The bank gives you an exclusive option of transferring funds from your credit card account into any of the existing Kotak Mahindra bank accounts. Simply walk into the nearest banking branch with your credit card, provide a valid ID proof and request for a funds transfer by filling up the relevant forms. You can also log on to KotakCards.com to initiate a funds transfer online, by using your login credentials. The transfer can only be made into a Kotak bank account in your name.