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Let’s be honest, credit card statements can look like a foreign language sometimes. All those numbers, charges, and weird terms like “Auth Hold” or “Posted” can leave anyone confused.
Take Neha, for example.
She’s a freelance graphic designer based in Pune. Like most of us, she uses her Kotak credit card for daily stuff, Amazon orders, late-night food cravings, subscriptions for her design tools, and even shopping sprees on sale days. But when her credit card statement landed in her inbox this month, she stared at it for a good 10 minutes.
Her exact words? “Why is this showing a ₹1,200 transaction when I haven’t even paid yet?”
Neha’s credit card statement:-
Date | Description | Type | Amount (₹) | Status |
03-Mar-2025 | Amazon Purchase | Purchase | 2,499 | Posted |
05-Mar-2025 | Swiggy | Purchase | 520 | Posted |
07-Mar-2025 | UPI Credit Card Payment | Payment | -3,000 | Settled |
10-Mar-2025 | Zudio for Clothing | Purchase | 1,200 | Auth Hold |
12-Mar-2025 | Late Fee | Charge | 100 | Posted |
A Kotak credit card statement is a detailed monthly summary of your card usage, payments, charges, and rewards. It helps you track your financial activity and stay on top of your payments. Below are the main components included in the statement:
This section gives an overview of your account activity and important financial details for the billing cycle. It includes:
Read More - Kotak Bank Statement
This section provides a detailed log of all transactions during the billing period. It includes:
Here, all charges applied to your card are listed clearly. This includes:
This section highlights your reward points and offers:
Step 1: Visit the official website of Kota Bank and log in to Net Banking using your CRN and password.
Step 2: Click on the Credit Cards section from the main dashboard.
Step 3: Select your credit card number from the list.
Step 4: Click on the Statement or View Statement option.
Step 5: Choose the billing period you want and download the statement in PDF format.
Step 1: Log in to the Kotak Mobile Banking App using your MPIN or fingerprint.
Step 2: Tap on the Credit Card section from the home screen.
Step 3: Select CC Statements to view or download your credit card statement for the desired month.
Kotak Mahindra Bank offers a convenient way to access your credit card statements through WhatsApp. Follow these detailed steps to get your statement quickly and securely:
Step 1: Activate Kotak's WhatsApp Banking Service
You can start the service using either of the two methods below:
Option A: Via Direct Link
Option B: Via Missed Call
Step 2: Request Your Credit Card Statement
Once the chat is active:
Step 3: Receive Your Statement
After successful verification, your credit card statement will be generated and shared directly in the WhatsApp chat.
Step 1: Call the Customer Contact Centre
To initiate your request, call 1860 266 2666 from your registered mobile number. This number is operational from 9:00 AM to 7:00 PM, Monday to Saturday, except on public holidays.
The call will be charged at local call rates. Make sure you are calling during the official working hours to connect with a representative.
Step 2: Authenticate Yourself
Once connected, a customer service representative will ask you to verify your identity. You may be required to provide certain personal and account-related details, such as:
This is to ensure the security of your financial information.
Step 3: Request the Statement
After successful verification, inform the representative that you would like to receive your credit card statement. Be specific about the period for which you need the statement, such as the latest month, a specific date range, or a particular year.
You can also ask about the mode of delivery. Depending on your preferences and the bank’s policies, the statement may be sent to your:
Step 4: Understand the Charges
Please note that a service charge of ₹250 + GST will be applicable for each statement requested through customer care. This fee will be charged to your credit card account.
It is advisable to confirm the exact amount and how it will be billed before proceeding with the request.
Step 5: Confirmation and Delivery
Once your request is placed, the representative will confirm the expected delivery timeline. Statements sent via email are usually delivered quickly, while those sent by post may take a few business days, depending on your location.
Make sure to note down any reference number or confirmation message provided during the call, in case you need to follow up later.
1. Find the Nearest Branch
Use the branch locator on the Official website of Kotak Bank to find a nearby Kotak Mahindra Bank branch. Most branches are open Monday to Saturday, 10:00 AM to 4:00 PM.
2. Carry Required Documents
Bring your credit card, a valid photo ID, and ensure your registered mobile number is active (for OTP verification, if needed).
3. Visit the Branch
Go to the customer service desk and request a credit card statement. You may need to fill out a simple service request form with your card details and preferred statement period.
4. Verification and Delivery
After identity verification, you may receive:
If you notice an incorrect or unauthorised transaction on your Kotak Mahindra Bank credit card statement, you can raise a dispute by following these steps. Taking the right step and providing the right documents will help in resolving the issue efficiently.
Step 1: Download and Fill out the Dispute Form
Make sure the form is complete and accurate, and don’t forget to sign it.
Step 2: Collect Supporting Documents
If available, gather supporting documents to strengthen your dispute claim. These may include:
Scan these documents clearly for submission.
Step 3: Submit the Dispute
Once you have the filled and signed dispute form along with the scanned supporting documents:
*T&C Apply
Alternatively, you can raise the dispute through Kotak Net Banking:
Let’s take the example of Ravi, a 29-year-old working professional who has been using his Kotak Mahindra credit card for over a year. He follows a few simple habits that help him avoid debt, improve his credit score, and make the most of his card benefits.
1. He Pays the Full Amount Every Month
Ravi never just pays the minimum due. He always clears the total outstanding before the due date, which saves him from paying high interest and keeps his credit score healthy.
2. He Tracks Expenses Weekly
Using the Kotak Mobile Banking App, Ravi checks his credit card transactions every week. This helps him stay within budget and quickly spot any unauthorised or duplicate charges.
3. He Times Big Purchases After His Bill is Generated
Ravi knows his billing cycle. For example, if his bill is generated on the 5th of every month, he plans major purchases like flight tickets or electronics on or after the 6th, giving him nearly 45–50 interest-free days to pay.
4. He Avoids Cash Withdrawals
Even when short on cash, Ravi avoids withdrawing money using his credit card because he knows it attracts high interest from day one, along with a cash advance fee.
5. He Redeems Reward Points Regularly
Ravi regularly checks his reward points balance and redeems them before expiry, for movie vouchers, online shopping, or bill payments. He also uses card-specific discount offers on food delivery and travel bookings.
6. He Keeps Credit Usage Below 40%
If Ravi’s credit limit is ₹1,00,000, he makes sure not to spend more than ₹40,000 in a month. This keeps his credit utilization low, which is good for his credit score.
7. He Reads Monthly Statements Carefully
Ravi goes through the monthly statement sent by Kotak and compares it with his records. If something seems off, he immediately raises a dispute by emailing the bank with supporting documents.
8. He Uses EMI Facility Wisely
When Ravi bought a new phone for ₹25,000, he used Kotak’s EMI option at checkout. He chose a 0% EMI offer for 6 months, which helped him manage his monthly expenses without extra interest.
9. He Keeps an Eye on Fees & Charges
Ravi checks emails from the bank regarding fee updates or changes in terms. He also knows the annual fee and makes sure he meets the minimum annual spend to get it waived.
Below is the table showing how he manages his credit card wisely.
Date | Transaction | Amount (₹) | Action Taken by Ravi | Why It’s Smart |
Mar 6 | Flight booking | ₹12,000 | Made right after the billing date | Got a 45+ days interest-free period |
Mar 10 | Grocery & Dining | ₹5,500 | Regular spending is tracked via the app | Helps manage a monthly budget |
Mar 15 | Mobile recharge (Rewards) | ₹300 (redeemed) | Used reward points | Utilised benefits before expiry |
Mar 22 | Phone purchase (EMI) | ₹25,000 | Choose 0% EMI over 6 months | No interest; manageable monthly payments |
May 28 | Detected duplicate charge | ₹800 | Raised a dispute with Kotak via email | Protects against incorrect billing |
Mar 31 | Total Monthly Spend | ₹42,800 | Stayed below 40% of ₹1L credit limit | Maintains low credit utilisation for a good score |
Apr 4 | Paid the full bill | ₹42,800 | Paid before the due date | Avoided any interest/penalties |
Regularly reviewing your Kotak Mahindra Bank credit card statement is a crucial step toward responsible financial management. Your credit card statement is not just a list of transactions, it is a detailed summary of your monthly spending, payments, interest charges, fees, and rewards. Understanding this document helps you stay informed about your account activity and ensures that you are using your credit card wisely.
Kotak Mahindra Bank offers multiple ways to access your credit card statement, both online and offline. You can receive it through WhatsApp banking, mobile or internet banking, email, or by placing a request through customer care or at the nearest branch. These flexible options ensure that you can access your statement conveniently, in a way that suits your preferences.
By making it a habit to check your statement every month, you can easily track your spending, monitor your available credit, check the status of rewards or cashback, and identify any
unauthorised or incorrect charges. If you find any discrepancies, Kotak provides a straightforward dispute process that allows you to submit your concerns via email or net banking within a specified period.
How can I download my Kotak credit card statement online?
You can download it through Kotak Net Banking or the Kotak Mobile Banking App under the ‘Credit Cards’ section.
How often is the credit card statement generated?
The statement is generated once a month on your billing date, summarising all transactions, charges, and payments.
Can I receive my Kotak credit card statement by email?
Yes, you can opt for e-statements to be sent to your registered email ID every month.
What should I do if I find an error in my statement?
Fill out the dispute form, attach supporting documents, and email them to att.cards@kotak.com within 30 days.
Is there a charge for getting a statement through customer care?
Yes, a charge of ₹250 plus GST applies if requested through the Customer Contact Centre.
