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Whoever said wishes don’t come true hasn’t explored our offers!
  • Kotak Mahindra Bank Debit Card

    Debit Card
    • Make online transactions
    • Quick ATM withdrawals
    • Bonus points & gifts

    Overview of Kotak Mahindra Bank Debit Card:

    Kotak Mahindra Bank, with its headquarters in Mumbai, is the fourth biggest private sector bank in India in terms of market capitalization. This bank may be one of those that offer maximum customized and need-based debit cards to their clientele. Not only do they remove the need to take hard cash or cheques to handle funds or purchases, but they also come with several incredible perks. Let us see how in detail below.

    Types of Kotak Mahindra Debit Cards:

    1. Infinite Wealth Management
    2. Privy League Signature
    3. Privy League Platinum
    4. Access India
    5. Gold
    6. Classic
    7. Platinum
    8. Jifi Platinum
    9. Business Power
    10. Business Class
    11. RuPay

    Infinite Wealth Management:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Chip Card only and comes with extra safety aspects.
    • Enjoy three privileged access to select Indian airport lounges every calendar quarter.
    • Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world’s biggest airport lounge access program offered by any bank.
    • Round-the-clock VISA Concierge is available and Global Customer Assistance.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.

    Transaction limit per day: Shopping limit is INR 5 lacs and the same for withdrawing cash from ATMs is INR 4 lacs.

    Insurance Cover:

    Lost Card Accountability INR Five Lacs
    Purchase Cover Limit INR 1.5 Lacs
    Lost (or stolen) Luggage Insurance INR 1 Lac
    Air Accident Cover INR Five Crores

    Kotak Mahindra RuPay Debit Card:

    • Enjoy access to every Indian ATM with a RuPay logo
    • ATM money withdrawal upper limit for a day is INR 10,000
    • Personal Accident Cover of INR 1 lac and it also indemnifies accidental demise and complete and permanent impairment
    • SMS or email alert on your given mobile number and email id for each card transaction

    Privy League Signature:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Chip Card only and comes with extra safety aspects.
    • Enjoy two privileged access to select Indian airport lounges (Delhi, Chennai, Hyderabad & Bangalore) every calendar quarter.
    • Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world’s biggest airport lounge access program offered by any bank.
    • Additional fuel charges will be waived off (up to 2.5%) with every fuel purchase.
    • Round-the-clock VISA Concierge is available and Global Customer Assistance.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Transaction limit per day: Shopping limit is INR 4 lacs and the same for withdrawing cash from ATMs is INR 3 lacs.

    Insurance Cover:

    Accountability for Lost Card INR 4 Lacs
    Limit for your Purchase Cover INR 1.5 Lacs
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 1 Crore

    Privy League Platinum:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Chip Card only and comes with extra safety aspects.
    • Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world’s biggest airport lounge access program offered by any bank.
    • Additional fuel charges will be waived off (up to 2.5 percent) with every fuel purchase.
    • Round-the-clock VISA Concierge is available and Global Customer Assistance.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Transaction limit per day:

    Card Aspects Prima Magna
    Shopping Limit INR 2.5 Lacs INR 2.5 Lacs
    Limit to withdraw from ATM INR. 2 Lacs INR 2.5 Lacs

    Insurance Cover:

    Accountability for Lost Card INR 2.5 Lacs
    Limit for your Purchase Cover INR 1 Lac
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 2 Millions

    Kotak Mahindra Access India Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Magnetic Chip Card only.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.

    Transaction limit per day: Shopping limit is INR 1.5 lacs and the same for withdrawing cash from ATMs is INR 75,000.

    Insurance Cover:

    Accountability for Lost Card INR 1.5 Lacs
    Limit for your Purchase Cover INR 50,000

    Kotak Mahindra Gold Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Magnetic Strip as well as Chip Card with added protection.
    • Additional fuel charges will be waived off (up to 2.5 percent) with every fuel purchase.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Transaction limit per day: Shopping limit is INR 1.75 lacs and it is the same for withdrawing cash from ATMs too.

    Insurance Cover:

    Accountability for Lost Card INR 1.75 Lacs
    Limit for your Purchase Cover INR 75000
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 1.5 Million

    Kotak Mahindra Classic Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad

    Daily Fund Transaction Limit:

    Card Features Kotak Edge Kotak Pro Kotak Ace
    Shopping Limit INR 1.5 Lacs INR 1.5 Lacs INR 1.5 Lacs
    Withdrawing from ATM INR 50,000 INR 50,000 INR 75,000

    Insurance Cover:

    Accountability for Lost Card INR 1.5 Lacs
    Limit for your Purchase Cover INR 50,000

    Kotak Mahindra Platinum Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Chip Card only and comes with extra safety aspects.
    • Enjoy three privileged access to select Indian airport lounges (Delhi, Chennai, Hyderabad & Bangalore) every calendar quarter.
    • Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world’s biggest airport lounge access program offered by any bank.
    • Additional fuel charges will be waived off (up to 2.5 percent) with every fuel purchase.
    • Round-the-clock VISA Concierge is available and Global Customer Assistance.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Daily Fund Transaction Limit:

    Card Perks Kotak Edge Kotak Pro Kotak Ace
    Shopping Limit INR 2 Lacs INR 2 Lacs INR 2 Lacs
    Withdrawing from ATM INR 2 Lacs INR 50,000 INR 2 Lacs

    Insurance Cover:

    Accountability for Lost Card INR 2 Lacs
    Limit for your Purchase Cover INR 1 Lac
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 2 Millions

    Kotak Mahindra Jifi Platinum Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Chip Card only and comes with extra safety aspects.
    • Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world’s biggest airport lounge access program offered by any bank.
    • Round-the-clock VISA Concierge is available and Global Customer Assistance.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Transaction limit per day: Shopping limit is INR 2 lacs and it is the same for withdrawing cash from ATMs too.

    Insurance Cover:

    Accountability for Lost Card INR 2 Lacs
    Limit for your Purchase Cover INR 1 Lac
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 2 Millions

    Kotak Mahindra Business Power Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Chip Card only and comes with extra safety aspects.
    • Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world’s biggest airport lounge access program offered by any bank.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Transaction limit per day: Shopping limit is INR 2.5 lacs and the same for withdrawing cash from ATM is INR 2 lacs.

    Insurance Cover:

    Accountability for Lost Card INR 2.5 Lacs
    Limit for your Purchase Cover INR 1 Lac
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 2 Millions

    Kotak Mahindra Business Class Debit Card:

    • Gain access at every mercantile and ATMs that receive VISA cards globally.
    • Accessible as Magnetic Strip as well as Chip Card with added protection.
    • Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
    • Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

    Daily Fund Transaction Limit:

    Card Features Kotak Edge Kotak Pro
    Shopping Limit INR 1.75 Lacs INR 1.75 Lacs
    Withdrawing from ATM INR 50,000 INR 50,000

    Insurance Cover:

    Accountability for Lost Card INR 1.75 Lacs
    Limit for your Purchase Cover INR 1 Lac
    Lost Luggage Protection INR 1 Lac
    Air Accident Indemnification INR 2 Millions

    Kotak Mahindra Debit Card Offers:

    • Every Kotak Mahindra Debit Card offers unique discounts on special days such as Mother’s Day, National Holidays, Raksha Bandha and more.
    • You also get great rebates and incredible offers from partner companies like Goibibo, pepperfry, agoda.com, Big Basket, YepMe, MakeMyTrip and more.

    Kotak Mahindra Bank Debit Card

    Kotak World Debit Card

    • Customers can receive special MasterCard rates or privileged access to some of the best golf courses.
    • Kotak World Debit Card holders also have access to airport lounges across the country.
    • When customers purchase fuel at all stations across India, they save more with the Fuel Surcharge waiver offered by the card. A fuel surcharge waiver of 2.5% is given on purchases that amount to Rs.20,000 in a month. It should be noted that the fuel surcharge will be levied when the fuel is bought, but will be refunded during the following month.
    • Customers can use the card to make online payments. Additional security features of the card include a One-Time Authorisation Code (OTAC) that is sent for every transaction to the registered mobile number and email ID of the customer.
    • The Kotak World Debit Card also offers special discounts and deals at various retail outlets.
    • This is a chip card, providing increased transaction security. All debit cards that are chip-enabled can be used internationally as well.

    Daily Fund Transaction Limit:

    Card Features Maximum amount
    Shopping Limit Rs.2,50,000
    Withdrawing from ATM Rs.2,00,000

    Insurance Cover:

    Accountability for Lost Card Rs.2,00,000
    Limit for your Purchase Cover* Rs.1,00,000
    Air Accident Insurance Rs.20,00,000

    * All items bought with the Kotak World Debit Card are protected against fire, housebreaking, and burglary for up to 60 days from the purchase date.

    Classic One Debit Card

    • The Classic One Debit Card provides customers access to great discounts and deals at various retail stores and for online purchases.
    • Customers can also benefit from SMS alerts on their mobile phones for all transactions that were done using the card.
    • The Classic One Debit Card can only be used in India.

    Daily Fund Transaction Limit:

    Card Features Maximum amount
    Shopping Limit Rs.10,000
    Withdrawing from ATM Rs.10,000

    FAQs:

    1. Can I use my Kotak Mahindra Debit Card for global transactions?

    All Chip Debit Cards are by norm designed for national as well as overseas use. Every (Non Chip) Debit Cards distributed prior to 1st December 2013 are made for global use and those fashioned after that cannot be utilized outside India.

    2. In case I forget my PIN, how do I regenerate it?

    You can restore your 6-digit Debit Card PIN by 2 simple means:

    • Log in to internet banking at www.kotak.com or log in to Kotak Mobile Banking App
    • Call their 24 hours Customer Service Centre and they will guide you on regenerating the PIN.

    3. What is the eligibility benchmark to get Personal Accident Cover on my RuPay Debit Card?

    The claim as per the Accidental Demise and/ or Permanent Disability must be owed only if the RuPay card user has performed at least one effective purchase (Point of Sale) at a mercantile or at ATM.

    4. What can I do if I mislay my Kotak Debit Card abroad?

    To notify bank the loss of your Kotak Debit Card, you can call the given numbers below and block the card.

    1. USA - 1855 365 6767
    1. AUSTRALIA - 001180044990000
    1. HONG KONG - 00180044990000
    1. UK - 0080044990000
    1. CANADA - 18557684020
    1. SINGAPORE - 8001013054

    5. How can I use the Temporary Block facility?

    In case you misplace your Kotak debit card at home, office, or anywhere else that you think you can easily find it from, then you can use the Temporary Block facility on the bank’s Net Banking portal. This feature works in real time and allows you to block the card temporarily. When you find your card, you can unblock it, as per your convenience. If you are unable to retrieve your card, you can contact the bank and permanently block the debit card.

    6. What is a Chip card?

    A Kotak debit card with a microchip embedded on the plastic is called a Chip card. This type of card is difficult to tamper with, and it provides increased security to your transactions. You can request for a Chip Kotak debit card through any of the following routes:

    • Log in to Kotak Net Banking facility. Click on ‘Banking’. Select ‘Debit Cards’, and click on ‘New Debit Card’.
    • Call the 24 hour Customer Care Centre of the bank at 1860 266 2666.
    • Visit the nearest branch of Kotak Mahindra Bank.

    7. Is it possible for me to change the daily ATM withdrawal and purchase limits of my Kotak debit card?

    Yes, this is possible. You should call the 24 hour Customer Care Centre at 1860 266 2666 for modifying the limits, so that it reflects the default limits. In order to increase the default limits, you should visit the nearest branch of Kotak Mahindra Bank.

    8. What is the transaction fee for swiping my Kotak debit card at fuel pumps and for booking railway tickets?

    When you use your Kotak debit card, the following transaction charges are applicable:

    • At fuel stations - Rs.10 or 2.5% of the transaction amount, whichever is greater.
    • Railway ticket booking at IRCTC - Up to 1.8% Payment Gateway charges.

    9. When does the fuel surcharge waiver take effect?

    For qualifying transactions done in a calendar month using eligible Kotak debit cards, the fuel surcharge is reimbursed by the 12th of the next month.

    10. My Kotak debit card has been stolen. What are the next steps?

    In case your Kotak debit card is stolen, lost, or damaged, you should immediately get it blocked in any of the following ways:

    • Log in to the Net Banking portal and request for the card to be blocked.
    • Call the 24 hour Customer Contact Centre of the bank at 1860 266 2666 and raise a request.
    • Using the SMS facility, SMS DCBLOCK XXXX, where XXXX is the last four digits of your Kotak debit card number.
    • Visit the nearest branch of Kotak Mahindra Bank and place a request.

    News about Kotak Mahindra Bank Debit Card

    • Kotak Mahindra Bank to launch debit cards for zero-balance accounts

      Kotak Mahindra Bank announced that they will be offering debit cards for zero-balance accounts at a special price of Rs.99 and have called it 811. According to the bank, The usual annual fee for debit card procured by 811 account holders (zero balance) is Rs 299. The name 811, inspired by November 8, 2016, decision of demonetisation, allows customers to open a zero balance account using the bank's mobile application. To mark the 70th anniversary of country's independence, the special edition debit card will be available to customers who open an 811 account from August 8, 2017 to September 15, 2017, the bank said in a statement.

      9th August 2017

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