Kotak Mahindra Bank Credit Card Payments through ATMs

Last Updated : May 13, 2025, 5:02 p.m.

Do you want to settle your Kotak credit card bill? Your debit card is the key to make quick Kotak Mahindra Bank credit card payments through ATMs. Find a compatible ATM, simply access the bill payment menu and follow the on-screen guidance to complete your transaction in minutes. Additionally, you can also pay by depositing a cheque at an ATM drop box.

Step by step Guide to Make Kotak Mahindra Bank Credit Card Payments through ATMs - Using Debit cards

This convenient payment method ensures your credit card bill is processed immediately, helping you avoid late payment fees. Here are the steps to pay the bills for your Kotak Mahindra Bank Credit Cards via ATMs.

1. Find a Compatible ATM: Locate any ATM that supports credit card bill payment services.
2. Use Your Debit Card: Insert your Kotak Mahindra Bank debit card in the ATM.
3. Navigate to Bill Payment: On the ATM screen, choose the "Bill Payment" or "Credit Card Bill Payment" option
4. Enter credit card details: When prompted, enter your 16-digit Kotak Mahindra credit card number and specify your desired payment amount on the ATM keypad.
5. Double-check all transaction information: Verify all the details regarding the transaction displayed on screen before authorizing the payment. Once confirmed, funds will be automatically withdrawn from your bank account and transferred to your credit card balance.

Kotak Mahindra Bank Credit Card Payments Through ATMs - The Cheque Method

Another offline credit card payment method is to draw a cheque or demand draft (DD) in favour of the credit card account and drop it at any bank branch or ATM drop box.

The cheque or draft must be written in favour of the respective credit card account (Note down the 26-digit credit card number on the cheque). It must also contain your name and contact number on the reverse side.

If the bank issuing the cheque and the bank issuing the credit card are the same, your cheque will be processed within 3 working days. If they are not the same, it will take 5 working days. Outstation cheques will be cleared in 12 - 21 working days.

Hence, make sure to make bill payments as per the cheque clearing timelines. This will help in ensuring that the payment will reflect on or before the due date.

Important Points to Note When Making Kotak Mahindra Bank Credit Card Payments through ATMs

• Protect your security by never recording your PIN on any physical item, particularly on your banking card. Instead, commit your PIN to memory for optimal protection.
• Keep your PIN strictly confidential and never disclose it to others. Enhance your account security by resetting your ATM PIN during your initial card activation. Subsequently, implement a schedule for periodic PIN changes. While this practice requires extra effort, it significantly strengthens your financial protection against unauthorized access.
• Guard against shoulder surfing by physically blocking the view of the keypad when entering your PIN. Position your body strategically and use your hand as a shield to prevent onlookers from observing your confidential information.
• Maintain complete focus during your ATM visit by declining conversations with unknown individuals in the ATM booth. Remain vigilant throughout your entire transaction, as momentary distractions can compromise your security.
• Immediately abort your transaction if you notice any suspicious devices or attachments on the ATM machine.
• Always complete your session properly by pressing the 'Cancel' button and confirming that the welcome screen appears before departing.
• Protect your privacy by destroying transaction receipts immediately after verifying their accuracy.
• Contact Kotak Mahindra Bank without delay if your ATM card is compromised or missing.
• Following any ATM deposit transaction, verify that the correct amount appears in your account statement within 48 hours and report any inconsistencies to the bank promptly.
• Enhance your security by ensuring your current mobile number is linked to your account to receive instant transaction notifications.
• In case the ATM fails to dispense cash or retains your card unexpectedly, contact the bank's customer service immediately to resolve the issue.

Benefits of Making Kotak Mahindra Bank Credit Card Payments through ATMs

Making credit card payments for Kotak Mahindra Bank through ATMs offers several benefits:

1. Convenience and Accessibility

ATMs are widely available across the country, making them an accessible option for credit card payments, especially when you’re on the move or don’t have immediate access to internet banking.

2. 24/7 Payment Facility

Unlike branch banking that operates during specific hours, ATMs provide round-the-clock service, allowing you to make credit card payments at any time, including weekends and holidays.

3. Immediate Transaction Confirmation

When you make a payment through an ATM, you receive an immediate confirmation receipt, providing proof of your transaction for record-keeping purposes.

4. No Additional Processing Fees

Kotak Mahindra Bank doesn’t typically charge any additional processing fees for credit card payments made through ATMs, making it a cost-effective payment option.

5. Quick Processing Time

Payments made through Kotak Mahindra Bank ATMs are usually processed within 24-48 hours, helping you avoid late payment fees if you’re close to your due date. Timely payments also enable you to maintain a good CIBIL score .

Conclusion

Making Kotak Mahindra Bank credit card payments through ATMs offers a convenient, accessible, and efficient way to manage your credit card bills. By understanding the various payment options available and following the step-by-step process outlined in this guide, you can ensure timely payments, avoid late fees, and maintain a healthy CIBIL score.

Remember that consistent, on-time payments are crucial for maintaining good credit health. Whether you choose ATMs or other payment methods, Kotak Mahindra Bank provides multiple convenient options to help you stay on top of your credit card payments.

For more information or assistance with credit card payments, contact Kotak Mahindra Bank customer service at 1860 266 2666 or visit your nearest branch.