Kotak Mahindra Bank Credit Card Customer Care
Official Kotak Mahindra Bank credit card helpline numbers, how to block a lost card, email and escalation to the RBI Ombudsman.
Checked 28 September 2026 · Source: www.kotak.bank.in, www.paisabazaar.comKotak Mahindra Bank credit card helpline numbers
| Service | Number |
|---|---|
| Credit card customer care | 1860 266 2666 |
| Kotak 811 credit card | 1860 266 0811 |
| Bank toll-free (banking needs & complaints) | 1800 4100 |
| From abroad (other countries) | +91 22 6600 6022 |
| USA toll-free | 1855 365 6767 |
| UK toll-free | 0080044990000 |
| Singapore toll-free | 8001013054 |
How to block a lost or stolen Kotak Mahindra Bank card
SMS ’CCLOST <last 4 digits>’ to 5676788 from registered mobile; Net Banking > Credit Card > Service Request > Report Lost Card; Mobile Banking > Credit Card > Service Request > Report Lost/Damaged card; or call 1860 266 2666
- Block instantlyApp / net banking card controls, SMS or IVR — whichever is fastest.
- Report unauthorised transactionsDispute each one with the bank within 3 working days for zero liability.
- File a police complaint if stolenCyber fraud: report at cybercrime.gov.in or call 1930.
- Request a replacementA new card number is issued; update auto-pays and saved cards.
Complaint & escalation path
- Customer careRaise the complaint by phone, email or app and note the reference number.
- Grievance / nodal officerEscalate through the bank’s grievance redressal page if unresolved.
- RBI Integrated OmbudsmanIf no reply in 30 days or you are unhappy with it, complain free at cms.rbi.org.in or call 14448.
Service timelines RBI requires
| Situation | Rule |
|---|---|
| Card closure request | Within 7 working days, else ₹500 per day compensation to you |
| Unsolicited card or upgrade billed | Charges reversed plus penalty of twice the amount |
| Credit balance above ₹5,000 / 1% of limit | Refunded to your bank account within 3 working days on request |
| Bureau correction after settlement | Within 30 days |
Fraud & your liability
- RBI circular ’Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions’, RBI/2017-18/15, DBR.No.Leg.BC.78/09.07.005/2017-18, dated 6 Jul 2017.
- Zero liability: (a) bank’s contributory fraud/negligence/deficiency, regardless of reporting; (b) third-party breach where customer notifies within 3 working days.
- Limited liability (third-party breach reported in 4–7 working days): lower of transaction value or cap — BSBD ₹5,000; savings/PPI/gift cards/small MSME ₹10,000; credit cards with limit up to ₹5 lakh and large business accounts ₹25,000.
- Reported beyond 7 working days: liability per bank’s board-approved policy.
- Shadow credit of disputed amount within 10 working days of notification; complaint resolved within 90 days; burden of proving customer liability lies on the bank.
Frequently asked questions
What is the Kotak Mahindra Bank credit card customer care number?
Credit card customer care: 1860 266 2666; Kotak 811 credit card: 1860 266 0811; Bank toll-free (banking needs & complaints): 1800 4100.
How do I block a lost Kotak Mahindra Bank credit card?
SMS ’CCLOST <last 4 digits>’ to 5676788 from registered mobile; Net Banking > Credit Card > Service Request > Report Lost Card; Mobile Banking > Credit Card > Service Request > Report Lost/Damaged card; or call 1860 266 2666
What if Kotak Mahindra Bank does not resolve my complaint?
Escalate to the bank’s grievance redressal/nodal officer. If there is no reply within 30 days or you are not satisfied, file a complaint with the RBI Integrated Ombudsman at cms.rbi.org.in (or call 14448).
Am I liable for fraudulent transactions?
Not if you report within 3 working days of being alerted (zero liability). Reporting within 4–7 working days caps liability at ₹25,000 for cards with limits up to ₹5 lakh. The bank must provisionally credit the amount within 10 working days.
Details compiled from Kotak Mahindra Bank’s official pages (www.kotak.bank.in, www.paisabazaar.com) and reputable sources on 28 September 2026. FinancePortal is not affiliated with Kotak Mahindra Bank; confirm on the issuer’s website.