Kotak Bank Credit Card Bill Payment Online Offline Mode

Kotak Bank Credit Card Bill Payment Online Offline Mode


Kotak Bank offers a range of credit cards with attractive benefits and features for its customers. With the convenience of credit card usage comes the responsibility of timely bill payments to avoid late fees and maintain a good credit score. Kotak Bank provides various payment methods, both online and offline, to ensure customers can easily settle their credit card bills.

Online Modes of Payment:

Kotak Net Banking: Kotak Bank account holders can conveniently pay their credit card bills through the bank’s net banking portal. Once logged in, they can navigate to the “Credit Card” section and select the “Bill Payment” option. Customers can then enter the amount to be paid and confirm the transaction using their net banking credentials.

Mobile Banking App: Kotak Bank’s mobile banking app offers a user-friendly interface that enables customers to pay their credit card bills on-the-go. By accessing the app, users can choose the “Credit Card Bill Payment” option, enter the bill amount, and complete the transaction securely.

NEFT/RTGS: For non-Kotak Bank account holders, NEFT (National Electronic Funds Transfer) or RTGS (Real-Time Gross Settlement) can be used to pay Kotak Bank credit card bills. Customers can add their Kotak Bank credit card as a beneficiary and initiate the payment from their bank’s online banking platform.

Payment through Debit Cards: Kotak Bank allows credit card bill payments using debit cards from any bank. Customers can visit the bank’s official website and select the “Debit Card Payment” option under credit card bill payment. They need to provide their credit card details and confirm the payment through their debit card’s authentication process.


Kotak Bank Credit Card Bill Payment Online Offline Mode

Kotak Bank Credit Card Bill Payment Online Offline Mode


Offline Modes of Payment:

Kotak Bank Branch: Customers can visit any Kotak Bank branch to make their credit card bill payment in person. They need to fill out the payment slip with their credit card details and submit it along with the cash or cheque for the bill amount.

Cheque or Demand Draft: For those who prefer traditional methods, Kotak Bank accepts credit card bill payments through cheques or demand drafts. Customers can draw a cheque or demand draft in favor of “Kotak Mahindra Bank Card A/C [Credit Card Number]” and drop it in any Kotak Bank branch’s drop box or mail it to the bank’s specified address.

Phone Banking: Customers can also use Kotak Bank’s phone banking service to make credit card bill payments. By calling the designated customer care number, they can follow the interactive voice response (IVR) instructions to complete the payment process.


Paying your Kotak Bank credit card bill on time is essential to maintain a good credit history and avoid unnecessary penalties. The bank offers a plethora of convenient payment options, both online and offline, catering to customers’ diverse preferences. Whether you choose to pay through net banking, mobile banking, NEFT/RTGS, or by visiting a branch in person, Kotak Bank ensures a seamless and hassle-free bill payment experience for its credit card users.


Most Frequently Asked Questions


Is it possible to use another bank’s credit card to pay my Kotak credit card bills?

No. The credit Card to Credit Card payment option is not available.

I paid the bill via Kotak Bill Desk, but it hasn’t been credited yet. What should I do next?

It may take up to 3-5 business days for a credit to be posted after payment through the bill desk. If the credit is not received within 5 business days, contact the bank where you made the payment. When calling customer service, make sure to have the payment authorization email handy.

Can I use NEFT to transfer money from my Kotak savings account?

Net banking allows you to pay your Kotak credit card bills directly, without the need to use NEFT payments.

How can I modify the auto-debit instructions?

Yes. To change or close the auto-debit, you can connect to your bank.