How to Activate Kotak Credit Card Online & Offline?

Updated on: Apr 21st, 2025

2 min read

Credit cards are an essential financial tool, offering convenience and flexibility for digital transactions. If you've received a Kotak Mahindra Bank credit card, activating it is the first step to unlocking its benefits. The process is simple and can be completed through multiple methods, ensuring seamless access to financial transactions.

Activating a Kotak Credit Card

Activating your Kotak Mahindra Bank credit card is quick and hassle-free, with both online and offline methods available. Whether you prefer using net banking, a mobile app, an ATM, customer care, or SMS, the activation process ensures secure and smooth usage of your card.

1. Activate Kotak Credit Card via Net Banking

To activate your Kotak credit card online, follow these steps:

Log in to the Kotak Mahindra Bank net banking portal using your credentials.
Navigate to the ‘Credit Card Activation’ option on the homepage.
Enter your credit card details and click ‘Submit’.
Set a new PIN and confirm your details.
Enter the OTP received on your registered mobile number to complete the process.

2. Activate Kotak Credit Card Using the Mobile App

For those who prefer a mobile-friendly option, the Kotak Mobile Banking app makes activation effortless:

Download the Kotak Mobile Banking app from the Play Store or App Store.
Log in to your account and go to the ‘Credit Card’ section.
Select ‘Card Overview’ and click ‘Set PIN’ under your credit card.
Enter your card details and click ‘Submit’ to finalize activation.

3. Activate Kotak Credit Card at an ATM

You can also activate your Kotak credit card offline at the nearest Kotak Mahindra Bank ATM:

Insert your credit card into the ATM machine.
Select ‘Set PIN/Generate PIN’ from the menu.
Enter your registered mobile number and receive an OTP.
Re-insert the card, enter the OTP, and set your new PIN.

4. Activate Kotak Credit Card via Customer Care

For assistance, reach out to Kotak Mahindra Bank customer care at 1860 266 2666. A bank executive will guide you through the process and help you activate your credit card instantly.

5. Activate Kotak Credit Card via SMS

A simple and quick method is activating your Kotak credit card via SMS:

Send an SMS with your credit card number to 5676788 or 9971056767 from your registered mobile number.
Your request will be processed within 24 hours on working days.

Final Thoughts

Activating your Kotak Mahindra Bank credit card is an easy process that ensures you can use your card for secure and hassle-free financial transactions. Regardless of the method you choose, make sure to use your registered mobile number for successful activation. Unlock the power of your credit card today and enjoy seamless spending with Kotak Mahindra Bank!

Other Kotak Bank Pages:
1. Kotak Bank Mobile Banking
2. Kotak Credit Card Cash Withdrawal Charges
3. Kotak Bank FD Calculator
4. Kotak Bank FD Interest Rates
5. How to Close Kotak Bank Account Online

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Frequently Asked Questions

Does Kotak credit card have a 6-digit PIN?

Yes, Kotak Mahindra Bank has a 6-digit PIN for their credit cards. You can generate the PIN of your Kotak credit card via online or offline modes according to your convenience.

How can I activate my Kotak debit card for the first time?

As a first-time user, you can activate your Kotak debit card using multiple methods, like mobile banking, net banking, SMS, ATM or customer care.

How long does it take to activate Kotak's credit card?

It usually takes Kotak Mahindra Bank a few seconds to activate your credit card when you apply for it online. In terms of offline mode, the bank will approve your credit card activation request within 24 hours.

What information do I need to provide during the activation of the Kotak credit card?

When you opt for Kotak Mahindra Bank credit card activation, you must provide information like your card number, name and OTP.

What happens if I do not activate my Kotak credit card?

If you do not activate your Kotak Mahindra Bank credit card within 30 days plus 7 days grace, the bank will close your credit card.

What should I do if Kotak credit card activation is not successful?

If your Kotak Mahindra Bank credit card activation is unsuccessful, you must connect to the bank by calling 1860 266 2666 from your registered mobile number.

About the Author

Mayashree Acharya

Senior Content Writer

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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