Essentia Platinum Credit Card – the smart shopper’s option

Shop smart with Essentia Platinum Credit Card and save 10% on all Departmental & Grocery Store spends. On your first swipe, you can get 2 BookMyShow vouchers. The Kotak Essentia Platinum Credit Card issued by Kotak Mahindra Bank is designed to keep the smart shopper in mind. With this Credit Card, you earn Savings Points on all your essential purchases.
These points can be redeemed whenever you want on all the special things you want to buy or experience.

Essentia Platinum Credit Card

Essentia Platinum Credit Card Benefits

  • Firstly, offers Departmental and Grocery Stores; Earnings of 10 Saving Points for every Rs. 100 spent
  • Secondly, other Categories; Earnings of 1 Saving Points for every Rs. 250 spent
  • Thirdly, as you spend Rs. 1, 25,000 every 6 months, you get 6 free PVR tickets Or 1200 Reward Points
  • Fourthly, there’s Saving Point = Re 1/-
  • Also, it’s Maximum Savings Point – 500/month
  • Next, cardholders get Redemption against Airline tickets / Merchandise / Mobile recharge, Savings Points need to be converted to EasyPoints. 1 Saving Point = 2 Easy Points.
  • Plus, a world of offers!

Essentia Platinum Credit Card Fees/Rates

  • Annual Fee – Rs 749
  • Joining Fee – Rs 1499
  • Card Lost Shielding – NA
  • Addon Card Fee – Rs. 299
  • Interest Charges on Outstanding Balances – 3.50% (Annualized 42%)
  • ATM Withdrawal Fee – Rs. 300
  • Late Payment Charges – Rs. 100 for statement o/s less than or equal to Rs. 500. Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000. Rs 700 for statement o/s greater than Rs. 10,000.
  • Over Limit Charge – Rs. 500.

How to Apply for Essentia Platinum Credit Card

Eligibility Criteria

  • Income Eligibility – 5Lakh and above
  • The primary cardholder must be in the age bracket of 21 years to 65 years. Add-on cardholder should be at least 18 years
  • Locations covered – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi ( including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune
  • Income required; Rs.5 Lakhs and above per annum
  • Intending applicant should be a resident of India.

How to Apply

  • Scroll to Kotak Mahindra Bank Ltd. application page
  • Once you are on the application page, key in the following details; Name, Mobile Number, Email, City.
  • Enter CRN (Optional)
  • Click on the “Apply Now” button.

How to Activate Essentia Platinum Credit Card

To activate your newly acquired Essentia Platinum credit card;

  • Sign in to your net banking account using your credentials
  • Scroll to the “Credit Cards” button and select the “Change PIN” option
  • Key in your desired 6-digit chip credit card PIN, and tap on the “Submit” option
  • Once you successfully generate your new credit card PIN, you’ll get a confirmation SMS to your registered phone number by Kotak Mahindra Bank.

How to Login Essentia Platinum Credit Card

To login and get access to your account,

  • Firstly, scroll to Kotak Mahindra Bank Ltd Main page
  • Secondly, key in your CRN / Customer ID or Nickname
  • Thirdly, key in your Password
  • Fourthly, click on the “Secure Login” link.

How to Recover CRN/Customer ID or Password

CRN/Customer ID

  • Firstly, scroll to Kotak Mahindra Bank Main page
  • Secondly, key in your existing CIF/Customer ID
  • Thirdly, verify Code
  • Lastly, tap on the “Submit” link.


  • Scroll to Kotak Mahindra Bank Ltd Main page
  • Key in your CRN/Customer ID
  • Key in your password
  • Enter the text shown to you above
  • Agree to the Terms and Conditions
  • Click on the “Continue” button.

How to Make Essentia Platinum Credit Cards Bill Payment

  • Scroll to Kotak bill desk
  • Enter your Kotak CARD No (16 digits)
  • Re-enter Kotak CARD No
  • Enter your Email
  • Contact Number
  • Key in the Payment Amount (Rs)
  • Pay From (Select Your Bank).

Essentia Platinum Credit Card Customer Service

  • Call: 1860-266-2666 or, 1860-266-0811, to gain access to a customer care agent.

About Vita Plux

I am a health specialist. I deal with supplement and vitamins and mineral. I will be giving you solutions to diet and weight lost issues, the right protein shakes, vitamins and multivitamins to keep slim, young and healthy. I will be bringing solutions to questions like; What is the right supplement with magnesium? Are supplements bad for you? Can iron supplements cause diarrhea? The right multivitamins for women? Which multivitamins are the best? Are multivitamins vegan? And Lots more. Join me as we solve these health issues with easy.

View all posts by Vita Plux →