Do you want to apply for Kotak Mahindra Essentia Platinum Credit Card?. Then you are on the right page. In the previous article, we have given complete details about Kotak Mahindra Urbane Gold Credit Card. In this article, we have given you all the information for the Kotak Mahindra Essentia Platinum Credit Card details like its benefits, eligibility, annual fee & joining fee, etc., People who are interested to apply for the Essentia Platinum 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 Essentia Platinum Credit Card.
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About Kotak Mahindra Essentia Platinum Credit Card
Kotak Mahindra Essentia Platinum Credit Card is one of the cards with loaded benefits which are suitable for all your financial needs and luxuries This card offers with some benefits like savings on groceries, Add on card benefits and you can also earn savings points on all your essential purchases, and these can be redeemed whenever you want on all the special things you want to buy or experience.
|Card Name||Kotak Mahindra Essentia Platinum 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 Essentia Platinum Credit Card
- Get 10% off on every grocery store spends.
- Get one Saving Point for every Rs. 250 spend.
- Add-on Card benefits set the credit limit on your card.
- Milestone benefits like Reward points on every Air ticket, Airmiles, Movie Tickets, Mobile Recharge, and on shopping spent.
Fee & Charges
Kotak Mahindra Essentia Platinum Credit Card Charges & Fees as follows.
|Fee & other Parameters||Essentia|
|Joining Fees||Rs. 1499|
|Annual Fees||Rs. 749|
|Addon Card Fees||Rs. 299|
|Waiver of Annual Fees for First Year||NA|
|Waiver of Annual Fees for Second Year||NA|
|Interest Charges on outstanding Balances||3.50% (Annualized 42%)|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300|
|Reissue/ Replacement Card (per issuance)||100.0|
|Foreign Currency Mark Up||3.5%|
|Over Limit Charge||Rs. 500|
|Cheque Bounce Charges||Rs. 500|
|Railway Booking Surcharge||Applicable|
|Fee for Cash payment at Bank||Rs. 100|
|Outstation Cheque Processing Fee||Waived|
|Balance Enquiry Charges at Non-Parent Bank ATM||Waived|
|Charge Slip Request||Waived|
|Furnishing a copy of Credit Information Report (CIBIL)||Rs. 50|
|Machine Surcharge at ATMs||Waived|
|Duplicate Statement Request||Waived|
|Web Pay Service Fee||Waived|
Kotak Mahindra Essentia Platinum Credit Card Eligibility
- For Kotak Mahindra Essentia Platinum Credit Card you must be a primary cardholder and should be at the age of 21 – 65 years.
- For add-on cardholder, the minimum age should be 18 years and above
- Location – Ahmedabad, Bangalore, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune.
- He/She Should be an India resident.
Cashback & Reward points
- Essentia gives you 10 Saving Points for every 100/- you spend at departmental and grocery stores.
- Minimum transaction size 1500/-
- 1 Saving Point for 1/-
- Maximum transaction size 4000/-
- Earn 1 saving point for every 250/- of your spend on other categories.
- Milestone Benefits – Spend Rs. 1, 25,000/- for every six months & get six free PVR tickets Or 1200 Reward Points.
How to Apply for Kotak Mahindra Essentia Platinum Credit Card – Application Process
To apply for the Kotak Mahindra Essentia Platinum 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 Essentia Platinum 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.
Satish Kumar Agrawal – Delhi
I have this card. It’s really good looking and the texture is very nice. Kotak always upgrades cards in six months, and I started with urbane and got Essentia Platinum in 2 years. Another feature is for this card, it comes with a Visa signature and defaults domestic lounge access with it. Kotak app has a feature called credit card on/off. You can off the credit card, it is a dead card. So secure.
Poornith Ninan – Pune
Kotak has a scheme wherein they automatically revise your credit limit by 30% on your existing limit every 6 months and it also gives you edge reward points on every grocery purchase.
Customer care: 1860-266-2666 or, 1860-266-0811.
Kotak Mahindra Essentia Platinum Credit Card is one of the best credit card loaded with reward points and movie cashback offers. Also, know about the Kotak Mahindra Essentia Platinum Credit Card details like its features, eligibility, add-on card benefits, and reward points, etc., Still, if you have any queries regarding this card comment below. Don’t forget to share this article with your friends.