employee reimbursements: Simplify expense claims and reimbursements with a corporate credit card for easy tracking and reconciliation.

Subscription payments: Manage recurring software, cloud service, and platform subscriptions efficiently through a centralised payment solution.

Fees & Charges

Fee & other Parameters	Purchase Credit Card	TMC Credit Card
Joining Fees	Nil	Nil
Annual Fees	Nil	Rs. 999
Condition for waiver of Annual Fees - First Year	NA	NA
Condition for waiver of Annual Fees - Second Year	NA	NA
Addon card Fees	NA	NA
Interest Charges on outstanding Balances	3.30% (Annualized 39.6%)	1.49% (Annualized 17.88%)
Minimum Amount Due (MAD)	Upto 100%	Upto 100%
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	NA	NA
Late Payment Charges ("LPC")	Rs. 100 for statement o/s less than or equal to Rs. 500.	Rs. 100 for statement o/s less than or equal to Rs. 500.
	Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.	Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.
	Rs. 700 for statement o/s greater than Rs. 10,000)	Rs. 700 for statement o/s greater than Rs. 10,000)
Returned Cheque Charges	2% subject to a minimum of Rs. 500	2% subject to a minimum of Rs. 500
Foreign Currency Mark Up	Upto 3.50%	Upto 3.50%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived	Waived
Fuel Surcharge (1% on transaction)**	Waived	Waived
Fee for Cash Payment at Branch	Rs. 100	Rs. 100
Card Replacement Fee (Lost & Damaged Cards)	Waived	Waived
Please Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
*Maximum Railway surcharge waiver of Rs. 500 in a calendar year
** Fuel surcharge to be waived only for transactions between values of Rs. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 3500 in a calendar year

Purchase Credit Card

How Can a Kotak Purchase Credit Card Help

Here’s how Kotak Purchase Credit Card can be useful for your business:

Key Features & Benefits of a Kotak Purchase Credit Card

Interest-Free Credit Period

Incentives and Rewards

Dedicated Service Manager 24x7

Worldwide Acceptability

Fees & Charges