Kotak Credit Card Application Status (2023)

How to Check Kotak Credit Card Status

If you’ve applied for a Kotak Mahindra Bank credit card recently but haven’t received it as of yet, you can quickly check the status of your application. Carrying out a Kotak credit card application status check can help you ascertain whether your credit card application has been approved or rejected.

Fortunately, there are multiple online and offline ways to check your Kotak credit card status. For instance, you can choose to check its status through the bank’s own website using your application number, by using the chatbot Keya, or by calling the bank’s customer care helpline number. Continue reading to get to know more about the different methods that you can use to check your Kotak Mahindra Bank credit card status.

Checking Kotak credit card application status Online

Kotak allows you to track your credit card application online through any of the below mentioned channels. You will receive an acknowledgement receipt after submitting your Kotak Mahindra Bank credit card application form. The receipt would state your application number and the form number. You would need these details handy to track your Kotak credit card application.

1) Kotak Credit Card Application Status Check through bank website

  • Visit the official Kotak Mahindra Bank website and click on the ‘Kotak Credit Card Application Track’ option. The Kotak credit card status tracking page will open.

Kotak Credit Card Application Status (1)

  • Select ‘Credit Card’ from the drop-down.

Kotak Credit Card Application Status (2)

  • Enter your application number or form number and click on ‘Submit’ to check your Kotak Mahindra credit card status.

Kotak Credit Card Application Status (3)

2) Kotak Bank Credit Card Status Check via Keya

Kotak lets you track your credit card via its in-house chatbot Keya. The bot is available on the bank’s official website.

  • You would need to keep your application details handy to initiate the request.

  • Make sure that you phrase your question appropriately so that the bot can process the information. For example, “Want to track my Kotak credit card status".

3) Kotak Credit Card Status Check Online via Email

If you have applied for a Kotak credit card, you can track the application status by email too. Here are the steps:

(Video) How to Check Kotak Mahindra Bank Credit Card Application Status Online | Kotak Bank Credit Card

  • Visit the official Kotak Mahindra Bank website.

  • Scroll down and click on the ‘Click here’ option under ‘Write to Us’

  • Select the ‘Send an email’ option.

  • From the list provided, click on ‘Kotak Credit Card’.

  • Under ‘Delivery of card’, select ‘What is the status of my credit card application?’.

  • Click on ‘No, need more help’ and select ‘Email Us’ to open the email form.

  • Fill the form with the detail requested and click on ‘Submit’.

How To Track Kotak Credit Card Application Status Offline

If you do not have access to the online Kotak Bank credit card track status facility, you can always opt for tracking the card offline. There are two ways of doing so:

1) Kotak CC Status Check via Phone

  • You can call Kotak Mahindra Bank credit card customer care on 1860 266 2666 and express your desire to track your credit card application for Kotak.

  • The bank also has a dedicated number for Kotak 811 customers. So, if you have applied for a Kotak 811 credit card, you can call on 1860 266 0811 to reach the credit card customer care.

2) Kotak Mahindra Bank Credit Card status check through branch

  • Kotak Bank also lets you track credit card application status by visiting the bank branch.

  • However, do note that you would need to provide your credit card application number and ID when requesting for your Kotak Mahindra credit card status.

Different Kotak Credit Card Application Status

When you check your Kotak credit card application status, the page will display one of the below-mentioned statuses:

Kotak Credit Card Status

Meaning of Status

No Records Found

In case the Kotak Mahindra credit card status check reveals the ‘No Records Found’ status, it means that the application/form number entered is incorrect. Recheck the details and enter the correct application/form number.

In Progress

This credit card application status implies that Kotak Mahindra Bank is still reviewing your application form.


If your Kotak credit card tracking status reads as ‘Approved’, it implies that the bank has accepted your request for a new credit card and the same will be shipped out to you soon.


This Kotak credit card application status means that your credit card has been dispatched to your address. You can expect to receive a message with the specifics of your shipment along with the expected delivery date.

On Hold

If the Kotak CC application status says ‘On-Hold’, it means that the bank requires additional details. In such a case, the bank will reach out to you via call and/or message.


If the bank does not consider you eligible for a credit card, your Kotak Mahindra Bank credit card status will read as ‘Rejected’. In such a case, you can contact credit card customer care for additional details.

(Video) Kotak bank credit card application status check ..031||

Check Kotak Mahindra Bank Credit Card Status Tracking Using Date of Birth

Once you have applied for the Kotak credit card, the process to track the Kotak credit card status is easy and swift. You can track your Kotak credit card application status even by entering your date of birth. Here are the steps that you need to follow to know your Kotak credit card status:

  • Visit the official Kotak website at kotak.com

  • Under the “Services Request” tab, click on “Track Application Status”

  • You will be asked to “Select a Product”. Select “Credit Card”

  • You will be asked to “Select Identifier”. Select “Mobile Number and DOB”

  • Click Submit

  • Your Kotak credit card status will appear.

Additionally, you can track your Kotak credit card status with the help of your date of birth by downloading the Kotak mobile app on your smartphone.

Check Kotak Mahindra Bank Credit Card Status Through Airway Bill Number

When your Kotak credit card status is denoted as dispatched, you will get the dispatch details before your credit card is couriered to your address. The dispatch details are shared with you via an SMS and includes the airway bill number and name of the courier company.

With the help of the airway bill number you can track the Kotak credit card status regarding its delivery to your address. The airway bill number is sent to you so you can track the shipment of your credit card and it has nothing to do with the Kotak credit card application status.

The credit card should reach your address within seven working days from the date of approval or the date on which its replacement request was placed. You can track your credit card by visiting the courier company’s website and use the airway bill number to know the location of your Kotak credit card.

Ways to Improve Chances of Kotak Mahindra Bank Credit Card Approval

If you want to improve your chances of getting approved for a Kotak Mahindra Bank credit card in the first go, you must ensure a few things:

  • Your application must fulfil the Kotak Mahindra Bank credit card eligibility criteria for the respective card you wish to apply for.

  • You must submit the necessary documents that have been requested along with your Kotak Bank credit card application.

  • As credit score or CIBIL score is vital for judging your credibility to get approved for a credit card, try to maintain a high score of 750 or above.

  • Routinely check your credit score and ensure it is maintained and that you can try to improve it consistently by making timely payments, clearing past dues, etc.

    (Video) How to Track Credit Card Application Status Kotak Mahindra Bank | Application Status Credit Card

  • Ensure you have a decent credit history as this can also increase your chances of Kotak Bank credit card approval.

DISCLAIMER:The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

FAQs about Kotak credit card status

  • ✔️How can I check my Kotak credit card status?

    You can check your Kotak credit card status online or offline. The online methods include- tracking credit card application via bank website, through chatbot Keya, or by writing an email to the bank. On the other hand, credit card offline tracking for Kotak can be done through the phone or by visiting the nearest bank branch.

  • ✔️How long does it take to get a Kotak credit card approved?

    It takes a minimum of 21 working days (not including weekends) from the date of receiving the application, for the bank to either approve or reject a Kotak credit card application. If the application is approved, it will take a minimum of 15 working days (from the date of approval) for the new credit card to reach you.

  • (Video) Track your Kotak credit card application status online

    ✔️What to remember when applying for a Kotak Bank Credit Card after rejection?

    Every card applicant must remember to wait at least 3- 6 months before reapplying for Kotak bank credit card post rejection. Additionally, keep a routine tab of your credit score and take efforts to improve it during the waiting period before reapplying, to improve your chances.

  • ✔️My Kotak Mahindra credit card status shows up as rejected. What could be the reason?

    There could be multiple reasons why your Kotak Mahindra Bank credit card application may have gotten rejected. For instance, the rejection might have been due to an error or discrepancy while filling the credit card application form.

    Non-submission of all the supporting documents necessary to process the credit card application could be another reason for rejection. Also, your application might have been rejected if you’ve failed to fulfil the eligibility criteria required to apply for the credit card.

    If you’re unsure of the reason for rejection of your credit card application, the ideal course of action would be to contact the bank’s customer care helpline. The customer care executive may be able to give you more information on the reason for rejection.

    Once you get to know the rejection reason, you can then work on rectifying it and applying for the credit card once again.

  • ✔️Can I apply for a different credit card while my Kotak credit card application is still being processed?

    No. If the other credit card is also from Kotak Mahindra Bank, you may not be allowed to apply for it while a Kotak credit card application is being processed. In this case, it is ideal to wait till your application is either approved or rejected by the bank before proceeding to apply for a different card.

    However, if the other credit card is from a different bank, you can very well apply for it while a Kotak credit card application is being processed.

  • ✔️How can I check my Kotak credit card dispatch status?

    You can quickly check your Kotak Bank credit card status by making use of the Kotak Credit Card Application Track option on the bank’s website. Alternatively, you can also use the bank’s AI-powered chatbot Keya to get to know the dispatch status.

    On the other hand, if you’re looking for offline modes of tracking the status of your Kotak credit card, you can call the bank’s customer care helpline number or visit the nearest Kotak Mahindra Bank branch.

  • (Video) Kotak Mahindra Bank credit card debit card status kaise check Karen kare

    ✔️I lost my Application Reference Number. Can I still check my Kotak credit card status?

    Yes. You don’t need the Application Reference Number to track your Kotak credit card application status. You can also use a combination of your mobile number and date of birth to track the status.


What is the meaning of application status approved in Kotak credit card? ›

Your application is approved once you find 'approved' as your application status. However, you may have to wait a little more to get your card. Once the processing is done and the approval is in place, the bank will make your card ready and will dispatch it to your correspondence address.

How long does credit card approval take Kotak Mahindra Bank? ›

If you do not have any of these details mentioned above, request you to call our 24x7 helpline number 18602662666 (Local Call Charges Applicable). Please note : It takes minimum 15 working days for processing the credit card application from the date of receipt of complete application in all respect.

Why my Kotak credit card is not approved? ›

If your credit score is too low, then your credit card will be rejected. It is best to check your credit score before you apply for a credit card and create your credit profile and know where you stand with respect to credit. This way if your score is low you can improve your score before applying.

What does it mean that your credit card application has been processed? ›

If your application status says 'In process', the bank is still reviewing your application and it will take a few more days to dispatch your credit card. If it says 'Dispatched', you would have ideally received an SMS by then with the Airmail number of the booked shipment carrying your credit card.

What does application status approved mean? ›

It means they accepted your application.

How do I know if my credit card application is rejected? ›

Read Your Adverse Action Letter

The credit card company has up to 30 days to respond to your application, but you'll usually hear from them within a few weeks. 2 You'll receive a letter from the credit card issuer stating the specific reason or reasons your credit card application was denied.

How many days is the processing of credit card approval? ›

The exact timeline for getting approved for a credit card can vary. But issuers must tell you their decision within 30 days. Once it's approved, many credit card issuers, including Capital One, say you can expect to receive your new card in the mail within 7 to 10 days.

Why does credit card take so long to approve? ›

Although most credit card decisions take a matter of seconds, sometimes the issuer needs more time to process your application. Your credit card application could be pending for a number of reasons, but the most common reason is that the card issuer is verifying your income.

How long does it take to know if a credit card application is approved? ›

Per federal guidelines, credit issuers are required to send you a notice of your approval or denial within 30 days at the absolute latest. Speedy credit approvals usually take place when your credit application is completely filled out, and your credit score and income are sufficient to qualify without any question.

How will I know if I get approved for a credit card? ›

The easiest way to see if you're pre-approved for a credit card is to check a credit card company's website. Most major issuers let you see which of their cards you're pre-approved for by simply entering your name, address and the last four digits of your Social Security number into an online form.

What does it mean when your credit application is under review? ›

“Application pending” or “under further review” simply means the card issuer hasn't approved or denied your application yet, and more time is needed to evaluate your application.

Why would credit card application be rejected? ›

All in all, there are many reasons why your credit card application might be denied. In this article we discussed the five most common reasons: reaching your credit limit, having low incomes, having high unpaid loans, having bad credit, or simply applying for too many credit cards.

Does 7 10 days mean denial? ›

7-10 Days Status Message

A 7-10 day message typically means that your application has been denied.

What does application not yet processed mean? ›

This means that your application has been recorded on the system, but has not yet been processed.

Can I check my application status whether it is rejected or accepted? ›

In general, though, you can track your application status on the bank's website using your application number or with your mobile number. Some banks even provide you with the option of calling their customer service centre to help you track the status of your application.

Does pending approval mean approved? ›

Pending approval usually means that a decision about your paper has been made and this decision is pending approval from the Editor in Chief, who usually has the final say.

Should I check on application status? ›

If you haven't heard back about your job application after two weeks, it's perfectly acceptable to call the hiring manager—unless the listing states otherwise. You'll need a different strategy if someone picks up the phone or if you have to leave a voicemail.

Can I call if I get denied for a credit card? ›

If you are denied credit, you can take a few steps, including: Improving your credit and reapplying. Calling the card issuer's reconsideration line.

Does it look bad to get denied a credit card? ›

Being denied for a credit card doesn't hurt your credit score. But the hard inquiry from submitting an application can cause your score to decrease. Submitting a credit card application and receiving notice that you're denied is a disappointment, especially if your credit score drops after applying.

What is the rejection rate for credit cards? ›

Overall, the average 2022 application rate of 44.8% was slightly below its 2021 level of 45.6% and below its pre-pandemic 2019 level of 45.8%. Reported rejection rates among applicants increased by 0.5 percentage points to 18.0% in 2022 from 17.5% in 2021, just above the 2019 rejection rate of 17.6%.

Who approves credit card applications? ›

When you apply, you'll be asked similar questions no matter which company is issuing the card. It helps the issuer to decide whether to approve you for the card. In most cases, you'll have to provide your Social Security number, for example. And because credit scores don't reflect your income, they'll ask about that.

What happens after credit card application is approved? ›

And if your application has been accepted, you're often able to make online purchases with your new credit card number right away. (It'll still usually take seven to 10 days for the physical credit card to arrive in the mail.)

Who looks at credit before approving you? ›

Current or potential creditors — like credit card issuers, auto lenders and mortgage lenders — can pull your credit score and report to determine creditworthiness as well. Credit history is a major factor in determining (a) whether to give you a loan or credit card, and (b) the terms of that loan or credit card.

Why won't a credit card approve me? ›

Common reasons include a high debt-to-income ratio, a low credit score, insufficient monthly income, a limited credit history or delinquencies. Once you know why your application was denied, you'll know what to work on.

Why is it so hard to get approved for a credit card? ›

If you don't have a substantial source of income — or none at all — you may struggle to be approved for a credit card. Having poor payment history is an indicator that you may not be able to repay the credit lenders extend. Lenders may not look favorably upon applicants who are carrying debt.

Will I get an email if my credit card is approved? ›

Credit card issuers often send out emails or letters to prospective customers labelled as pre-approved applications. Before sending out such emails, the issuer will first do a basic screening process to see if you have a fair credit score. If you meet the criteria, your name will be on their mailing list.

Is it good if my application is under review? ›

Application under review means you submitted a job application for work. The business is looking over it to determine if you get the job. They're telling you that they are considering you for a position at their firm or corporation. It's a good thing they are informing you of this potential opportunity.

Can an application under review mean rejected? ›

“Under review” does not mean either accepted or denied. It means the person who could make the decision has not decided.

When must applicants rejected for credit be notified? ›

Once a creditor has obtained all the information it normally considers in making a credit decision, the application is complete and the creditor has 30 days in which to notify the applicant of the credit decision. (See also comment 2(f)-6.)

What are four common reasons for credit card denials? ›

Here are some of the most common reasons why your credit card application has been declined.
  • Your outstanding credit balance is too high. ...
  • Unstable work history or your work income is too low. ...
  • You have a limited credit history. ...
  • You've made late payments. ...
  • You've made too many applications for credit.
Apr 12, 2022

Can I apply for the same credit card twice? ›

If you've ever canceled a credit card and then later decided that you wanted the card after all, take heart: You can apply for the same card again. If you used the card responsibly in the past — you didn't miss payments, for example, or repeatedly max out the card — the issuer will be more likely to welcome you back.

What is the 5 24 rule? ›

The Chase 5/24 rule is an unofficial policy that applies to Chase credit card applications. Simply put, if you've opened five or more new credit card accounts with any bank in the past 24 months, you will not likely be approved for a new Chase card.

How long do you have to wait after being denied? ›

1. Wait to reapply. How long you should wait to reapply for a credit card after an application is denied varies with each person's situation, so there's no hard-and-fast timeline to follow. The typical recommendation is that you should wait six months between credit card applications.

How many credit cards should you have? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

Why does my application status say pending? ›

Pending: This application has been submitted and is still pending review from the employer. Reviewed: The applicant's documents have been reviewed by the employer .

What does processing status mean? ›

Related Definitions

Processed Status means that an Order has been submitted to the Website and payment has been received.

Is processing the same as pending? ›

Processing means the transaction instructions have been submitted to the ACH network to debit the funds from the borrower. Pending means the payment is scheduled but instructions to debit the borrower haven't been submitted to the ACH network yet.

What happens when credit card is approved? ›

If approved, you receive a credit card in the mail.

If you've been approved for a new credit card, the bank or lender might issue you a virtual credit card number right away.

How long after my application is approved can I expect to receive my card? ›

After you're approved, receiving the card in the mail can take from seven to 10 business days, depending on the issuer. Some credit card companies offer expedited delivery, either free or for a fee. Getting a lost or stolen card replaced can take up to seven business days, depending on the issuer.

How do you know when you've been approved for a credit card? ›

Whether or not you're approved instantly, you'll receive notice of the issuer's decision via email. This could take up to 14 business days, but applications are generally processed after that. Finally, if you're approved for a credit card, you will receive the card in the mail within 7-10 business days of approval.

How do I make sure my credit card application is approved? ›

5 Things You Need to Get Your Credit Card Application Approved
  1. Check Your Qualifications. ...
  2. Research Available Cards. ...
  3. Secure a Stable Source of Income. ...
  4. Build Your Credit Record with a Savings Account. ...
  5. Provide Complete and Accurate Documents.

Can you be denied a pre-approved credit card? ›

It's important to understand that preapproved credit card offers do not guarantee approval. You still have to apply for the credit card you've been preapproved for, and there are numerous reasons you could be denied. For example, it's possible you met a minimum credit score requirement but your income is insufficient.

What does it mean to be approved for credit? ›

A with approved credit statement, or WAC statement for short, is a qualifier used in advertisements. It is intended to clarify that the offer being promoted is conditional on the buyer having an adequate credit rating.

What does it mean when a credit card doesn t approve you right away? ›

A bank or lender will take a quick look at your credit score and credit history before deciding whether to issue you an instant approval credit card. Some instant approval credit cards are conditional, in the sense that a lender may revoke the approval decision after conducting a more thorough review of your credit.


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