Apply Kotak Mahindra Aqua Gold Credit Card – Benefits, Eligibility, Cashbacks, Rewards

Do you want to apply for Kotak Mahindra Aqua Gold Credit Card?. Then you are on the right page. In the previous article, we have given complete details about Kotak Mahindra NRI Royale Signature Credit Card. In this article, we have given you all the information for the Kotak Mahindra Aqua Gold Credit Card details like its benefits, eligibility, annual fee & joining fee, etc., People who are interested to apply for the Aqua Gold Credit Card has to check the offers like welcome gifts, reward points, cashback offers, movie offers and shopping offers given by this card. Also, know how to apply for the Kotak Mahindra Aqua Gold Credit Card.

About Kotak Mahindra Aqua Gold Credit Card

Kotak Mahindra Aqua Gold Credit Card is one of the cards with many benefits and suitable for all your financial needs and luxuries and also maximizes your saving transactions. By using this Kotak Mahindra Aqua Credit Card you can enjoy the benefits of interest-free cash withdrawals, credit limits up to 80% of your term deposit amount, fuel surcharge waiver and a free Credit Card for life.

Card NameKotak Mahindra Aqua Gold Credit Card
BankKotak Mahindra
Card TypeCredit Card
Credit Usage Limitup to 2 lakhs
Cash Usage Limit10,000 daily
Annual ChargesNil
Reward PointsEarn edge rewards on every transaction.
International UsageYes
Official WebsiteClick here

Features and Benefits of Kotak Mahindra Aqua Gold Credit Card

  • Get Reward points on retail spends and other spends.
  • Secure Balance Transfer with Kotak Aqua Gold Credit Card.
  • Milestone benefits – spend 1,50,000/- per year and get 4 free PVR movie tickets or cashback of 750/-
  • Aqua Shield – If your Credit Card is stolen by somebody, you get a cover of 50,000/- Rs against fraudulent usage up to seven days Pre-reporting.
  • Add-on card benefits set the spending limit according to your interest.

Fee & Charges

Kotak Mahindra Aqua Gold Credit Card Charges and Fees as follows.

Fee & other ParametersAqua
Joining FeesNA
Annual FeesNil
Addon Card FeesNil
Waiver of Annual Fees for First YearNA
Waiver of Annual Fees for Second YearNA
Interest Charges on outstanding Balances2.99% (Annualized 35.88%)
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereofRs. 300
Minimum Amount Due (MAD) (It will reflect in a statement in a column of the minimum amount due)MAD can be 5% or 10% of TAD as decided by the Bank
Over Limit ChargeRs. 500
Cheque Bounce ChargesRs. 500
Fee for Cash payment at BankRs. 100
Foreign Currency Mark Up3.5%
Fuel Surcharge (1% on the transaction)Waived
Railway Booking Surcharge (1.8%/2.5% on transaction amount)Waived
Charge Slip RequestWaived
Machine Surcharge at ATMsWaived
Balance Enquiry Charges at Non-Parent Bank ATMWaived
Outstation Cheque Processing FeeWaived
Reissue/ Replacement Card (per issuance)100.0
Duplicate Statement RequestWaived
Web Pay Service FeeWaived (effective 10th JAN,2014)
Furnishing a copy of Credit Information Report (CIBIL)Rs. 50

Kotak Mahindra Aqua Gold Credit Card Eligibility

  • For Kotak Mahindra Aqua Gold Credit Card you must be a primary cardholder and should be at the age of 21 – 65 years.
  • For add-on cardholders, the minimum age should be 18 years and above.
  • Minimum Term Deposit amount is Rs. 25,000/-
  • Individual Term Depositors are allowed.
  • He/ She should be an Indian resident.
Cashback & Reward points
  • Get 1X reward points against every 125/- Rs of retail spends.
  • On Spend 1, 50,000 Rs in a year and get 4 free PVR movie tickets or Cash Back offer of Rs. 750.
  • Fuel surcharge waiver across all Indian petrol pumps for transactions between 500/- Rs and 3000/-

How to Apply for Kotak Mahindra Aqua Gold Credit Card – Application Process

To apply for the Kotak Mahindra Aqua Gold Credit Card just follow the below instructions.

  1. First, you have to visit the Kotak Mahindra bank.com
  2. Next, you have to click on Kotak Mahindra Aqua Gold Credit Card there you find the Apply Now button click on it.
  3. Then an application form is opened in that you have to fill the details like your name, mobile no, customer-id given by the Kotak Mahindra Bank.
  4. Next, you have to click on Proceed and submit the form.
  5. If you have any doubts regarding the card just contact your nearest branch for more details.

Card Review

Muthu – Coimbatore

I have Kotak Mahindra Bank credit card which I have taken through Bank directly. I am using this credit card for the past 10 years. This is a free card. The credit limit was very good and customer service was really good and getting a good response as well. There are good reward points as well as cashback offers. I am completely satisfied with the service.

Ali – Banglore

I have been using Kotak Mahindra’s credit card for almost a year. It was not a lifetime free card charges are applicable but very fewer charges. I do have many cards holding but not faced any issue with Kotak Mahindra bank I use to get offers and payment will be done on time.

Contact Details

Customer care: 1860-266-2666 or, 1860-266-0811

Kotak Mahindra Aqua Gold Credit Card is one of the best credit card with special benefits of interest-free cash withdrawals, fuel surcharge waiver, a credit limit up to 80% of your term deposit amount. Also, know about the Kotak Mahindra Aqua Gold Credit Card details like its features, eligibility and how to apply for the card. Still, if you have any queries regarding this card comment below. Don’t forget to share this article with your friends.

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