Apply Online Now

For Existing Bank Customers; holding Term Deposit

  • The NRE/NRO Term Deposit should be greater than Rs. 1 Lakh

For Existing Bank Customers; who don't have an existing Term Deposit

  • Please click here and open NRE/NRO Term Deposit greater than Rs. 1 Lakh with the bank

For customers who do not have an existing relationship with the Bank

  • Please click here to open a NRE/NRO Savings Account and NRE/NRO Term Deposit with Kotak Mahindra Bank

Reward Program

The Kotak NRI Credit Card is designed exclusively for Indians who have settled abroad. Get one today and avail 4 times the reward points on international spends as compared to spends within India.

You can now opt for the reward program that suits you. Choose to automatically redeem your reward points or convert them to Airmiles.

  • Earn 4X rewards on international spends; i.e. earn 4 rewards points for every Rs. 200 spent.
  • Earn 1 reward point for every Rs. 200 spent within India
  • Auto encashment of reward points every 3 months
  • 1 Reward Point = Re 1/- or 1 Airmile*

* Available with our travel partners - Kingfisher Airlines, Jet Airways & Air-India

Smart Pay

Enjoy the convenience of a care free payment via the auto-debit facility of minimum amount due. It is mandatory that the payment is made from your NRE/NRO A/c. You can also pay by:

  • Login to your Kotak net-banking & pay from your NRE/NRO Bank account
  • Pay through your other banks NRE/NRO account using NEFT mode of transfer
  • Pay through cheque from your NRE/NRO Bank account
  • Visa Money Transfer through VISA Debit card issued on NRE/NRO Bank account

Add-on Cards

Get the benefit of gifting an Add-on card to your spouse, parents or children (above 18 years) wherein they can enjoy all the benefits of the primary card. The Add-on card can be issued irrespective of location/citizenship status be it India or abroad.

Additional Benefits

  • Fuel surcharge waiver within India (savings of 2.5% surcharge)
  • Railway surcharge waiver on bookings done via www.irctc.com (savings of 1.8%)
  • Zero Charge EMI* for 3 months

* Convert any purchases above Rs. 5000 into EMI. EMI can be availed upto 75% of credit limit.

Fees & Charges

  • The Kotak NRI Credit Card comes with an annual fee of Rs. 1000 + applicable taxes
  • Add-on cards to be issued at a one time fee of Rs. 599 + applicable taxes
  • Interest of 3.1% P.M.

For detailed list of fees & charges please refer our Most Important Terms and Conditions.

Quick Links