Kotak Mahindra Bank Credit Cards, Loans & Savings Accounts 2026
This page brings together every Kotak Mahindra Bank product we track — 1 credit cards, 3 loans, 1 savings accounts. Use it to see how Kotak Mahindra Bank's interest rates, fees and eligibility stack up before you visit the bank's official website.
Kotak Mahindra Bank Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| Kotak Royale Signature | ₹999 + GST | Travel & Entertainment | 4.3 |
Kotak Mahindra Bank Personal loans
Kotak Mahindra Bank Personal Loan
- Interest Rate
- 10.99% - 16.00%
- Loan Amount
- ₹50,000 - ₹50,00,000
- Tenure
- 12 - 60 months
- Processing Fee
- Up to 2.50%
Kotak's standout feature is zero pre-closure penalty after just 12 months, giving you real flexibility to pay off early. The ₹50 Lakh maximum loan amount is among the highest available in personal loans. Best for Kotak salary account holders who benefit from faster approval and potentially lower negotiated rates.
Kotak Mahindra Bank Home loans
Kotak Mahindra Home Loan Home Loan
- Interest Rate
- 8.65% - 9.90%
- Loan Amount
- Up to ₹5 Crore
- Tenure
- Up to 25 years
- Processing Fee
- 0.50% + GST
Kotak's fully paperless digital application process makes it the most convenient option for tech-savvy borrowers today. Instant eligibility check online saves you from unnecessary branch visits and paperwork. No hidden charges and a transparent fee structure build trust, especially important for first-time home buyers.
Kotak Mahindra Bank Car loans
Kotak Mahindra Bank Car Loan
- Interest Rate
- 8.75% - 11.00%
- Loan Amount
- Up to 90% On-road
- Tenure
- 12 - 84 months
- Processing Fee
- ₹3,000 to ₹5,000
Kotak's competitive rates starting at 8.75% and a fully digital application process make it a convenient choice. The part-prepayment facility lets you reduce your principal anytime without closing the entire loan. Best for existing Kotak account holders who benefit from faster approvals and better rate negotiations.
Kotak Mahindra Bank Savings accounts
Kotak 811 — Digital Zero Balance
- Interest Rate
- 3.50% - 4.00%
- Min Balance
- Zero Balance
- Best For
- Zero Balance & Digital Users
Kotak Mahindra Bank: frequently asked questions
Which is the best Kotak Mahindra Bank credit card?
Among the 1 Kotak Mahindra Bank cards we review, the Kotak Royale Signature has our highest rating (4.3/5) and is best for travel & entertainment. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does Kotak Mahindra Bank offer a lifetime free credit card?
None of the Kotak Mahindra Bank cards we track are lifetime free, but most offer an annual fee waiver when you reach a yearly spend target.
What is the Kotak Mahindra Bank personal loan interest rate?
Kotak Mahindra Bank personal loans are offered at 10.99% - 16.00% per annum for amounts of ₹50,000 - ₹50,00,000 and tenures of 12 - 60 months. The processing fee is Up to 2.50%. Your exact rate depends on your credit score, income and employer.
What is the Kotak Mahindra Bank home loan interest rate?
Kotak Mahindra Home Loan home loans are offered at 8.65% - 9.90% per annum, with tenures up to 25 years and a processing fee of 0.50% + GST.
What is the Kotak Mahindra Bank car loan interest rate?
Kotak Mahindra Bank car loans are available at 8.75% - 11.00% per annum, funding up to 90% on-road price for 12 - 84 months.
What is the Kotak Mahindra Bank savings account interest rate?
The Kotak Mahindra Bank Digital Zero Balance account pays 3.50% - 4.00% interest, with a minimum balance requirement of Zero Balance.