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.
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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 Name||Kotak Mahindra Aqua Gold Credit Card|
|Card Type||Credit Card|
|Credit Usage Limit||up to 2 lakhs|
|Cash Usage Limit||10,000 daily|
|Reward Points||Earn edge rewards on every transaction.|
|Official Website||Click 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 Parameters||Aqua|
|Addon Card Fees||Nil|
|Waiver of Annual Fees for First Year||NA|
|Waiver of Annual Fees for Second Year||NA|
|Interest Charges on outstanding Balances||2.99% (Annualized 35.88%)|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 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 Charge||Rs. 500|
|Cheque Bounce Charges||Rs. 500|
|Fee for Cash payment at Bank||Rs. 100|
|Foreign Currency Mark Up||3.5%|
|Fuel Surcharge (1% on the transaction)||Waived|
|Railway Booking Surcharge (1.8%/2.5% on transaction amount)||Waived|
|Charge Slip Request||Waived|
|Machine Surcharge at ATMs||Waived|
|Balance Enquiry Charges at Non-Parent Bank ATM||Waived|
|Outstation Cheque Processing Fee||Waived|
|Reissue/ Replacement Card (per issuance)||100.0|
|Duplicate Statement Request||Waived|
|Web Pay Service Fee||Waived (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.
- First, you have to visit the Kotak Mahindra bank.com
- Next, you have to click on Kotak Mahindra Aqua Gold Credit Card there you find the Apply Now button click on it.
- 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.
- Next, you have to click on Proceed and submit the form.
- If you have any doubts regarding the card just contact your nearest branch for more details.
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.
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.