Everything You Need to Know About Kotak Credit Card Statement – Download, Understand & Troubleshoot (2025)

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:-

Components of Kotak Credit Card Statement

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:

1. Account Summary

This section gives an overview of your account activity and important financial details for the billing cycle. It includes:

• Cardholder Details: Your name, registered address, and mobile number.
  
  
• Statement Period: The billing cycle dates the statement covers.
  
  
• Payment Due Date: The last date by which you should make your payment.
  
  
• Total Amount Due: The full amount payable, including purchases, fees, and interest.
  
  
• Minimum Amount Due: The least amount you must pay to avoid late payment charges.
  
  
• Closing Balance: The outstanding amount at the end of the billing cycle.
  
  
• Current Outstanding Balance: Based on your total spending to date.
  
  
• Available Credit: The amount of unused credit remaining.
  
  
• Credit Limit: The total credit limit assigned to your card.

2. Transaction History

This section provides a detailed log of all transactions during the billing period. It includes:

• Date and Description: When and where the transaction occurred.
• Merchant Name: The name of the store or service provider.
• Amount Spent: The transaction amount for each entry.

3. Fees & Charges

Here, all charges applied to your card are listed clearly. This includes:

• Finance Charges: Interest is applied on carried balances or cash withdrawals.
• Late Payment Charges: Applied if the minimum due is not paid by the due date.
• Over-limit Charges: Fees are charged if your usage exceeds the card’s credit limit.

4. Rewards and Benefits

This section highlights your reward points and offers:

• Reward Points Summary: Opening balance, points earned, redeemed, and closing balance.
• Exclusive Offers: Promotions and benefits available on your card during the billing cycle.

5. Other Important Information

• Terms and Conditions: Updates or important rules related to your card.
• Late Payment Warning: A reminder about the impact of late payments on your account.
• Year-to-Date Totals: Cumulative spending and payment data for the year.

How to Check Kotak Credit Card Statement Online?

Through Net Banking

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.

Through Mobile Banking

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.

Through WhatsApp

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

• Open your mobile browser and visit: Kotak Mahindra WhatsApp Service
• This link will open the official Kotak Mahindra Bank WhatsApp chat window

Option B: Via Missed Call

• Give a missed call to 9718566655 from your registered mobile number.
• You will receive a WhatsApp message from Kotak Bank’s official and verified number: 022 66006022.
• This message will confirm your registration and list the available banking services.

Step 2: Request Your Credit Card Statement

Once the chat is active:

1. Type STMT in the chat and send it.
2. You will be prompted to enter the last 4 digits of your credit card or account number for verification.

Step 3: Receive Your Statement

• After successful verification, your credit card statement will be generated and shared directly in the WhatsApp chat.

  
  

• You can download the statement in PDF format and view it anytime on your phone.

How to Check Kotak Credit Card Statement Offline?

Through Customer Care

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:

• Your full name
• The last four digits of your credit card
• Date of birth
• Any other details needed for verification

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:

• Registered email address
• Registered postal address

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.

Through Branch Visit

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:

• A printed copy immediately (if available), or
• A digital/postal copy sent to your registered email or address within a few days.

How to Dispute a Transaction On Your Statement

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

• Visit the Official website of Kotak Bank.
• Search for and download the Credit Card Dispute Form.
• Fill in all the required details carefully, including:
  • Your credit card number
  • Your CRN (Customer Relationship Number)
  • Detailed information about the disputed transaction(s)
  • The reason for the dispute (e.g., Duplicate Billing, Incorrect Amount, Unauthorised Transaction)

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:

• Cancelled or void slips
• Refund confirmations
• Sales receipts
• Invoice copies
• Email correspondence with the merchant (if any)

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:

• Email them to att.cards@kotak.com 
   
• Ensure the email includes all necessary details and attachments for faster processing.

Optional: Submit via Net Banking

Alternatively, you can raise the dispute through Kotak Net Banking:

• Log in to your Kotak Net Banking account.
• Go to Help, then Inbox, and then Compose Mail.
• Attach the completed dispute form and any supporting documents, then send the request.

Note:

• Timeframe: Disputes must be reported within:
  
  30 days from the statement date for credit card transactions
  
  
  • 30 days from the transaction date for debit card transactions
    
    
• Reference Numbers: If you have a reference number or transaction ID, include it in your email for faster tracking.
  
  
• Follow-up: Keep a copy of the sent email and attachments for your records. The bank may contact you for additional information during the review process.

Tips to Manage your Kotak Bank Credit Card Efficiently

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.

Conclusion 

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.

FAQ’s

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.

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