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Kotak Mahindra Bank Aqua Gold Card

Kotak Mahindra Bank Aqua Gold Card

Last Updated : Dec. 1, 2023, 11:07 a.m.

Credit cards empower you to fulfill your desires that may not be feasible with cash alone. Moreover, carrying large sums of cash is unsafe, as its theft or loss can leave you financially vulnerable. Although credit cards can also be lost or stolen, reporting the loss promptly can safeguard your finances. One such credit card is the Kotak Mahindra Bank Aqua Gold Card, which is secured against a term deposit. The card offers a range of benefits that avid credit card users would appreciate. From providing a higher credit limit to enabling interest-free cash withdrawals, the Aqua card promises an enjoyable shopping experience. Before applying for the card, thoroughly review its features and benefits to make an informed decision.

Features of Kotak Mahindra Bank Aqua Gold Card

There are many exciting features that aqua card has for the card holders to experience. So, if you are planning to have such cards, a thorough read on the card features is essential.

  • 80% of the deposit amount, credit limit available up to ₹12 Lakhs.
  • Interest-free cash withdrawal facility available upto 48 days each year.
  • Withdraw 90% of your card limit whenever you want.
  • Fuel surcharge waiver of 2.5%.
  • Railway surcharge waiver 1.8% ( and 2.5% (at booking counters).

Add-on Card

  • Add-on cards offer the same benefits as primary cards.
  • You can set spending limits for add-on cards as per your requirements.
  • Add-on cards can be tracked separately, facilitating easier management.

Aqua Shield

  • An insurance cover of ₹50,000 against fraudulent usage upto a week of pre-reporting, at the time of card being stolen or lost.
  • What you can do here is to deactivate, block or cancel the card by giving a call to the customer care number- 18602662666. At the same time, you can claim insurance by filing the same with the insurer. You can download the insurance claim form online.

Fees & Charges

If there are benefits, there are charges as well with Aqua Gold Card. Look at the charges that you need to pay with respect to the card.

  • Interest charges – 2.99% per month
  • Overlimit charge – ₹500
  • Joining fee – ₹1,499
  • Add-on card fee – NIL
  • Late payment charges – ₹100-700
  • Cash withdrawal charges- ₹300 per ₹10,000
  • Fuel surcharge- 1% on the transaction amount
  • Cash payment at branch- ₹100
  • Card replacement fee- ₹100

Eligibility Criteria

If you and the following points are on the same page, aqua card is well on the way to your wallet. Want to know what the points are? Check out below.

  • An Indian resident can apply for the card.
  • Primary cardholder should fall in the age of 18-75 years while applying for the credit card. Add-on cards require the cardholder be a minimum of 18 years and more.
  • Minimum amount of term deposit needed is ₹25,000
  • Only individual term deposits are permitted.

Documents Checklist to Avail Kotak Mahindra Bank Aqua Gold Card

  • Identity Proof-PAN Card/Passport/Voter ID/Aadhaar Card (Self-attested copy)
  • Residence Proof-Aadhaar Card/Passport/Latest Utility Bills (Self-attested copy)
  • Recent passport size photograph duly attested
  • Attached Declaration Form Duly Signed

Kotak Mahindra Bank Aqua Gold Card Application Status Online

If you have applied for the credit card, the next thing that would want is to know the application status, right! Well, you can check it online by browsing the official page of Kotak Mahindra Bank. The moment you reach to the page, you could find a link of ‘Application Status’. Click it and you would find a new page asking you to feed either Application Form Number or Application Reference Number. Enter any of those and find the actual status of the application.

Kotak Mahindra Bank Aqua Gold Card Statement

You should regularly keep track of your credit card spending by checking the statement sent to your registered email ID by the bank. The statement will detail the expenditures made using the credit card, as well as any applicable finance and retail charges, service tax, and cess.

Customer Care 24×7 Number

Before and after using the card, there may be some queries that you would like to resolve. You can do the same by calling to the customer care number-18602662666 and get all that resolved. You may want to know about the discount offers and the maximum credit available in your case with the card, right! So, the customer care representatives would help you in every way possible

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