METRO Kotak Credit Card
Kotak Mahindra Bank Kotak Mahindra Bank

METRO Kotak Credit Card

/assest/image/icons/cashback.svg Cashback
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/shopping.svg Shopping
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Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Cashback Cashback
Reward Points Reward Points
Shopping Shopping
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Welcome benefits:- Get up to Rs. 500 cashback on your first swipe within 30 days of card issuance. This is valid on the transaction value of Rs. 10,000 in a day.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About METRO Kotak Credit Card

Kotak Mahindra Bank, in partnership with METRO Wholesale, has launched the METRO Kotak Credit Card. This co-branded business credit card is designed for METRO members, offering cashback on purchases, a credit-free period, and contactless payment features. It is specially made for kirana store owners, traders, hotels, restaurants, and caterers shopping at METRO Wholesale outlets in India.

Other Features and Benefits

Cashback

Earn up to 1% cashback on METRO spends (capped at Rs. 10,000 per statement cycle)

  • 0.25% for Rs. 10,001 – Rs. 30,000
  • 0.50% for Rs. 30,001 – Rs. 5,00,000
  • 1% for above Rs. 5,00,000

Activation Benefit

  • Get up to Rs. 500 cashback on your first swipe within 30 days of card issuance (transaction of Rs. 10,000 in a day)

Credit-Free Period

  • Enjoy up to 48 days of credit-free period

Contactless Payments

  • Make safe and fast transactions up to Rs. 5,000 without entering a PIN

Fees and Charges

The fees and charges structure of Metro Kotak Credit Card are mentioned below - 

Type of Fee/ChargeAmount
Annual fees NA 
Joining fees NA 
Add-on card fees NA 
Waiver of joining and annual fees NA
Outstanding balance interest charges 3.5% (42% annualized) 
Minimum amount due 10% 
ATM cash withdrawal/Fund transfer/Draft call Rs.300 
Over limit charge Rs.500 
Charges for late payment 
  1. Less than or equal to Rs.500: Rs.100
  2. Rs.500.01 to Rs.10,000: Rs.500
  3. Greater than Rs.10,000: Rs.700
Charges for cheque bounce Rs.500 
Cash payment at Bank fee Rs.100 

Things to Know Before you apply

Get this card if:

  • You have a valid METRO membership.
  • You are self-employed, or a proprietor/partner of a firm.
  • You spend most of your business or personal expenses on a credit card.
  • You prefer direct cashback instead of reward points.
  • You want a credit card with zero annual fee.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For METRO Kotak Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

METRO Kotak Credit Card Hilights

What do we like about this card?

  • Cashback Offers: Earn cashback on bulk shopping at METRO Wholesale, both online and offline.
  • Credit-Free Period: Enjoy up to 48 days without interest on purchases.
  • Store Savings: Get 1% savings on purchases made in METRO stores.
  • Welcome Benefit: Spend over Rs. 10,000 on your first swipe within 30 days of card issuance to get up to Rs. 500 cashback.
  • Contactless Payments: RuPay contactless feature allows transactions up to Rs. 5,000 without a PIN, offering fast and secure payments.

Pros

  • Up to 1% cashback on METRO spends
  • Activation benefit of up to Rs. 500 on first swipe of Rs. 10,000
  • 48 days of credit-free period
  • Contactless payments up to Rs. 5,000 without PIN
  • Free add-on card for family members

Cons

  • Exclusively for METRO business members (kirana owners, traders, hotels, caterers)
  • Cashback capped at Rs. 10,000 per statement cycle
  • Not suitable for salaried/private sector employees
  • No reward points on non-METRO or other category spends

Kotak Mahindra Bank Credit Card Contact Details

  • Contact Address: Kotak Mahindra Bank Ltd. 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051, India
    Helpline: 1860 266 2666 (available from all major cities in India)
    Simply SMS: Send KCC last 4 digits of your credit card to 5676788 to get card-related info.

Frequently Asked Questions

Everything you need to know about this credit card

A. Yes, you can withdraw cash. A cash advance fee of Rs. 300 is charged for every Rs. 10,000 withdrawn. It is advisable to avoid cash withdrawals as it incurs higher charges.

A. Activate your card by generating a PIN via Kotak net banking or mobile app. Go to the ‘Regenerate PIN’ option, set a new PIN, and your card will be ready for use.

A. You can pay your bill online via NEFT, UPI, or bank transfer. For offline payment, visit the nearest Kotak branch and pay using cash or cheque.

A. Yes, add-on cards are available with no joining or annual fee. The credit limit for add-on cards is decided by the bank.

A. This card is designed for kirana owners, traders, hotels, restaurants, and caterers (HoReCa) shopping at METRO Wholesale in India. Applicants must be self-employed, proprietors, or partners of partnership firms.

A. You can track your application online through Kotak’s official website using your application number and other required details.

A. No, private sector employees are not eligible. The card is exclusively for eligible METRO business members.

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