• Kotak Mahindra Classic Debit Card

     4.0 / 5.0   by 25 users
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    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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

    As times change, so do the needs of the people. Early man has transacted with the help of the barter system, money lenders and other cumbersome ways of transacting. It was only in the late 1970’s that debit cards have come into existence but ever since, have made the life of the common man simpler to an unimaginable extent. With the convenience and simplicity they offer, debit cards have now become an indispensable part of our life. Offering the same benefits to its customers is Kotak Mahindra, one of the leading financial institutions in India. Among the array of debit cards offered by the bank to suit different financial needs, they also offer the all-round Classic debit card. This unique debit card has been customized to offer the most exclusive advantages, benefits, deals, discounts, offers and more. Keeping your fast paced lifestyle in mind, this card makes it extremely easy and safe to transact. The Kotak Classic is a feature rich debit card which offers a range of benefits for a string of lifestyle verticals like travel, shopping, fuel, wellness, health, dining and much more. Also, you get to enjoy high transaction limits and complimentary insurance cover.

    Features & Benefits of Classic Debit Card - Kotak Mahindra

    1. Chip and Magnetic Stripe Based Card for Greater Security – The Kotak Classic debit card is available not only in a Magnetic Stripe variant but also in a Chip based variant. Both these safety features help facilitate secure transactions and purchases, whether done at ATMs or at POS terminals.
    2. Timely SMS Alerts – With card misuse related events taking place every now and then, it has become more important than ever to keep track of one’s account related activity. With the Kotak Debit Card, it has now become easy to do so. You will receive timely email and SMS alerts for every transaction that is carried out with your Classic debit card so you can not only keep an eye on your transactions history and related details but also be duly notified in case any fraudulent activity occurs.
    3. Avail Exciting Offers & Discounts – As a Classic Debit Card holder, you are privy to a world of offers, discounts, deals and much more on a spectrum of categories like dining, apparel, lifestyle, travel, wellness, health, fitness and much more. Avail offers from some of the best selling renowned brands and retailers like Samsung, Urban Ladder, Pepperfry, INOX Cinemas, Freecharge, Cleartrip, ZoomCar, Kenneth Cole, GoIbibo, National Geographic and many more.
    4. Enhanced Protection With Insurance Covers – As a Classic debit card holder, you are entitled to complimentary insurance covers for enhanced transaction safety. This card comes with Lost Card Liability Cover worth up to Rs 1,50,000 and Purchase Protection Limit worth up to Rs 50,000.
    5. Widely Accepted – The Kotak Mahindra Classic Debit Card is widely accepted not only at national and international merchant locations for POS transactions but also at ATM worldwide in India and abroad. Carry out transactions with ease wherever you go.
    6. Global Customer Assistance Service (GCAS) - The Kotak Classic debit card also provides you with exclusive access to avail the services of the 24 hours Visa Global Customer Assistance Service. You may contact the customer assistance service can be contacted any time if you wish to report the loss or theft of your Visa debit card, need an emergency debit card replacement or want to make any other miscellaneous car related queries.
    7. Daily High Transaction Limits – Enjoy high transactions limits on your Classic debit card like never before. The different variants of the Class Debit Card have varying transaction limits as follows:
    Transaction Kotak Edge Kotak Pro Kotak Ace
    Purchase Limit Rs 1,50,000 Rs 1,50,000 Rs 1,50,000
    ATM Withdrawal Rs 50,000 Rs 50,000 Rs 75,000

    Eligibility for Kotak Mahindra Classic Debit Card

    The Kotak Classic is a unique debit card offering multiple benefits and is offered to select Kotak Mahindra account holders. Currently this card has been made available for residents customers holding Savings Accounts (except customers holding Easy accounts)and non-resident customers holding NRE Savings Accounts with the bank.

    Fees & Charges : Kotak Mahindra Classic Debit Card:

    Issuance Charge Rs 100
    Annual Charge – Primary Card Rs 150
    Annual Charge – Add-on Card Rs 250
    Cash withdrawal/Balance Enquiry at own ATM Free of charge
    Withdrawal/Balance Enquiry at non-bank ATM Cash withdrawal – Rs 20; Bal. Enquiry – Rs 8.50
    Cash Withdrawal – International ATM Rs 150 / per transaction
    Bal. Enquiry – International ATM Rs 25 / per transaction
    Visa Global Assist Charges USD 5
    Visa Global Assist Charges – Lost Card USD 35
    Transaction Declined at non-bank ATM – Insufficient Funds Rs 25 / per transaction

    Classic Debit Card FAQ

    1. When will the fuel surcharge waiver reflect in my Kotak bank account?

      For all debit cards which are eligible to receive a fuel surcharge waiver, the same will be reversed from your bank account by the 12th of the following month.

    2. Is there any surcharge fee applicable if I purchase fuel or make an IRCTC transaction with my Classic debit card?

      Yes, a transaction charge at the rate of Rs 10 or 2.5% will be levied on the purchase of fuel. For IRCTC bookings, a Payment Gateway charge at the rate of 1.8% will be levied.

    3. Can I change the daily withdrawal and purchase limits on my Classic Debit Card?

      Yes, you can easily change or enhance the transactions limits on your debit by simply calling the customer care center at the bank and placing a request for the same.

    4. Can I use my Classic debit card for making purchases overseas?

      Yes, the Kotak Classic is a Chip based debit card and is enabled for international use (ATM transactions and POS transactions) by default.

    5. What is meant by Lost Card Liability Cover?

      Lost Card Liability cover basically protects you in case your card is lost and subsequently misused or used for fraudulent transactions. The insurance cover will protect you from any liability , up to a certain amount, which may arise from the fraudulent use of your card.

    6. What do I do if I lose my debit card while travelling overseas?

      You must immediately report the loss at the toll free number to block your card to prevent any misuse. You may also do so by calling the Visa Global customer Assistance Service for the same.

    7. Is there any cross-currency mark-up charged on this debit card?

      Yes, a cross currency mark-up at the rate of 3.5% is chargeable on all foreign currency transactions carried out on this debit card.

    Kotak Mahindra Classic Debit Card Reviews

  • Page 1 of 2 1 2
    • Kotak Debit Card
      "Good Bank"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have a Kotak Bank i opened through Online portal. It is Very Easy to Open .Zero Rupees Charges.I ordered for a Debit card of kotak bank i got it delivered.Kotak App is Very User Friendly to Everyone.Zero balance maintain No Extra Charges..Quite Good App
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Kotak Debit Card
      "Decent Credit Card"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have a Salary account with them and the bank has offered a complimentary Credit card on the basis of this account. They have given me a Credit Limit of Rs.2.5 Lakhs, which I felt is quite a good one to have. One thing which let me down over here is their high interest rate. Also an added advantage is, they have good reward points system available with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • Kotak Debit Card
      "Good"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I am using domestic debit card of Kotak Mahindra Bank. The daily withdrawal limit was 25,000 rupees which was satisfactory. I am using this debit card for the last six months. There is no charge for other ATM swipe. ATM facilities are good and enough.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 04, 2018
    • Kotak Debit Card
      "Good service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      Within 4days of time I got the car loan from Kotak Mahindra bank. The customer support is good with Kotak mahindra bank. The rate of interest which they have offered was low, when compared with other banks. The required loan amount has been disbursed and I am happy with it.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2017
    • Kotak Debit Card
      "Kotak Mahindra Bank Fraud Services"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      Kotak Mahindra Bank has **fraud banking services**. Rs. 800+ charge for other ATM Withdraws. 10000+ Charge for not maintaining minimum balance. 1000+ for delayed credit card payments. One Purchase = Service Tax+Conversion Charge+Interest Charge+Actual MRPâ?¦. **Close all your accounts** of Kotak Mahindra Bankâ?¦
      Was this review helpful? 18
      , bangalore
      Reviewed on Apr 06, 2017
    • Kotak Debit Card
      "GOOD BANK BEST SERVICES GOOD JOB NICEBANK GOODRELATIONSHIP "
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      SUPPORTING WITH A MINIMUM WORKING TIME BANK QUICK DESISION WONDERFUL JOB GOOD PROVIDED BY OTHER BANKS LIKE ICICI, HDFC , IDBI , AXIS AND MORE NATIONALIZED BANKS FUTURE GOOD BANK MANAGMENT GOOD ALSO SUPPORT AND THANKS TO ALL THEY ARE HELPING PEOPLE THANK YOU AGAIN..
      Was this review helpful? 9
      , vadodara
      Reviewed on Mar 26, 2017
    • Kotak Debit Card
      "Share a experience with Kotak Mahindra Bank on line service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I like Kotak Mahindra Bank because this bank replied fast comparing with another bank.The process was comleted process on line with in a five minute.its pleasant experience when compared with other bank services I like Kotak than another private sector banks.
      Was this review helpful? 14
      , ahmedabad
      Reviewed on Mar 25, 2017
    • Kotak Debit Card
      "zero use for kotak rupay debit card"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      i applied for a kotak mahindra rupay debit card after surrendering my existing visa debit card. firstly for some strange reason kotak doesnt allow rupay debit card as a addon card to my existing visa card. hence they automatically blocked my visa debit card on applying for rupay card. next i tried using the kotak rupay debit card on various POS terminals and online transactions. but it was declined everytime. later i got to know that they mention that it cant be used online. but there is no mention of non usage at POS too. after i tried it at around 20-30 machines i wrote them an email. to which they replied that there rupay card is not enabled for POS yet. and its not happening anytime soon. WHILE OTHER BANKS' RUPAY CARD WORKS EASILY ONLINE AS WELL AS AT POS, KOTAK CHOSES NOT TO ENABLE THESE. this card is only usefull for taking out cash from atm and that too only 10000. i was left bitterly dissapointed and have finally blocked it for reissue of visa debit card.
      Was this review helpful? 16
      , new delhi
      Reviewed on Mar 09, 2017
    • Kotak Debit Card
      "Very Poor service - Dont go for it - i am frustrated ."
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      Deducted money, I tried to communicate with them, but I didnt get any response. having many features of KOTAK bank is not good when it comes to customer service. Do not open your account in Kotak bank they will not give you service. I am frustrated with Kotak bank. Very bad feelings.
      Was this review helpful? 26
      , pune
      Reviewed on Dec 15, 2016
    • Kotak Debit Card
      "Make False Offer"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      I'm a Kotak Platina Salary account holder which comes with a Kotak Platinum Debit Card. The Platinum Card holders has no withdrawal limit from Kotak and Non-Kotak ATM in india. Everything was going fine for last 1.5 year. I have been happily withdrawing cash around 10-15 times a month from Non-Kotak ATM. Suddenly they charged me with some CW Fee. Querying on that, I get to know that they downgraded my account upto five ATM transaction/Month. The reason of downgrading my account is many number of withdrawal of 300-400 INR. But still they are showing in the charges page the same unlimited Kotak and non-Kotak transaction. The link of the charges page is : http://www.kotak.com/service-charges.html
      Was this review helpful? 16
      , bangalore
      Reviewed on Dec 10, 2016
    • Kotak Debit Card
      "Good overall"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I am happy with the services and response I received from Kotak Mahindra Bank for the debit card application. They contacted me and informed me all the details and the procedure as well. Since I went ahead with another bank, I cancelled my application with them. I do not wish to comment on the charges.
      Was this review helpful? 6
      , mumbai
      Reviewed on Dec 05, 2016
    • Kotak Debit Card
      "KOTAK MAHINDRA CLASSIC DEBIT CARD"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I never new applying for KOTAK MAHINDRA CLASSIC DEBIT CARD will be so easy. Awaiting to open an account with KOTAK MAHINDRA & get the best previlages offered better than other banks. KOTAK BANK is doing well compared to other banks with Customer service. I have heard of the bank quite some time & eagerly waiting to have an account with KOTAK MAHINDRA.
      Was this review helpful? 8
      , bangalore
      Reviewed on Nov 30, 2016
    • Kotak Debit Card
      "Very use ful site, Its very easy-to-use site Bank Bazaar i l"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      Very easy applying Very use ful site, Its very easy-to-use site Bank Bazaar i like it. Bank bazar is giving me too awesome offers and I would like to use all offers. I will tell about this to my relatives and my families and also my friends and I hope bank bazaar is giving us more offers in future. So, thanking you for this great offers..
      Was this review helpful? 11
      , indore
      Reviewed on Oct 26, 2016
    • Kotak Debit Card
      "Application for debit card"
      KOTAK MAHINDRA BANK
      0.5 4.5/5 "Excellent!"
      Excellent experience on line debit card application filling application. I am not experiencing any google service it is excellent so we can purchase all in one place with our debit card so I am very much assured to open account in any bank in our computer & use any places in india so my request to all dont miss this opportunity.
      Was this review helpful? 8
      , chennai
      Reviewed on Oct 12, 2016
    • Kotak Debit Card
      "Good service "
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      They are require a minimum balance of 10000Rs in the account.The service provided was good with Kotak Mahindra based on the saving account maintenance.They have responded on time for the application.They have taken around 5days to respond for the application
      Was this review helpful? 61
      , nagpur
      Reviewed on Jan 28, 2016
    • Kotak Debit Card
      "Wonderful service "
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have opened and commercial account with Axis Bank so I was not requiring this saving account with Kotak Mahindra.The service provided by Kotak Mahindra was very good in account maintenance.They have provided wonderful service to the customer and the rates applied was around 9%.
      Was this review helpful? 18
      , pune
      Reviewed on Jan 14, 2016
    • Kotak Debit Card
      "Good bank"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I had my address proof which was not belonging to my personal address .The customer service provided was all good with Kotak Mahindra.They have to improve on the terms and conditions applied by Kotak.They have to works on the proofs required because all customer will not have the required proofs.
      Was this review helpful? 15
      , new delhi
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Need immediate response!"
      KOTAK MAHINDRA BANK
      0.5 2.0/5 "Expected more"
      Once I applied for a debit card with Kotak Mahindra bank, there was a delay in the response from the executives. But after 6 days they made a call to me and I am not able to respond to them properly. And as the online executive told me there are good offers on the debit card, I opted to take the debit card with them.
      Was this review helpful? 12
      , mumbai
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Good debit card feature"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      The response was good from kotak mahindra when i applied for the debit card and they gave all the details about the product. The debit card feature are good compare to other banks. I was not available in the station so the application was closed.
      Was this review helpful? 5
      , chandigarh
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Good "
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have postponed the process of getting the debit card with the Kotak Mahindra Bank. Services and the follow up were good with them and I requested the executives to call back me after pongal. Response is immediate with them.
      Was this review helpful? 5
      , vijayawada
      Reviewed on Jan 13, 2016
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