I usually prefer using UPI for most of my payments since it’s quick and hassle-free. But I’m not sure if Kotak allows credit card bill payments through UPI. If it does, which apps support it? Do I need to enter my credit card number somewhere, or is there a specific Kotak UPI ID for payments? Also, are there any transaction limits or extra charges I should be aware of?
Yes, you can pay your Kotak credit card bill via UPI, and it’s actually one of the easiest ways to do it. I’ve done this a few times when I was running late on my payment, and it worked seamlessly.
Here’s how you can do it:
- Open any UPI app (Google Pay, PhonePe, Paytm, BHIM, etc.).
- Choose the “Bill Payments” option (if available).
- Select “Credit Card Bill Payment” and search for Kotak Mahindra Bank.
- Enter your Kotak credit card number as the bill reference.
- Confirm the details and pay via UPI.
Alternatively, if your UPI app doesn’t have a bill payment option, you can pay using Kotak’s official UPI ID for credit card payments:
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The format is usually CC.Kotak@Kotak (but confirm this from the Kotak website or app).
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Simply send the money using this UPI ID, mentioning your credit card number in the remarks.
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No extra charges for UPI payments.
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Some UPI apps may have a daily transaction limit of ₹1 lakh, so if your bill is higher, you might need to split it into multiple transactions or use a different payment method.
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Payments via UPI take up to 24 hours to reflect, so don’t wait till the last minute.
Pro Tip: Set a reminder for your due date or enable auto-pay in Kotak Net Banking to avoid any late fees. UPI is great for quick payments, but for high-value bills, Net Banking or Kotak’s mobile app might be a safer bet.