Kotak Mahindra Rupay Debit Card

4.0 / 5.0 by 25 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

Debit cards have been one of the most popular and widely used modes of making payments by millions of people around the word. However, in India, the market for debit cards is rather promising despite the various challenges it still faces. RuPay Debit cards have been introduced by the National Payments Commission of India (NPCI) to cater to the needs of the Indian consumers, bankers and merchants. Beside being affordable, these cards offer several other valuable benefits like flexibility, wide acceptability, customized product offering, providing electronic payment/product options to the untapped customer section while also helping protect the information related to Indian customers. Keeping all these benefits in mind, Kotak Mahindra also offers RuPay debit cards to its customers. These cards carry a host of beneficial features which can help you transact with ease like never before.

Features & Benefits of Kotak Mahindra Rupay Debit Card

Widely Accepted Within India – Enjoy access to cash anytime and anywhere with your RuPay debit card which can be used at hundreds of RuPay enabled ATMs and merchant outlets within India. Before making a transaction (ATM or POS transaction), look for the RuPay logo.
High Transaction Limits – One of the primary benefits of the RuPay debit card is that it provides the card holder with high transaction limits. This means that you get a daily ATM cash withdrawal limit of up to Rs 10,000.
Personal Accident Insurance – As a RuPay debit card holder, you are entitled to complimentary Personal Accident Insurance up to the amount of Rs 1,00,000. This insurance cover includes total permanent disability and accidental death.
Timely SMS and Email Alerts – With card related crimes on the rise, it has become very important to keep an eye on one’s card usage and transactions. For this reason, Kotak Mahindra provides you with timely alerts sent to your registered mobile number and registered email id, for any transaction which is done using your RuPay debit card.

Eligibility for RuPay debit card – Kotak Mahindra

The RuPay debit card is currently only issued to customers holding a Basic Savings Bank Deposit Account or Small Account with Kotak Mahindra.

Kotak RuPay Debit Card FAQ

Can I use my Kotak debit card for transactions and purchases overseas?
No, the Kotak RuPay debit card can only be used at RuPay enabled ATMs and POS terminals within India.
Can I use my Kotak RuPay debit card for making online purchases?
No, this card is not enabled to make online purchases.
I would like to make a claim on my Personal Accident Insurance policy provided with the Kotak RuPay debit card?
To make a claim on your Personal Accident policy, you must visit your nearest Kotak Mahindra branch and proceed according to the guidelines provided by the bank representative.
Will the insurance cover still be valid if I have lost my card multiple times?
Yes, you are eligible for the Personal Accident Cover, regardless of the card being lost or stolen.
What is the amount up to which protection is provided under the Personal Accident Insurance policy?
This policy provides cover up to the amount of Rs 1,00,000.
What is the age limit for availing the Personal Accident Insurance Policy?
Any individual who is between the ages of 18 years and up to 70 years can avail this policy.
Do I get international coverage under the Personal Accident Insurance policy?
Yes, the Personal Accident Policy will be effective even if you are travelling overseas. Any claim raised will be settled in INR (Indian Rupees), on the basis of the sum insured amount, following the submission of required documentation. This policy does not include any negative countries.
Who can I appoint as a beneficiary in the Personal Accident Insurance policy?
You are free to appoint any family member, legal heir or nominee as a beneficiary in this policy. Any person appointed as per the competent court order can also be named a beneficiary.
In how many days can I expect the insurance claim to be settled?
Following the submission of required documents, it can take up to 10 working days for the insurance company to establish entitlement of the claim.
Is cashless facility available with the Personal Accident Policy?
No, this policy does not provide Cashless settlement facility.
What is the time period allowed for intimation of the claim?
In case of an accident, you must inform the insurance company about the accident within 20 days. In case the person injured is hospitalized, (in a critical condition) and is unable to file a claim within 30 days of the loss/incident, the particular claim case will be considered by the insurance company on the condition that all the terms of the of the policy are met as on the date of the los. (the day on which the accident has occurred will be treated as the ‘date of the loss’).

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

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Kotak Mahindra Rupay Debit Card Reviews

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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

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Mohammed Jaffer Khan , bangalore
Reviewed on Feb 16, 2018
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.

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RAMANUJAREDDY VINTA , chennai
Reviewed on Jan 23, 2018
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.

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AMRIT PATEL , navi mumbai
Reviewed on Jan 04, 2018
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.

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SRI HARSHA A , hyderabad
Reviewed on Oct 16, 2017
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?¦

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Shiva , bangalore
Reviewed on Apr 06, 2017
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..

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DEEPAK DEEPAK SURTYANI , vadodara
Reviewed on Mar 26, 2017
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.

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DILIPKUMAR CHAUHAN , ahmedabad
Reviewed on Mar 25, 2017
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.

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ankit , new delhi
Reviewed on Mar 09, 2017
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.

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Prasad , pune
Reviewed on Dec 15, 2016
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

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Rahul Nandi , bangalore
Reviewed on Dec 10, 2016
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.

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RAJENDRA BANGERA , mumbai
Reviewed on Dec 05, 2016
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.

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NRAGHURAMRAJU , bangalore
Reviewed on Nov 30, 2016
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..

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ROHIT SONI , indore
Reviewed on Oct 26, 2016
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.

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MANIKANDAN CHANDRASEKARAN , chennai
Reviewed on Oct 12, 2016
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

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PRITESH BURADE , nagpur
Reviewed on Jan 28, 2016
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%.

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MAHARUDRA MUNJAJI KALE , pune
Reviewed on Jan 14, 2016
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.

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PANKAJ KUMAR , new delhi
Reviewed on Jan 13, 2016
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.

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JITENDRA KRISHNACHANDRA TIWAR , mumbai
Reviewed on Jan 13, 2016
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.

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TARSEM SINGH , chandigarh
Reviewed on Jan 13, 2016
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.

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VIDYASASTRY KATTEM , vijayawada
Reviewed on Jan 13, 2016