Now Pay Kotak Mahindra Credit Card Bill With NPCI Bharat Billpay

November 24, 2022

The wholly-owned subsidiary of the National Payments Corporation of India (NPCI), Bharat BillPay, has partnered with Kotak Mahindra Bank to introduce its credit card bill payment through this ecosystem. 

With this, customers of the Kotak credit card will now be able to make seamless and convenient bill payments via Bharat BillPay. Kotak Mahindra has become the first private bank to partner with NPCI in the credit card category. 

Read on to learn how to make payments through this channel.

How to pay Kotak Mahindra credit card bills through Bharat BillPay?

You can pay your credit card bill through Bharat BillPay by following these steps:

Step 1: Connect to your bank using the Bharat BillPay icon

Step 2: Select the category and the biller for which you would like to pay the bill

Step 3: Enter the last four digits of your credit card and your mobile number

Step 4: You will get the necessary details, such as the due bill amount, consumer’s name, minimum due amount, and more, on the screen

Step 5: Make the payment through your preferred payment method

You will receive a confirmation on your computer screen after following these steps.

How to apply for a Kotak Mahindra credit card?

You can apply for any type of credit card, including a business credit card, through Kotak Mahindra by following these steps:

Step 1: Go to the Kotak Mahindra official website

Step 2: Navigate to the ‘credit card’ section

Step 3: Choose the best credit card for your needs

Step 4: Click on the ‘Apply’ button

You can also go to your nearest Kotak Mahindra Bank branch and ask a bank executive to assist you with the credit card application process.

What are the eligibility criteria to obtain a Kotak Mahindra credit card?

To obtain a credit card from Kotak Mahindra, you need to fulfill a few basic eligibility parameters. These include:


To be a primary credit cardholder, you must be aged between 21 and 65. You must be at least 18 years old to obtain an add-on credit card.


Residents of Ahmedabad, Bengaluru, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune are eligible.


You must meet the income requirements of the specific card you are applying for. Typically, the minimum requirement is an annual income of 3 lakh.

What are the documents required to obtain a Kotak credit card?

Apart from meeting the eligibility parameters, you are also required to submit a few essential documents to obtain a credit card. Find about them below:

Identity Proof

A copy of the PAN card, as well as the Aadhaar card, Voter’s ID, passport, driving license, or any other government-issued photo ID card.

Address proof

A copy of your Aadhaar card, passport, Voter’s ID, driving license, most recent utility bills, rent agreement, municipal tax receipt, property tax receipt, or an official document issued by the state or central governments with the updated address.

Proof of Income

For salaried individuals: Salary slips and bank statements showing salary credit for the last three months are required for salaried individuals.

For self-employed individuals: Most recent income tax return is to be submitted by self-employed individuals.

Why should you apply for a Kotak credit card?

Apart from the recent facility that allows customers to pay bills through Bharat BillPay, Kotak Mahindra also extends several offers on credit cards. These include reward points on milestone spending, shopping, and more. Additionally, you can also transfer your outstanding balance for better debt management. 

One of the many advantages of a Kotak credit card is that you might get an offer for a lifetime-free credit card. They feature low joining and annual fees that do not pose a financial burden on customers. 


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