Kotak Credit Card Loan: Kotak credit card personal loans are nothing but providing you with a loan on a credit card based on your credit history. Now suppose you are using your credit card for past years or months then you will be eligible for this option of credit card loans in Kotak. In this article, we’ll see how can you Avail of your Kotak credit card loan amount in just simple clicks.
Kotak Credit Card Loans
Kotak Credit Card Loans: The table of content refers to both two options the first option will be your Kotak 811 and the second option will be your contact website browser where you can directly log in and Avail of the credit card loan facility
What are quota credit card loans?
Kotak credit card loans or nothing but personal loan against your Kotak credit card. Suppose you don’t want to do any verification or apply for Kotak personal loan than a Kotak CC loan is one of the best options you can move forward with for a personal loan. The best part of this CC loan is that it does not require any verification or submission of documents and also the rate of interest will be as low as possible.
Kotak 811 App Loan
Kotak 811 App Loan: So there are two options in which you can Avail of the Kotak credit card Loan offers. The first option will be your Kotak 811 App and the second option will be your Kotak online website where you can directly log in without using your CRN or any other details.
Step 1: In the below image, you can see that I have logged in to my Kotak 811 App, and at the top section, you can see that there is an option for loans and offers.
Suppose you are not getting this option then you can scroll down and search for other offers on your Kotak 811 app generally when you have any offer on your credit card or bank account it will reflect there just click on this option.
Step 2: In step two you can see there is an option for a “ personal loan on CC ” In my case I am eligible so I’m getting this option if in your case you are not eligible then you have to wait for some time.
Step 3: As you can see I am eligible for 4 lakhs of personal loan on my credit card and the tenure is 60 months with and rate of interest of up to 16% the processing fee will be 6000 in my case and the EMI amount will be 9,727 per month as per below image.
Also, you can see Bank details below so here by default the Kotak bank account will be provided and suppose if you don’t have a Kotak bank account and you have only a credit card then you can directly log in and you can select whatever bank account you have. Here we have multiple bank account options you can select and put your saving account number and ifsc code so the amount will get credited to that particular account.
Step 4: As you can see in the below image I have selected 2,50,000 amount here the tenure will be 9 months and the rate of interest will be charged 15% with zero processing fee and the EMI amount will be 29,542 with GST.
Step 5: Below you will get confirmation of all the Loan details on CC and click on “Confirm”
Step 5: Here in the last step, you can see that I have successfully applied for a personal loan on my credit card and it will get approved in 3 to 4 days. Please read the below attached screenshot for more reference.
Kotak Banking Loan
Step 1: If you don’t use Kotak 811 app then you can directly log in to Kotak credit cards and check your loan eligibility.
Go to any browser and type Kotak credit card loan checks as you can see in the below image then scroll down and you can find ” Avail personal loan on a credit card with low-interest rate “ just click on that. If not click here to visit site directly!
Step 2: In Step 2 the Kotak website will open as you can see in the below image so there is an option called "apply now” just click on apply now and proceed further.
Step 3: So here you have to provide your registered mobile number with your credit card and also the date of birth which is registered in your Kotak credit card also if you want to log in through your CRN number you can use your CRN number. CRN number is basically when you have your Kotak 811 account then you can use your CRN number to log in here.
Step 4: So here you can see I have selected the loan amount of 2 lakhs and the tenure I have selected is 12 months for the account which I’m selecting here, the loan amount will get credited to my Kotak bank account as you can see here. On the right side, you can see the rate of interest will be 16% per annum is a yearly basis, the processing fee with be 3,000 and the Emi will be 18,146 rupees per month so check all your details correctly you can proceed further just click on proceed.
Step 5: All the confirmation details will be in this step. Once you confirm the detail then you’ll receive an OTP on the registered mobile number just provide the OTP and you can proceed further and you will get a confirmation mail that “thank you for applying for a personal loan on a credit card facility “ please allow us three to five working days for processing the request.
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Conclusion
If you are really in need of money and you have a Kotak credit card then you can Avail of this facility of personal loan on Kotak credit cards. Kotak Mahindra Bank is one of the best credit card facility providers and credit card as well. So, if you pay all your Kotak credit card bills on time and you are using it for past years you’ll be eligible for this personal loan offer on the credit card. The best part of this is once you apply for a personal loan then your credit card limit will not be blocked here in this case.
Also compared to other banks in the Market Kotak credit card personal loans are quite easy and simple to get. If you have any doubts or concerns please feel free to comment also if you want you can DM us on our social media handle for any queries or questions.
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