Kotak credit Cards

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!

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.

The Kotak League Card is a VISA Platinum card.

Yes, the Kotak League Platinum card is valid internationally.

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

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.

The interest applicable to you is 3.1% per month

A Mark up is charged to the tune of 3.5% 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.

If in a billing cycle your payment received till the payment due date is lesser than MAD it will attract a flat late payment charge of Rs 550 in the next billing cycle.

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 = (3.1%) * 12/365 = 0.1019%

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

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

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.

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.

Incase, you feel a need to speak to a Customer care executive immediately, you could call us on 1800 102 6022 (Toll Free)

On the platinum card the insurance cover is for Lost/stolen card fraudulent charges cover provided by Tata AIG General Insurance.

If your credit card is lost or stolen, Tata AIG will reimburse the unauthorized charges on your lost or stolen card, up to 12 hours prior to your first reporting the event to Kotak Credit Card Customer Care.

We recommend that you read the policy document for greater detail.

Insurance is only provided on the primary card and not the add-on/supplementary cards. Kotak Credit cards will not responsible for any disputes arising out of any claims. All claims will be directly handled by Tata AIG General Insurance Company Limited

Tata AIG will not pay for any expenses or loss for:

• Charges made on your lost or stolen credit card more than 12 hours prior to your first reporting the event to Kotak Credit Cards Customer Care.
• Charges made on your lost or stolen credit card after you first reported the event to Kotak Credit Cards Customer Care.
• Charges made on your credit card if your credit card has not been lost or stolen;
• Cash advances made with your lost or stolen credit card;
• Charges incurred by a resident of your household, or by a person entrusted with your credit card.
• For details do read the Policy wordings

The sum insured is Rs. 1, 00, 000/- for a year, with a single occurrence limit of Rs. 50,000/-.

You need to immediately call Kotak Credit Cards Customer Care & report the loss.

You need to call Tata AIG at 1800119966 or provide written intimation to make a claim and obtain the proper forms and instructions within 24 hours from discovering an unauthorized charge was made on your lost or stolen credit card.

Insurance is only provided on the primary card and not the add-on/supplementary cards. Kotak Credit cards will not responsible for any disputes arising out of any claims. All claims will be directly handled by Tata AIG General Insurance Company Limited>

On purchasing of rail tickets online the customer levied a 1.8% surcharge and a delivery charge of Rs 30. League Platinum Card card offers you a Railway Surcharge Waiver on this.

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

2.5% surcharge waiver is applicable at booking counters as well if you use your League Platinum Card card to buy the tickets.

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