Now that you have net banking access for your Kotak Mahindra Credit Card, all you need to know is what all you can do using the account. Primarily, you will get access to your credit card account information including
- Available credit limit
- Total outstanding due as on date
- Total amount due as on last statement
- Last payment details
- Due date and
- Remaining outstanding
In addition, you can directly pay your bill using your internet banking account by using the ‘Pay Now’ button available on the ‘Account Summary’ page or the ‘Make Payment’ option available in the left side menu.
Kotak Mahindra Internet banking also allows to raise certain service requests available on your credit card. A list of available services is provided below.
- Kotak ‘Convert to EMI’ service: The ‘Convert to EMI’ service will allow you to convert your credit card purchases into equated monthly instalments (EMIs). Eligible purchases above Rs.3,000 can be converted into EMIs that can be paid back in the tenures 3, 6, 9, 12, 24, 36, and 48. To avail the facility follow the below steps.
Login to net banking account > click on Credit Card > Transaction to EMI
- Kotak ‘Online Balance Transfer’ facility: Transfer your other bank credit card balances to Kotak Credit Card using the ‘Online Balance Transfer’ feature. Transfers can be made to Kotak Mahindra Credit Cards that are more than 6 months old with a minimum amount of Rs.2,500 and maximum 75% of the credit limit. To avail the feature
Login to net banking account > click on Credit Card > Balance Transfer
- Register for credit card e-statement: If you want to receive your monthly credit card statements as e-mail instead of receiving it through post, you can register for the service using your net banking account
Login to net banking account > click on Credit Card > Service Request > Register for e-Statement
- Apply for Add-on credit card: If your credit card is eligible for add-on card, which is a supplementary card issued to the family member of the primary cardholder, you can apply for the same using your net banking account. To apply
Login to net banking account > click on Credit Card > Add-on Card > Fill the details > click on ‘Go’ > Review the details and confirm
- Apply for ‘Personal Loan on Credit Card’: The bank offers Loan on Credit Card facility to selected customers who can avail a personal loan up to Rs.5 lakh. You can apply for the personal loan using your internet banking account by following the below instructions.
Login to net banking account > click on Credit Card > Loan on Credit Card
These are a few services that can be availed using Kotak Mahindra net banking facility for your credit card.