Smart EMI Card – Apply Now

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Presenting Kotak Smart EMI Card, the smart way to shop for the things you love!

Online or In-store, wherever you wish to buy from, Kotak Smart EMI Card has you covered. It lets you shop at over 2 lakh online and store partners across India, and then convert the transaction to easy EMIs with the tenure of your choice. The EMIs are debited automatically from your registered Savings Account.

Check out its many benefits:

No Cost* and Low Cost* EMIs
No money blocked in your account
Zero Down Payment financing
Accepted at over 20,000 online and 1,85,000 on-ground stores
Choice of tenures: 3,6,9 or 12 months
Virtual card in your Kotak Mobile Banking App
Exciting offers and cashback

How to Apply:

Kotak Smart EMI Card is available for select Kotak Mahindra Bank customers and new-to-bank Customers (Not a Kotak Mahindra Bank customer)

If you are an existing Kotak Mahindra Bank customer:

Log in to your Kotak Mobile Banking App
Go to the Cards section on the Home screen and tap on the Smart EMI Card icon
You will be able to see your pre-approved credit limit and the card joining fee
Select your Kotak Bank Account and pay the Smart EMI Card fee
You will receive the physical card at your registered address within 15 days

If you are viewing this page on your mobile click below , otherwise follow the above steps

Know More

If you are not a Kotak Mahindra Bank customer or don't have a pre-approved limit:

Walk into any of our partner stores and talk to our Representative

Locate Partner Stores

How to Activate your Kotak Smart EMI Card:

Set your Smart EMI Card PIN:

Log in to the Kotak Mobile Banking App
Go to Service Request > Debit Card / Spendz Card
Tap on PIN Generation

Set Card PIN

Activate Ecomm Flag for online transactions:

Log in to the Kotak Mobile Banking App
Go to Service Request > Debit Card / Spendz Card
Tap on Card Controls
Select your Smart EMI Card at the top
Enable the ECOM / Online flag to start making online transactions on your card

How to view your virtual Smart EMI Card:

Log in to the Kotak Mobile Banking App
Go to Cards > Debit Card / Spendz Card
Tap on Debit Card Overview
Enter your MPIN to view your Smart EMI Card details

How to Shop with your Smart EMI Card:

Make sure you have set the card PIN and enabled the Ecomm Flag for your card.

Online Purchases:

Add the product to the cart (minimum amount of Rs 3,000)
Go to the EMI section on the checkout page
Select Kotak Bank Debit Card EMI
Enter your Smart EMI Card details
Choose the EMI tenure you prefer
Enter the OTP you receive on your registered mobile number and complete the transaction

(You can even add your Smart EMI Card directly in the Partner’s checkout page and choose the EMI plan.)

In-Store Purchases:

Please let the cashier at store know about your Kotak Smart EMI Card
The cashier will swipe your card and enter the amount
Choose the EMI tenure you prefer
Enter your card PIN to complete the transaction

How to check the available credit limit on your Smart EMI Card:

Send this SMS: DCEMI<space> <Last 4 digits of Card Number> to 5676788

Log in to your Kotak Mobile Banking App and tap on the Consumer Durable Loan icon in the Loans section on the Home screen

How to check your previous Consumer Durable Loans:

Log in to your Kotak Mobile Banking App
Tap on the Consumer Durable Loan icon in the Loans section on the Home screen
You will be able to see your available credit limit, previous loans and their status

Frequently Asked Questions

How do I apply for a new Smart EMI Scheme?

For this, you can visit the nearest store where Kotak Smart EMI has a tie up. Click here to find the store near you.

How do I change my EMI date?

Currently there is no option available to change the EMI due date. Payment due dates are as per the schedule shared in the loan sanction letter.

What is my EMI date?

Your next EMI is as per the schedule shared in your loan sanction letter.

How can I view my EMI status?

You can view your EMI status through Kotak Mahindra Bank’s Net-banking. Please follow these steps:

Enter your CRN number and create a new password.
Login to net-banking with your new password
Enter the dynamic access code (sent to your registered mobile number)
Check ‘overview status’.

Where can I view my loan documents?

The sanction letter is sent to your registered Email ID available with the bank (as mentioned by you in the application form).

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Shop Everything on EMI with Kotak Smart EMI Card