Kotak Mahindra Bank credit card helps you transact in a hassle-free way. Along with easy access to credit, you can apply for a loan, withdraw cash, enjoy a fuel surcharge waiver, and avail attractive Kotak credit card offers. Also, against every purchase, you get to earn Kotak credit card reward points which you can redeem against gift vouchers, cashback, etc.
However, do note that to avail of these benefits, it is critical that you clear your card dues on time. Luckily, to make the process convenient, the bank offers several methods of Kotak credit card bill payment both online as well as offline.
How to Make Your Kotak Mahindra Bank Credit Card Payment Online
Kotak Mahindra Bank credit card payment can be done online using any of the below-mentioned channels:
1) Kotak Credit Card Payment Online via Net Banking
Kotak Mahindra Bank credit card payment using the bank’s net banking portal can be done by following these steps:
Access the Kotak credit card login portal using your credentials.
On the home page, select the ‘Credit Card’ option.
Click on ‘Payments’.
Against the bill amount, click on ‘Make Payment’.
Enter the OTP sent to you on the registered mobile number and click on ‘Submit’.
You will get a notification once the payment is processed.
Kotak credit card payment can also be done from the net banking portal of any other bank. However, for this, you would need to register your Kotak credit card as a beneficiary first.
2) Kotak Credit Card Payment Online via WebPAY Billdesk
You can pay your Kotak Mahindra Bank credit card bill through WebPAY bill desk by following the steps mentioned below:
Go to the WebPAY bill desk page of Kotak Mahindra Bank.
Enter your Kotak Mahindra Bank credit card number, email ID, and contact number.
Fill in the amount you would like to pay: Minimum Amount Due for Credit Card or Total Amount Due.
From the drop-down, select the bank you wish to pay from.
Click on ‘WebPAY Now’.
(Video) Kotak Credit Card Bill Payment | How to Pay Kotak Credit Card Bill Online |Kotak credit card paymentOnce redirected, log in to your account.
Enter the OTP to confirm your Kotak credit card payment.
Once your Kotak credit card bill desk payment is processed, you will receive a confirmation message along with a Transaction Reference Number.
3) Kotak Credit Card Bill Payment through NEFT
To make payment through NEFT, you would need to register your Kotak credit card with the NEFT details. For this, log in to your net banking account (non-Kotak Bank), go to funds transfer, select NEFT, and click on add beneficiary. Enter the details in the format mentioned below:
Payee Name: Name as on the Kotak credit card
Location City: Mumbai
Destination Bank: Kotak Bank
Bank Address: Main Branch Mumbai
IFSC Code KKBK0000958
Payee Account Number: Enter your 16-digit Kotak Bank credit card number.
Once the payee has been added, the steps you would need to follow to do your Kotak Mahindra Bank CC payment via NEFT are mentioned below:
Log in to your net banking account (other than Kotak Bank).
Under the ‘Funds Transfer’ tab, click on ‘NEFT’.
Select your Kotak credit card from the beneficiary list and proceed to make the payment.
Enter the payment amount, select the account to pay from, enter remarks and validate with OTP.
Once your Kotak credit card IMPS payment is processed, you will receive a confirmation message as ‘Payment Successful’.
4) Kotak Credit Card Payment via IMPS
For Kotak credit card payment through IMPS, you would need to first register your card as a payee. For this, you would need to log in to your net banking account (non-Kotak Bank), go to funds transfer, select IMPS, and click on add beneficiary. Enter the details in the format mentioned below:
Payee Name- Name mentioned on the Kotak credit card
Location City- Mumbai
Destination Bank- Kotak Bank
Bank Address- Main Branch Mumbai
IFSC Code- KKBK0000958
Payee Account Number: Enter your 16-digit Kotak Bank credit card number.
Once the payee has been added, the steps you would need to follow to do your Kotak Mahindra Bank CC payment via IMPS are mentioned below:
Log in to your net banking account (other than Kotak Bank).
Under the ‘Funds Transfer’ tab, click on ‘IMPS’.
Select your Kotak credit card from the beneficiary list and proceed to make payment.
Enter the payment amount, select the account to pay from, enter remarks and validate with OTP.
Once your Kotak credit card IMPS payment is processed, you will receive a confirmation message as ‘Payment Successful’.
5) Kotak Credit Card Bill Payment Online via Auto Debit
You can pay your Kotak credit card bill online using the bank’s auto-debit facility. However, first, you have to download the Auto Debit Authorization Form from the bank’s website. Once you have filled and signed the form, you would need to submit it to your nearest Kotak Mahindra Bank branch or send it to the address mentioned below:
Manager : Customer Correspondence Centre
Kotak Mahindra Bank
Attn: Customer Correspondence Unit - Credit Cards
Neptune Element, 3rd Floor, Road No. 22, Wagle Estate,
Thane (W), Maharashtra 400 604
Once the form has been accepted, you would not need to pay your bills manually. Depending on whether you have chosen to pay the Minimum Amount Due (MAD) or Total Amount Due (TAD), the amount will automatically get deducted from your account when the monthly credit card statement is generated.
6) Kotak Credit Card Bill Payment via Kotak Mobile Banking App
Here is how you can pay your Kotak credit card bill online using the bank’s mobile banking app:
Download the Kotak Mahindra mobile banking app from Google Play Store or App Store.
Sign up and log in with your credentials.
On the home page, click on ‘Credit Card’.
Against your Kotak credit card, click on ‘CC Payments’.
Enter the amount to pay, select the account, validate with OTP and complete the transaction.
Once your Kotak credit card payment is processed, you will receive a confirmation message as ‘Payment Successful’.
7) Kotak Credit Card Payment Online through Debit Card
Kotak credit card payment can also be done by using your Visa debit card. Here is what you need to do:
Log in to your bank’s net banking portal using your credentials.
Register your Kotak credit card for Visa card payment.
Once registered, you can simply use your Visa debit card to pay your monthly credit card bill. Kotak Mahindra Bank will send you a notification when the debit card payment comes through.
8) Kotak Credit Card Payment through RTGS using IFSC Code
If your Kotak credit card bill exceeds ₹2 Lakhs, you can pay it online via the RTGS or Real-Time Gross Settlement mode. You should have the credit card listed as a beneficiary in the savings/current account you want to use to complete the payment.
To do so, you can log into your net banking account, and go to the ‘Add Beneficiary’ option under the RTGS Fund Transfers section. Next, fill in the required details like:
Payee Name - Name mentioned on the Kotak credit card
Location City - Mumbai
(Video) Kotak zero balance account opening online - kotak 811 credit card apply 2022 | Full Guide in HindiDestination Bank - Kotak Bank
Bank Address - Main Branch Mumbai
IFSC Code - KKBK0000958
Payee Account Number: Your 16-digit Kotak Bank credit card number
Post the 24-hour verification window, you can start making payments to this active beneficiary. You can simply follow these steps to complete the payment:
Log into your net banking account using your credentials.
Go to the ‘Funds Transfer’ section and click on RTGS.
Select your Kotak Mahindra credit card from the list of beneficiaries and proceed to make the payment.
Enter the amount and confirm the payment.
How to Make Kotak Mahindra Bank Credit Card Bill Payment Offline
To make your Kotak credit card payment offline, you can avail any of the methods mentioned below:
1) Kotak Mahindra Bank Credit Card Bill Payment via Cash
To pay your Kotak Mahindra Bank credit card bill using cash, you would have to visit your nearest bank branch. You would then need to fill up the cash payment form and deposit the amount against your credit card account. Do note that cash payments attract a charge of ₹100 + service charge, over the actual sum. To locate your nearest bank branch, you can either call on 99710 56767, or type ‘K Branch’ followed by space and the six-digit PIN code of your location, and send the SMS to 567 6788.
2) Kotak Credit Card Payment by Cheque
You can pay your Kotak Bank credit card bill using a cheque too. For this, you would need to draw the cheque in the name of ‘Kotak Mahindra Bank Card A/C’ followed by your credit card’s 16-digit number. Do mention your name and mobile number on the back of the cheque. Once filled, you can drop it in a cheque drop box located in a Kotak Mahindra Bank branch or ATM. To find the nearest dropbox, you can type ‘K DROPBOX’ followed by space and the 6-digit PIN code of your location and send the SMS to 567 6788.
3) Kotak Credit Card Bill Payment via Phone Banking
To avail this facility, call the Kotak Mahindra Bank credit card customer care on 1860 266 2666, and select the ‘Banking’ option. When an executive gets in touch with you, place a request for the transfer of the credit card bill amount from your Kotak Bank savings/current account to your Kotak Bank credit card account. Do note that you would need to call from your registered mobile number.
Processing Time for the Various Kotak Mahindra Bank Credit Card Payment Methods
Once you make your Kotak credit card bill payment, the funds may not be immediately processed. This is because every payment method has its set transfer settlement window. While some are instant, others can take up to 5 working days. Depending on the Kotak Mahindra bill payment method you pick, the processing time for the payment will vary.
To make timely payments and ensure no missed payment penalties, you can refer to the payment processing time guide below.
Fund Transfer Method | Time Taken to Process |
Mobile Banking | Instantly |
IMPS | Instantly |
Kotak Mobile Banking App | Instantly |
Net Banking | 24 hours |
Phone Banking | Within 24 hours |
Cash Payment at the Branch Counter | Within 24 hours |
Cheque Payment | Kotak Bank cheque - 1 working day Non-Kotak cheque - up to 5 working days |
NEFT | 30 minutes to 3 days |
VISA | 3 working days |
Bill Desk | 3 working days (except weekends) |
WebPAY | 3 working days (except weekends) |
RTGS | Up to 3 days |
Visa Payment | 3 working days |
Auto Debit | Amount is debited four days before the due date and gets credited within 24 hours |
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FAQs
How do I pay my credit card bill with a credit card? ›
Can I use a credit card to pay another credit card? No, you cannot use a credit card to pay other credit card bills. However, credit cards often have options like cash advance or balance transfer that give you access to "cash" funds.
Can we pay Kotak credit card bill? ›Pay Credit Card Bills Anytime, Anywhere with Kotak Bank.
Can credit card bills be paid online? ›Online payments
If your credit card issuer offers mobile banking, you can also make payments through your credit card app. Online payments are easy to make and even easier if you sign up for autopayments, which is why they've become so popular.
- Login to the New MobileBanking App. ...
- Enter Customer ID/Password details or Login via Quick Access Pin.
- Go to Pay Section >> Cards.
- Choose your registered card.
- Select "Pay" option.
- Select the type of amount (Minimum/Total/Other)
- Click confirm to complete payment.
With the snowball method, you pay off the card with the smallest balance first. Once you've repaid the balance in full, you take the money you were paying for that debt and use it to help pay down the next smallest balance.
How do I pay another credit card bill? ›Set up the credit card company as a payee with your bank.
If you use online banking to pay your bills, you can pay the credit card bill through your online account or mobile app. Simply add the name of the credit card company as a payee and include the account number of the person whose bill you want to pay.
- Download an App which supports fund transfer via UPI.
- Provide a mobile number to register.
- Enter the required details like Kotak credit card IFSC code, Bank name, etc.
- Set UPI ID and PIN.
If your credit card issuer is a bank with a physical office, you can walk in to the nearest branch and make your credit card payment by depositing cash. Simply walk in to the respective bank branch, fill-in the deposit slip with your credit card details and the bill amount and submit it at the counter.
What is the time limit for Kotak credit card payment? ›In respect of the Kotak Best Price Cards you are required to pay the entire amount by issuing a cheque for each of the purchases made by using your Kotak Best Price Card dated not later than 14/28 days from the transaction date or by giving auto debit instructions to debit the payment from your Kotak Bank account every ...
What is the best time to pay credit card bill? ›The best time to pay your credit card bill is before it's late. You can avoid late payment fees when you make at least your minimum payment by the due date. And if you can pay your full balance before the due date, you can avoid accruing interest charges.
What is the easiest way to pay bills online? ›
It's usually a simple process that you can complete through your online banking account or mobile banking app. Typically, you sign into your account, select the bill pay page and follow the steps as prompted. For each bill, you'll likely need to enter some of the merchant or service provider's information.
Can we pay credit card bill with debit card online? ›Yes, you can pay the credit bill online via a debit card.
What is the smartest way to pay your credit card? ›The best way to pay your credit card bill is by paying the statement balance on your credit bill by the due date each month. Doing so will allow you to avoid incurring any interest or fees. In case you weren't aware, you do not automatically pay interest simply by having a credit card.
How to pay off a $5,000 credit card fast? ›- How to tell if you have too much credit card debt.
- Cut back on spending.
- Pay off the highest-interest cards first.
- Use a balance transfer card.
- Take out a credit card consolidation loan.
- Pay on time each month.
- Pay in full each month.
- Pay your balances down as soon as possible.
- Use automatic bill pay to stay up to date.
- Change your due date to match your pay schedule.
- Track your spending.
- Use a credit calculator to plan ahead.
Paying off one credit balance using another card isn't generally possible. Banks don't allow you to pay your credit card balance directly using another credit card. Typically payments via check, electronic bank transfer or money order are the only acceptable methods of payment.
What is the best way to pay credit card bill twice a month? ›The 15/3 credit card payment rule is a strategy that involves making two payments each month to your credit card company. You make one payment 15 days before your statement is due and another payment three days before the due date.
Can I pay my credit card with another account? ›But while you can't pay one credit card with another directly, there are two credit-card-related methods you can use: balance transfers and cash advances. Before you make any decisions, it's important to know the pros and cons of each option.
What is the IFSC code for Kotak credit card payment? ›| Bank: | KOTAK MAHINDRA BANK |
|---|---|
| IFSC: | KKBK000CCRD |
| MICR Code: | NA |
| Branch Code: | 00CCRD (Last Six Characters of IFSC Code) |
| Branch: | Kotak Credit Card Branch |
- Open Google Pay .
- To select the bank with which your credit card is associated, select Regular payments. Credit card bill.
- Enter the first 12 digits of your credit card number.
- Verify your card number.
- To complete the payment, enter the amount you want to pay and your UPI pin.
Can I pay Kotak credit card bill through Google pay? ›
Google Pay
Click on 'Credit Card Bill Payment'. Tap on 'Kotak Credit Card'. Enter your 'Kotak Bank Credit Card Number' to link your account. Make your credit card bill payment through Google Pay.
If you pay your credit card bill a single day after the due date, you could be charged a late fee in the range of $25 to $35, which will be reflected on your next billing statement. If you continue to miss the due date, you can incur additional late fees. Your interest rates may rise.
What will be the credit limit of Kotak credit card? ›The maximum loan amount you can get is Rs. 5 lakh with attractive interest rates. You can also choose tenures from 6 months to 48 months. The amount will be instantly transferred to your Kotak account or any other savings account.
What happens if you pay your credit card bill after one day? ›You will have to pay a late fee if you pay your bill after the due date. The late fee would be charged by the bank in your next credit card bill. In a recent move, the Reserve Bank of India (RBI) has directed banks to charge late fee only if the payment has been due for more than three days after the due date.
Can you transfer money from a credit card to another credit card? ›A balance transfer lets you move a balance from an existing credit or store card to another card with a different provider. With all of your borrowing in one place, your balances could be easier to manage. Plus, you could receive an introductory or promotional interest rate for a set period of time.
Can you pay Capital One credit card with another credit card? ›First, you should know that at Capital One, you can't directly pay your credit card with another credit card. That means when you go to make a credit card payment on your Capital One account, you won't be able to enter another credit card number to complete the payment.
Can I use my credit card to pay my bills? ›Yes, a majority of cable, phone, and internet providers will accept a credit card as payment. Setting up your bills for monthly autopay using your credit card to avoid any late fees.
Can I transfer credit card balance to another card? ›A credit card balance transfer allows you to take a high-interest credit card balance (or even multiple balances) and transfer it to a new credit card with a lower interest rate. Some balance transfer cards offer a 0% intro APR for balance transfers for a limited amount of time.