Experience the all-new Kotak Netbanking
Simpler, smarter & more intuitive than ever before
Quick Help
Frequently Asked Questions
Show More
For Kotak Bank Customers
For Kotak811 Customers
Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
Other Features
- Daily Limits for transaction within India and abroad:
- Purchasing Limit: Rs. 5,00,000
- ATM Withdrawal: Rs. 2,50,000/-
- Fuel Surcharge waiver on Infinite Wealth Management Visa Debit card is capped up to Rs. 30,000 worth of fuel purchases in a calendar month
- Insurance Offered : You get following complimentary insurance cover with your card:
- Lost Card Liability: Rs. 6,00,000
- Purchase Protection Limit: Rs. 1,50,000
- Lost Baggage Insurance: Rs. 1,00,000
- Air Accident Insurance: Rs. 5,00,00,000
- Personal Accidental Death Cover of up to Rs 25,00,000.
- Customer will have unlimited free access to designated domestic airport lounges per calendar quarter. To see the list of designated domestic airport lounges which you can avail using you Debit Cards, Click here
- VISA Concierge is available 24 hours a day, 7 days a week to help you with your lifestyle needs. This exclusive service is designed to assist you with Trip Planning Assistance, Hotel Reservations, Flight Reservations, Restaurant Reservations, Car Rental, Performance Tickets booking as well as Other Requests. You can reach VISA Concierge on the phone by calling 0008004420011 or online at https://www.concierge-asia.visa.com/
- Offers & Discounts at Merchant Outlets in categories such as Lifestyle, Fine Dining, Travel, Health and Fitness. Visit http://www.kotak.com/kotakoffers/
- 24 hours VISA Global Customer Assistance Services (GCAS) for:
- Lost/Stolen Card Reporting
- Emergency Card Replacement
- Miscellaneous Inquiries
- For assistance in India, the toll free number for accessing these emergency services is 0008004420011 when asked. You can also call our 24 hour Customer Contact Centre at 0091 22 6600 6022 to get the toll free numbers while calling from overseas locations
Disclaimer
In line with RBI guidelines, Kotak Debit Cards issued from 1st Oct’20 can only be used at domestic retail outlets for payments and ATMs, to know how to enable:
- Domestic Online payments: Click here for Debit Cards issued from 1st Oct’20 – 6th Jan’21 and for cards issued from 7th Jan’21, click here
- International usage, Contactless payments & Tokenization click here
The Bank will charge cross-currency mark-up of 1.5%+GST on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction. Tax Collected at Source on all such transactions will be applicable at prevailing rates as per the prevailing law.
The fuel surcharge will be levied at the time of fuel purchase and the same will be refunded in the subsequent month.
Frequently Asked Questions
What is a Chip card?
A chip card has a microchip embedded in the kotak debit card. The chip is difficult to tamper with and therefore provides enhanced security to your transactions. You can get a Chip Kotak Debit Card issued by:
- Logging into Kotak Net Banking. Click on Banking -> Debit Cards -> New Debit Card, or
- Calling our 24-hour Customer Contact Centre at 1800 4100, or
- Visiting nearest Kotak Mahindra Bank branch
Will I be able to use my Kotak Debit Card for International transactions?
All Chip Kotak Debit Cards are by default enabled for international use.
- All Magnetic Strip* (Non Chip) Kotak Debit Cards issued before December 1, 2013 are by default enabled for international use.
- All Magnetic Strip* (Non Chip) Kotak Debit Cards issued on or after December 1, 2013 cannot be used outside India.
*If a customer is using Magnetic Strip (Non Chip) Kotak Debit Card for international transactions, then as a process, the customer is issued a chip kotak debit card in lieu of the magnetic strip kotak debit card (as per eligibility).
What are the charges for using the Kotak Debit Card at other Bank's ATM?
Charges for using Kotak Debit Cards at other bank ATMs can be found in the below link:
How can I change daily ATM withdrawal and purchase limits of my Kotak Debit Card?
Call our 24-hour Customer Contact Centre at 1800 4100 to modify the limits up to the default limits. To increase limits more than the default limits, visit your nearest Kotak Mahindra bank branch.
What are the Kotak Debit Card transaction fees if I swipe my card at fuel pumps or booking railway tickets?
The following transaction charges are applicable when you use the Kotak Debit Card at:
- Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater).
- IRCTC: For all IRCTC transactions, upto 1.8% Payment Gateway (PG) charges.