Everyday Banking

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Some
Financial Tips

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Relevant
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Your Major Expenditure(s)

If you’ve ever seen your total spending at the end of the month and wondered where it all went, you’re not alone. Those seemingly small expenses can end up making a big dent. The good news? You can start small with the changes, too. You’d be surprised at the difference they make in the long run.

A few useful tips:

Before you buy something, do your homework online. Download a grocery app for discounts on products you use regularly. Compare the price of those denims on various sites to find the best deal.

Use the same credit card for all your shopping. That way, you’ll earn more points in one place, and get better rewards.

If you have a brand or store you prefer, become a member. Loyalty cards often come with great offers and perks.

Make a list. Especially when you’re grocery shopping. As simple as it sounds, it’ll help you stay focused on what you need and avoid those impulse buys.

Consider bulk buys for your kitchen and wardrobe staples. You can save a lot by stocking up on those non-perishables when they’re on sale.

Unplug everything when you’re not using it. Buy energy-efficient appliances that switch off automatically when not in use, to save power and money.

Sign up for a family cellphone plan with relatives or friends, and you’ll get a lot more value for your money.

Set up automatic bill payment online. No late payment charges, less stress every month.

Replace all your light bulbs with long-lasting LED bulbs.

Your AC probably has the greatest impact on your electricity bill. By regularly maintaining it and cleaning the filters (especially before summer), you can bring down its energy usage and save more.

Plan your daily commute better. Taking a shared taxi or carpooling regularly can help you save quite a bit over the month.

Check aggregator websites for the best deals when you’re making travel plans.

Don’t leave holiday planning till the last minute. You’ll end up saving a lot by simply booking your flights and hotels a few months in advance.

Flying at odd hours might take effort, but it’s well worth it. Take the red-eye for your work trips, and schedule family travel a day before or after the weekend to save money.

Use a prepaid travel card for trips abroad, and you’ll never have to worry about currency rate fluctuations again. They’re safer, more convenient than cash and also offer great discounts on dining, shopping and more.

Look at the pricing options available for your cable and internet services. If you aren’t using them as much as you thought you would, downgrading or bundling them together will save you money.

Don't wait for the weekend to go to the movies. A lot of multiplexes offer great deals on certain weekdays.

Entertainment streaming sites offer a dizzying variety of movies and shows you can watch at home, for a lot less. Subscribe to one, and you might never watch cable again.

Theatres and comedy clubs often charge less while featuring upcoming plays and artistes on weekdays. Go easy on your spending while giving some new talent a chance.

If you’re visiting an amusement park or attending a concert, get a group discount by planning your trip with a few friends in tow.

Before heading out for a meal, go online. Many of your favourite restaurants might offer coupons and discounts on the web. Look up the ‘Deals of the Day’ before you pick a place for dinner.

When the bill arrives, pay with your cash back credit card. Some of these may offer discounts directly, too.

Go on a lunch date instead of dinner. Restaurants usually offer combos or discounts to fill tables at this slow hour.

Sign up for membership at your favourite restaurants, and enjoy a meal on your birthday and anniversary for less.

Pick the right day of the week to eat out. Business is usually slow for restaurants on Mondays and Tuesdays, so you’re likely to eat for less. Avoid major holidays. Those fixed-price-menus don’t do your wallet (or your waistline) any good.
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World Debit Card

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Selected Homme

10% Instant Discount on a minimum transaction on Rs. 3,990/- and Maximum upto Rs. 1,500/- on a single transaction on Credit Card purchase at Brand Exclusive Stores and Online Store

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Jack & Jones

10% Instant Discount on a minimum transaction on Rs. 3,990/- and Maximum upto Rs. 1,500/- on a single transaction on Credit Card purchase at Brand Exclusive Stores and Online Store

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Vero Moda

10% Instant Discount on a minimum transaction on Rs. 3,990/- and Maximum upto Rs. 1,500/- on a single transaction on Credit Card purchase at Brand Exclusive Stores and Online Store

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ONLY

10% Instant Discount on a minimum transaction on Rs. 3,990/- and Maximum upto Rs. 1,500/- on a single transaction on Credit Card purchase at Brand Exclusive Stores and Online Store

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Myntra

10% instant discount upto 1000 on minimum transaction of INR 3500

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The Moms Co

Flat Rs 500 off on shopping of Rs 899 or more.

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The Bear House

Get Flat 30% off on a minimum spend of Rs.3999 at The Bear House using Kotak Mahindra Bank Credit & Debit Card.

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Rare Rabbit

Get Additional 15% off on a minimum spend of Rs. 5000 at Rare Rabbit using Kotak Mahindra Bank Credit & Debit Card.

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Myntra

10% instant discount upto 1000 on minimum transaction of INR 3500 via select Kotak Credit Cards, Debit Cards & Credit /Debit Card EMI's 12.5 ( 7.5% + 5% ) instant discount upto 750 on ...

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Licious

Get Flat 40% OFF on a minimum order of Rs 299 @ Licious on Using Kotak Mahindra Bank Credit & Debit Card.

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Wakefit

Avail No Cost EMI on Kotak Credit Card EMI

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Myntra

Get 10% instant discount upto INR 1000 on minimum order value of INR 5000 via Select Kotak Credit Card, Debit Card & EMI for Curtain rasier & 10% instant discount upto INR 1000 on min o...

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Croma- Republic Day

Upto Rs 26,000 instant Discount on Credit Cards, Credit and Debit Cards EMI

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Myntra Luxe

10% instant discount upto INR 1500 on minimum transaction of INR 5000 on Kotak Signature & Infinite Credit & Debit Cards

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Myntra

10% instant discount upto Max Discount of INR 1000 on Kotak Credit Cards, Debit Cards, Credit Card EMI & Debit Card EMI
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Blinkit

Flat INR 250 off on Min transaction of INR 750 on Kotak Credit & Debit Cards

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Flipkart

10% Instant Discount with Kotak Bank Credit & Debit Card on EMI transactions only (Valid on Saturday & Sunday)

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Swiggy Instamart

12% instant discount upto Rs 200 on Min transaction of Rs 999 valid only on Select Kotak Credit

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Reliance Digital

Reliance Digital Diwali Offer | Up to 15000 Instant Discount with Kotak Mahindra Bank Credit Cards, Credit Cards EMI and Debit Cards EMI transactions

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Hamleys

10% off upto minimum transaction value Rs. 2,999/- on using Kotak Bank Credit and Debit Cards

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Nykaa

10% instant discount on minimum spends of Rs.2,000 (maximum discount of Rs.250) with your Silk Platinum Debit Card

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Fable Street

Get Rs 500 additional off on Apparels on Using Kotak Mahindra Bank Credit & Debit Card.

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Fable Street

Get Rs 500 additional off on Apparels on Using Kotak Mahindra Bank Credit & Debit Card.

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Amkette

Get FLAT 50% off on Amkette TWS earphones on shopping using Kotak Mahindra Bank Credit & Debit Card.

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MyGlamm

Get Flat Rs 500 off on shopping worth Rs 899 and above at MyGlamm using Kotak Mahindra Bank Credit & Debit cards.

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ITCSTORE

Upto 45% OFF + EXTRA Rs.200 OFF on ITC Store!

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Nykaa

10% instant discount on minimum spends of Rs.2,000 (maximum discount of Rs.250) with your Silk Platinum Debit Card

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BigBasket

Instant discount of 12% | Min Purchase: Rs. 2000 | Max Discount: Rs. 300 for Credit Card

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Plutos One

Get discounted deals on Select brands using your Kotak Credit Card, Debit Card or Net banking

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SNITCH

20% OFF on minimum purchase of Rs.1499

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Amazon

Get 7.5% Instant Discount on Kotak Mahindra Bank Credit card EMI only

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Surat Diamond

Rs.3000 off on purchase of min. Rs.10000 at Surat Diamond using Kotak Bank Cards and Net Banking

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Myntra

10% instant discount upto 1000 on minimum transaction of INR 3500 via select Kotak Credit & Debit Cards

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ITCSTORE

Upto 45% OFF + EXTRA Rs.200 OFF on ITC Store!

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Zepto

12% instant discount upto Rs 200 on Min transaction of Rs 999 valid only on Select Kotak Credit Cards

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Myntra

10% instant discount upto 1000 on minimum transaction of INR 3500 via select Kotak Credit Cards, Debit Cards

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St Botanica

Get Flat Rs 500 off on shopping worth Rs 899 and above at St. Botanica using Kotak Mahindra Bank Credit & Debit cards.

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Myntra

10% instant discount upto 1000 on minimum transaction of INR 3000

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Your Major Expenditure(s)

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Based on your personal information and major expenditure(s), we are showing you options where you could save efficiently as well as spend judiciously.
We recommend you to open a {{title}} for your daily needs. We also suggest you to go for a credit card which compliments your lifestyle and will also help you with unlimited offers while you pay off your bills
Infinite Wealth Management Debit Card

Enjoy exclusive deals and discounts at merchant outlets in categories such as Lifestyle, Fine Dining, Travel, Health & Fitness and more!

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Infinite Debit Card

Enjoy exclusive deals and discounts at merchant outlets in categories such as Lifestyle, Fine Dining, Travel, Health & Fitness and more!

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PVR Kotak Platinum Credit Card

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Kotak UPI RuPay Credit Card

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Classic One Debit Card

Get access to great deals and discounts online and at retail outlets.

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Forex Card

Global convenience and unmatched security. A prepaid travel card that allows you to forget the hassles of carrying foreign currency.

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World Debit Card

All consumer durables purchased using this card are insured against fire, burglary and housebreaking up to 60 days from the date of purchase.

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Privy League Platinum Debit Card

With this card you are eligible to apply for Priority Pass which gives you access to more than 850 VIP airport lounges.

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#PayShopMore Debit Card

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Save to Everything Me Remove from Everything me

Everyday Banking

Your Major Expenditure(s)

A few useful tips:

Online shopping - is the name of the game

Bill Payments - An offline to online shift

How entertainment has changed over time

How eating out has changed over time

The journey of commuting in India

The evolution of shopping - Then & now

Getting your first credit card? Here’s everything you need to know

Planning to have multiple credit cards? Here’s how it could affect your credit score

4 Ways credit cards enhance your shopping experience

Personal Loan EMI Calculator

Goal Planner

Recurring Deposit Calculator

Explore our Banking products and offers

Infinite Wealth Management Debit Card

Infinite Debit Card

PVR Kotak Platinum Credit Card

Kotak UPI RuPay Credit Card

Classic One Debit Card

Forex Card

World Debit Card

Privy League Platinum Debit Card

#PayShopMore Debit Card

Selected Homme

Jack & Jones

Vero Moda

ONLY

Myntra

The Moms Co

The Bear House

Rare Rabbit

Myntra

Licious

Wakefit

Myntra

Croma- Republic Day

Myntra Luxe

Myntra

Blinkit

Flipkart

Swiggy Instamart

Reliance Digital

Hamleys

Nykaa

Fable Street

Fable Street

Amkette

MyGlamm

ITCSTORE

Nykaa

BigBasket

Plutos One

SNITCH

Amazon

Surat Diamond

Myntra

ITCSTORE

Zepto

Myntra

St Botanica

Myntra

Just a few set of questions and we can guide you better in getting a personalized set of solution

Tell us a bit about yourself to guide you better

Your Major Expenditure(s)

Your Personal Information

Infinite Wealth Management Debit Card

Infinite Debit Card

PVR Kotak Platinum Credit Card

Kotak UPI RuPay Credit Card

Classic One Debit Card

Forex Card

World Debit Card

Privy League Platinum Debit Card

#PayShopMore Debit Card