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Kotak Credit Card Status

The Kotak credit card is your gateway to financial freedom. Kotak credit cards are available under different categories, offer exclusive benefits from time to time, helping you gain with every penny spent. So, if you are waiting to grab your Kotak credit card, here’s how to check your Kotak credit card status and different ways to get the latest updates on your credit card application status.

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Kotak Credit Card Status

Kotak Bank issues credit cards under various heads. From shopping, travel, dining, lifestyle deals to more; enjoy the best under each head. Thanks to the competitive fee structure, transparent terms and conditions, and a robust customer care mechanism, Kotak credit cards are preferred on every front. If you too have applied for a Kotak credit card and are waiting for its approval, here’s how to track Kotak credit card status and ways to check Kotak credit card application status online and offline.

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How To Track Kotak Bank Credit Card Status Online?

Checking the Kotak Mahindra Bank credit card status through the online channel is easy and hassle-free. The bank’s robust tracking mechanism allows potential cardholders to get the latest updates of their Kotak credit card application status within minutes.

The bank allows tracking of Kotak credit card application status through:

  • Application Form Number
  • Unique Reference Number (Form Number)
  • Mobile Number and DOB

The Application Number and the Unique Reference Number (Form Number) are issued to the Kotak Bank credit card applicant once the bank receives the credit card application. These numbers are sent via an SMS acknowledgment on the mobile number mentioned in the credit card application form.

The step-by-step procedure to track Kotak credit card application status online is as follows:

Step 1: Login into the official website of Kotak.

Step 2: Click on the ‘Explore Products’ tab available in the header bar.

Step 3: Click on the ‘Credit card’ tab from the drop-down menu.

Step 4: Select the ‘Credit Card Services’ option.

Step 5: Go to the ‘Track Application Status’ option.

Step 6: Select the product ‘Credit Card’ from the drop-down menu.

Step 7: Choose the Identifier ‘Application Form Number’ or ‘Mobile Number and DOB’.

Step 8: Enter the required details and submit the request

The latest updates on Kotak credit card application status will appear on the screen.

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How To Track Kotak Bank Credit Card Status Offline?

Customers without internet access can check the Kotak credit card application status offline.<

The methods through which the Kotak credit card application status can be checked offline are:

Kotak credit card application status check through Customer Care

Potential credit card customers can call the 24X7 customer care helpline @ 1860-266-2666 for any card-related inquiry. This is a toll-free number for domestic calls. International customers can call @ 91-22-6600-6022.

The Kotak credit card application status can be checked using the Application Form Number, Unique Reference Number (Form Number), or the Mobile Number and DOB.

Kotak credit card application status check through SMS

To check the Kotak credit card application status through SMS, type K CCAPP and send it to 5676788 or 997 105 6767 from the registered mobile number.

Kotak credit card application status check through Branch Visit.

To check the Kotak credit card application status through a branch visit, simply walk into the nearest bank branch. The bank representative present at the Helpdesk will help you get the status updates. Don’t forget to keep the Application Form Number, Unique Reference Number (Form Number), or the Mobile Number and DOB details handy.

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Possible Outcomes of Kotak Bank Credit Card Status Check

Once you have received the status update on the Kotak Bank credit card, it’s important to comprehend the status check correctly. Kotak credit card status check may have six possible outcomes. These are:

  • In progress
  • Approved
  • Dispatched
  • On hold
  • Declined
  • No records found

In Progress: This status will appear once the credit card application is received by the bank and the acknowledgment is sent through the issuance of the Application Form Number, and Unique Reference Number (Form Number). It signifies that the application screening and evaluation are still underway and any decision on acceptance or rejection is still pending

Approved:This status update means that your credit card application has been approved by the bank. The bank will shortly dispatch the physical credit card to the registered mailing address.

Dispatched: After the new credit card is prepared with your name inscribed, it will be dispatched to the mailing address provided in the credit card application. The credit card dispatch notification is shared via SMS along with the shipment details of your credit card and the Airway Bill Number. The dispatched credit card will reach you within 5 to 7 business days.

On-Hold: The Kotak Bank may put your Kotak credit card application on hold in case there is a failure in the credit card verification process, incomplete documentation, or any missing information. The bank representative will get in touch with you to get the required information. The query, once resolved, will lead to a change in the Kotak credit card status again.

Declined:In case the bank decides to disapprove your Kotak credit card application, the Kotak credit card status check will show the status as ‘Declined’. This usually happens if you fail to meet the eligibility conditions or have a below-par CIBIL score. You may get in touch with the bank representative to know the exact reason for rejection and follow up on the matter.

No Records Found: This occurs when the bank has still not received your credit card application. This may be because of the wrong details entered in the credit card application. Visit the nearest bank branch to get the matter resolved.

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Security Tips To Keep In Mind For Your Kotak Bank Credit Card

Credit cards must be handled with safety and care. Personal and financial details should not be shared. Therefore customer awareness about dos and don’ts is important to ensure overall safety and smooth card functioning. The list of do’s and don’ts is as under:

Dos

  • Upon receiving your new Kotak Credit Card, make sure that the ‘Welcome Kit’ is sealed. Do not accept the credit card if the seal is broken and inform the customer care immediately.
  • Sign on the reverse of the card on receipt.
  • Credit card is as good as cash. Keep it safe.
  • Report loss of credit card immediately.
  • Make sure the credit card is swiped in your presence.
  • Always keep your mobile number updated in bank records.
  • Register for instant transaction alerts.
  • Always keep your address or contact details updated in bank records.
  • In case of a fraudulent transaction, report immediately at Kotak customer care helpline.
  • Register your card with Verified by Visa (VbV) or Mastercard Secure Code (MCSC). These act as an additional security layer for credit card transactions.
  • Cut the credit card into four pieces when disposing of.
  • Apply for a credit card replacement after an international trip.

Don'ts

  • Do not give your Kotak Credit Card to anyone.
  • Do not disclose your credit card number, expiry date, and CVV details to anyone.
  • Abstain from using credit cards on gaming, pornography, lottery, gambling websites, or unsecured payment gateways.
  • Do not write your credit card PIN on the credit card. Always memorize it.
  • Do not get a photocopy done of the front and back of your Credit Card. Please note it is not required for applying for a new credit card.
  • Do not sign a blank application form which is to be filled up by an agent or Bank representative later.
  • Do not login into your net banking portal from unsecured public computers like cyber cafes.
  • Do not use your credit card on unsecured websites. Check the lock symbol logo before proceeding.
  • Do not fall prey to fraud emails and SMS. Do not respond to such messages.

Please note, Kotak Mahindra Bank representatives will never ask you to send or share your banking details.

Kotak Credit Card Application Status FAQs

✅ What information is required for the Kotak Bank credit card status check?

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Kotak Mahindra Bank allows tracking of Kotak credit card application status through:

  • Application Form Number
  • Unique Reference Number (Form Number)
  • Mobile Number and DOB

✅ How to check Kotak credit card application status offline through SMS?

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To check the Kotak credit card application status offline through SMS, type K CCAPP and send to 5676788 or 997 105 6767 from the registered mobile number

✅ How to check Kotak credit card application status offline through Customer Care?

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Kotak credit card customers can check their Kotak credit card application status by calling 24X7 customer care helpline @ 1860-266-2666 for domestic calls and 91-22-6600-6022 for international calls.

Keep your Application Form Number, Unique Reference Number (Form Number), or the Mobile Number and DOB handy before calling Kotak customer care helpline. 

✅ How can I track my Kotak credit card with the Airway Bill Number?

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Kotak bank will share the Airway bill number once your credit card application is approved and dispatched. The Airway bill number is issued by the shipping company through which the credit card is shipped. To track your Kotak credit card with Airway Bill Number, the steps are:

  • Visit the official website of Kotak Mahindra Bank.
  • Go to the ‘track your credit card’ tab.
  • Enter your Airway Bill Number.

The current location of your credit card shipment will appear on the screen. The expected date of delivery will also appear on the screen.

✅ Can I check my Kotak credit card status with mobile number?

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Yes, you can check your Kotak Bank credit card application status using your Mobile number. You will also need to enter your Date of Birth as mentioned in the credit card application to track your Kotak Bank credit card application status.

✅How can I track my Kotak credit card application status online?

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The step-by-step procedure to track Kotak credit card application status online is as follows:

  • Login into the official website of Kotak
  • Click on the ‘Explore Products’ tab available in the header bar
  • Click on the ‘Credit card’ tab from the drop-down menu.
  • Select the ‘Credit Card Services’ option.
  • Go to the ‘Track Application Status’ option.
  • Select the product ‘Credit Card’ from the drop-down menu
  • Choose the Identifier ‘Application Form Number’ or ‘Mobile Number and DOB’.
  • Enter the required details and submit the request

✅Where can I get details for my Kotak credit card Application Number?

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Once you apply for a Kotak credit card, an Application Number and a Unique Reference Number (Form Number) are issued by the bank. These are an acknowledgment that the bank has received your credit card application. These numbers are sent via SMS on the mobile number mentioned in the credit card application form.

✅How should I dispose of my unused Kotak credit card?

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Once you receive a new replacement card, dispose of the old, unused card by cutting it into four pieces. Make sure you damage the magnetic strip and credit card number completely.

✅ How long is the Kotak credit card application process?

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The Kotak Bank credit card application process takes about 21 days.

✅ What is the minimum CIBIL score required for a Kotak credit card?

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The minimum CIBIL score required for a Kotak credit card is 750 points.