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  • Kotak Mahindra Platinum 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

    Overview of Kotak Mahindra Platinum Debit Card

    Find yourself surrounded with a world of exclusive privileges with your Kotak Mahindra Platinum Debit Card. Designed especially for Kotak Mahindra customers, this debit card carries a host of special benefits and features which make it on of the most popular debit cards. Kotak Mahindra is one of the largest banking companies in India which enjoys a widespread nationwide presence. Than bank offers an extensive array of financial products and services spanning across several verticals like accounts, loans, deposit, wealth management, debit cards and much more.

    Features & Benefits of Platinum Debit Card - Kotak Mahindra

    There is a multitude of benefits and features which the Kotak Mahindra Debit Card has to offer. Here are just a few:

    • High Transaction Limits – Enjoy high transaction limits for purchases and ATM withdrawals with your Platinum debit card. For purchases, this card allows a daily limit of Rs 2,00,000 (for Kotak Edge, Kotak Pro and Kotak Ace customers). For ATM withdrawals, the card carries daily limits of Rs 2,00,000 (for Kotak Ace customers) and Rs 50,000 (for Kotak Edge and Kotak Pro customers).
    • Fuel Surcharge Waiver – With the rising prices of fuel, it has turned into one of the major monthly expense. With your Platinum debit card, you have a chance to save on fuel as the card allows a waiver on fuel surcharge which is levied at the rate of 2.5%. Fuel surcharge waiver can be earned while refueling at any petrol station located across India.
    • Complimentary Insurance Cover – Stay protected wherever you go, with your Platinum debit card. This card offers you complimentary Air accident insurance cover up to Rs 20,00,000 ad Lost Baggage Insurance up to Rs 1,0,000.
    • Purchase Protection – In case the goods that have been purchased using your debit card are stolen or lost within a specified period from the date of purchase, your Platinum debit card will cover you for an amount of up to Rs 1,00,000 under Purchase Protection Cover, for the loss of the purchased goods.
    • Lost Card Liability – To further add a layer of protection to your transactions, the Platinum debit card features Lost Card Liability, which basically protects you and your funds in case your debit card has been lost or stolen and could be misused. With Lost Card Liability, the bank covers you for any loss up to the amount of Rs 2,00,000 which may be caused due t misuse of your debit card following its loss.
    • Chip Based Cards For Better Security – The Platinum debit card is a Chip based card which allows you greater security, be it for transaction online or at merchant locations. Each transaction is secure.
    • Priority Pass Access – Travel is all about discovering new places. You’re your Platinum debit card, you can now do so in comfort and stress free. As a Platinum debit card holder, you are eligible to apply for the Priority Pass program, the world’s largest airport access program which allows you lounge access at some of the finest and most luxurious airports across 400 cities and 120 nations across the world.
    • Enjoy Exclusive Discounts – With the Platinum debit card, you are privy to some of he most exciting and attractive deals, discounts, offers and more at merchant locations and also for online shopping. These offers span across various lifestyle verticals like travelling, shopping, wellness, health care, dining, and other such activities.
    • Visa Global Customer Assistance Service (GCAS) – The nature of life is such that it uncertainty follows us everywhere. Accidents, thefts, and mishaps can happen anytime and anywhere, whether we may be at home or travelling. However, as a Platinum debit card holder, you can rest assured that you are protected from any of this. The 24 hour Visa Global Customer Assistance Service (GCAS) is at your service round the clock if you need to report the loss of a stolen lost card, are in need of an Emergency Card Replacement or wish to resolve any debit card related query.

    Eligibility for Kotak Mahindra Platinum Debit Card

    The Kotak Mahindra Platinum debit card is specially designed to bring the best of convenience and offers to the card holders. This debit card is available to select Kotak Mahindra customers, namely resident Indians who hold a Kotak Mahindra Savings Account and Non-resident Indians who hold a Kotak Mahindra NRE Savings Account.

    Fees & Charges for Kotak Platinum Debit Card

    The Platinum Debit Card is one of the most popular debit cards which also carries nominal fees, making it also one of the most affordable yet feature rich debit cards. Some of the main charges and fee associated with the Platinum debit card are as follows:

    Particulars Charge
    Issuance Charge Free of charge (for Kotak Ace, Pro and Edge customers; Rs 50 (standard charges)
    Annual Charge (primary card) Free for first year and Rs 250 thereafter (for Kotak Pro customers); Free of charge (for Kotak Ace customers); Rs 750 (standard charges)

    Platinum Debit Card FAQ

    1. Is there a cross currency mark up fee which will be levied on foreign currency transactions?

      Yes, a cross-currency mark-up fee at the rate of 3.5% will be levied on all foreign currency transactions done via the debit card.

    2. If I want to make a claim on Purchase Protection for a purchase made using my Platinum debit card what documents am I required to submit?

      In case you wish to make a claim on your purchases done using your Platinum debit card under the Purchase Protection, then you will be required to submit the following documents at your nearest Kotak Mahindra branch:

      • Original invoice of the stolen/lost items stating their price or value.
      • Cost of replacement or cost of repair of the stolen / missing goods.
      • Final Police Report
      • An FIR (First Information Report), if filed or any document stating Police Acknowledgement on the matter.
    3. What documents must I submit if I want to make a claim on Air Accident Insurance as provided by my Platinum debit card?

      In order to file a claim on Air Accident Insurance, the card holder will be required to submit the following documents at their nearest Kotak Mahindra branch:

      • Copy of the debit card statement stating the purchase of airline ticket.
      • If a death has taken place in a hospital, then an original death summary must be provided from the concerned hospital.
      • If the death has taken place in a hospital, then a copy of the death certificate must be procured from the hospital authorities or treating doctor.
      • A copy of the FIR (first information report) from the police department or a copy of the medico-legal certificate (in case the death has occurred in a hospital).
      • A copy of the post-mortem exam report, if the death has occurred in a hospital.
      • All relevant treatment documents (if the death has taken place in a hospital) or a certificate from the treating doctor providing the details of the injuries sustained (the how, when and where of the injuries sustained).
      • If the claim is being made for the death of the principal insured, then a copy of the legal heir certificate must be provided.

    GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

    Kotak Mahindra Platinum 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? 19
      , 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? 10
      , 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? 10
      , 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? 6
      , 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? 33
      , 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? 14
      , 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? 18
      , 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? 23
      , 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? 30
      , 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? 24
      , 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? 10
      , 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? 9
      , 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? 15
      , 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? 11
      , 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? 64
      , 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? 21
      , 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? 20
      , 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? 15
      , 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? 8
      , 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? 14
      , vijayawada
      Reviewed on Jan 13, 2016
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