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Kotak Debit Card

Kotak ATM

Last Updated 13th Apr 2021

  • Kotak offers benefits across categories like travel, shopping, and lifestyle, among others.
  • Kotak Bank customers can avail a debit cum ATM card via net banking, written request or by contacting the bank’s customer care.
  • With Kotak debit cards, one can earn rewards, withdraw cash, shop online, shop offline and can pay bills among others.
  • The bank offers various debit card products such as Kotak Bank Platinum Debit Card, Kotak Bank PayShopMore Debit card, Kotak Bank Easy Pay Debit Card, Kotak Bank Privy League Signature Debit Card, Kotak Bank Classic One Debit Card, Kotak Bank Privy League Platinum Debit Card, Kotak Bank RuPay Debit Card, Kotak Bank Silk Platinum Debit Card, Kotak Bank Gold Debit Card.
  • In case of theft of the debit card, Kotak Bank debit card can be blocked by internet banking or by contacting the bank via toll-free number or SMS.
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Compare Best Kotak Debit Cards Online

Card Name Card Type Maximum Withdrawal Limit Annual Maintenance Charges
Kotak Bank Platinum Debit Card Visa ₹ 1,00,000 ₹ 3,00,000
Kotak Bank PayShopMore Debit card Visa ₹ 40,000 ₹ 2,00,000
Kotak Bank Easy Pay Debit Card Visa ₹ 50,000 ₹ 25,000
Kotak Bank Privy League Signature Debit Card Visa ₹ 2,00,000 ₹ 4,00,000
Kotak Bank Classic One Debit Card Mastercard ₹ 10,000 ₹ 10,000
Kotak Bank Privy League Platinum Debit Card Visa ₹ 1,50,000 ₹ 3,50,000
Kotak Bank RuPay Debit Card Rupay ₹ 10,000 ₹ 10,000
Kotak Bank Silk Platinum Debit Card Visa ₹ 40,000 ₹ 2,00,000
Kotak Bank Gold Debit Card Visa ₹ 1,00,000 ₹ 2,50,000

Kotak Debit Card Online

Amongst the various affordable, reliable and trustworthy services offered by Kotak Bank, issuing a debit card online is most popular. Availing Kotak atm card online is easy, quick and hassle-free and can be attained via the bank’s net banking portal. A debit card offers benefits and usage across a lot of categories such as travel, shopping, and lifestyle, among others. The debit card can also be availed from Kotak Bank through written requests or by contacting the bank’s customer care.

Types of Kotak ATM Cards

Kotak Bank offers several debit card options to ease the financial management of different kinds of customers. Kotak Bank debit card offers benefits such as quick processing, hassle-free usage. With Kotak debit cards, one can earn rewards, withdraw cash, shop online, shop offline and can pay bills among others. Various debit cards offered by Kotak Bank are listed as follows:

Kotak Bank Platinum Debit Card

Some of the common features of Kotak Bank Platinum Debit Card are:

  • The card offers discounts and benefits at Merchant Outlets in categories such as Lifestyle, Fine Dining, Travel, Health and Fitness.
  • The card comes with 24 hours VISA Global Customer Assistance Services (GCAS) for issues like Lost/Stolen Card Reporting, Emergency Card Replacement and Miscellaneous Inquiries.
  • The card offers Lost Card Liability insurance of ₹ 3,50,000.

The card offers Fuel Surcharge waiver up to ₹ 30,000

Some specifications of Kotak Bank Platinum Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 1,00,000
Purchase Limit Upto ₹ 3,00,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank PayShopMore Debit card

Some of the common features of Kotak Bank PayShopMore Debit card are:

  • The card offers convenient cash-free shopping at over 30 lac stores in India.
  • The card offers purchase protection limit: Upto ₹ 50,000.
  • Further, a personal accident death cover of upto ₹ 2 lakhs can be availed with the card.

Some specifications of Kotak Bank PayShopMore Debit card are listed as follows:

Cash Withdrawal Limit Upto ₹ 40,000
Purchase Limit Upto ₹ 2,00,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank Easy Pay Debit Card

Some of the common features of Kotak Bank Easy Pay Debit Card are:

  • The card enables tracking of day-to-day real-time expenses.
  • Cardholders can receive monthly e-statements for transactions made with this debit card.
  • This debit card can be availed by current account holders.

The card offers Lost Card Liability up to ₹ 50,000

Some specifications of Kotak Bank Easy Pay Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 50,000
Purchase Limit Upto ₹ 25,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank Privy League Signature Debit Card

Some of the common features of Kotak Bank Privy League Signature Debit Card are:

  • This premium card is equipped with payWave technology that enables faster and contactless payments
  • Cardholders can avail a lost baggage Insurance up to ₹ 1,00,000.
  • The card also provides the benefit of one free access to selected airport lounges per calendar year.

Further, fuel surcahrge waiver up to ₹ 30,000 can be availed with this card

Some specifications of Kotak Bank Privy League Signature Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 2,00,000
Purchase Limit Upto ₹ 4,00,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank Classic One Debit Card

Some of the common features of Kotak Bank Classic One Debit Card are:

  • With this card you can enjoy great deals and discounts online and at various retail outlets.

Some specifications of Kotak Bank Classic One Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 10,000
Purchase Limit Upto ₹ 10,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge Nil
Issuance Charge ₹ 250

Kotak Bank Privy League Platinum Debit Card

Some of the common features of Kotak Bank Privy League Platinum Debit Card are:

  • Kotak Privy League Platinum Debit Card fulfils the tailor made unique needs for the cardholders.
  • Fuel Surcharge waiver subjected to a maximum of ₹ 30,000 per month.

The card offers complimentary air accident insurance cover of ₹ 50,00,000

Some specifications of Kotak Bank Privy League Platinum Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 1,50,000
Purchase Limit Upto ₹ 3,50,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank RuPay Debit Card

Some of the common features of Kotak Bank RuPay Debit Card are:

  • This card can be accessed at all ATMs in India with RuPay brand mark.

This card offers a personal accident insurance cover of ₹ 1,00,000 that covers accidental death and total permanent disablement

Some specifications of Kotak Bank RuPay Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 10,000
Purchase Limit Upto ₹ 10,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank Silk Platinum Debit Card

Some of the common features of Kotak Bank Silk Platinum Debit Card are:

  • This card is designed exclusively for the new age Woman to cater to her new-age lifestyle needs.
  • The card offers personal accidental death cover up to ₹ 35 Lakh.

This card offers cashback of up to ₹ 4,500 per annum on debit card spends

Some specifications of Kotak Bank Silk Platinum Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 40,000
Purchase Limit Upto ₹ 2,00,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Kotak Bank Gold Debit Card

Some of the common features of Kotak Bank Gold Debit Card are:

  • Gold debit card comes with 24 hours VISA Global Customer Assistance Services (GCAS) for issues like Lost/Stolen Card Reporting, Emergency Card Replacement and Miscellaneous Inquiries
  • With this card you can avail Fuel Surcharge waiver up to ₹ 20,000
  • The card provides personal accidental death cover of up to ₹ 35 lakhs.

Some specifications of Kotak Bank Gold Debit Card are listed as follows:

Cash Withdrawal Limit Upto ₹ 1,00,000
Purchase Limit Upto ₹ 2,50,000
Annual Maintenance Charge ₹ 250
Card Replacement Charge ₹ 200
Issuance Charge ₹ 250

Requesting a New Debit Card From Kotak Bank

One can request a new debit card from Kotak Bank, by making a personal visit to the Bank's nearest branch, or through the Bank's online portal. In addition to that, a written request or contacting the customer care can also help one in getting a new Kotak ATM card. A step-by-step guide to these methods is listed as follows:

Internet Banking

To gain a new Kotak, debit card via net banking follows the below-mentioned steps:

  • Visit the Bank's online portal or log in to the net banking portal using your username and password.
  • On the net banking portal, look out for the option, 'e-Services/Services' and click on 'ATM card services' or a similar option.
  • Clicking on this option will open a new page. On the page, click on 'Request ATM/ debit card option'.
  • Proceed further, by entering either the OTP received on the registered mobile number or use the profile password.
  • After entering any one of the above, click on 'Submit'.
  • Clicking on 'Submit' will open all your primary and secondary accounts options on the page.
  • Choose the account for which you wish to get a new debit card and choose the card type and agree to the terms and conditions.
  • Click on 'Submit' and verify all the details. 
  • On successful submission of the request, the card request status is updated on the screen.

Written Request

Apart from internet banking, one can also avail Kotak debit card by filing a written request. To file a written request for a new Kotak ATM card, one can either write an email to the Bank's official email address or can write a physical application by visiting the Bank in person. The written request made for a new Kotak Bank debit card must be addressed to the concerned branch manager. The card is issued within 7 to 10 working days after filing the writing request.

Customer Care

Kotak Bank is one of the leading banks when it comes to customer-oriented services. However, to add more to the convenience factor, the Bank has set up its customer care for solving customer queries and for providing banking services at ease. To avail a new Kotak ATM card, you can also contact the Bank's customer care by contacting the Bank via its toll-free number 1860-266-2666 .

Benefits of Getting Kotak Debit Card

Some of the benefits offered by Kotak ATM card as listed as follows:

  • Kotak Bank debit card can be obtained easily, as it involves minimum eligibility and documentation.
  • Kotak Bank debit card can be used to withdraw cash.
  • Kotak debit card offers the security of funds even when the card is stolen. This is because the card can be blocked immediately, and thus debit cards are safer for funds than physical cash.
  • Another benefit offered by Kotak ATM is that the card can be used across all points of sales, whether offline or online and allows hassle-free transactions.
  • Also, debit cards are way more beneficial than a credit card in terms of debt management. While a credit card allows one to make purchases more than one's account ability, a debit card allows purchasing as per the availability of funds.
  • Apart from the best utilisation of one's funds,Kotak Bank ATM provides the additional benefit of rewards such as cashback offers and reward points.

Steps to Use your Kotak ATM Card

One can use their Kotak debit card by following the below-mentioned steps:

  • To use the Kotak Bank ATM, you need to visit the Bank's ATM.
  • Insert the card on the ATM machine, along the side with the bank logo and magnetic chip, and take the card out.
  • After taking the card out, choose the language of your choice, as visible on the screen.
  • Proceed further by entering the four-digit ATM PIN.
  • On entering the wrong PIN, the screen shows various options such as Withdraw money, Deposit Money, Pay Bill, and Balance Enquiry, among others.
  • In case you wish to withdraw money with the help of Kotak Bank ATM, choose the option 'Withdraw Money'.
  • Choosing the above option will give you the option of choosing the account type- Savings or Current account.
  • Choose the account type from which you wish to withdraw the cash.
  • After choosing the account type, enter the amount you wish to withdraw from your account and press 'OK' or 'Enter'.
  • Collect the money that comes from the ATM machine, and collect the transaction receipt.
  • After collecting the receipt, end the cash withdrawal session by pressing the Cancel or Cross button that appears on the screen.

Blocking an Kotak Bank Debit Card

The need to block a Kotak Bank debit card arises when the debit card is stolen or lost. In such scenarios, the card can be easily misused by frauds and thieves for illegal activities or for duping money. Thereby, it is important to block the card immediately by following any of the below-mentioned ways to block a card.

Kotak Toll Free Number

Customers can block the Kotak ATM in case it is lost, by contacting the Bank on the 24*7 helpline number. Kotak Bank customer care toll-free number to block the debit card is 1860-266-2666 . The number is reachable from all corners in the country and can be reached out from any landline or mobile type.

SMS

Apart from contacting the Bank via the toll-free number, customers can block their Kotak Bank debit card via SMS as well. This can be done by sending an SMS to the Bank's virtual mobile number that is 5676788 through the registered mobile number associated with the debit card. However, to avail this card blocking facility via SMS, one needs to know the last four digits of the Kotak Bank ATM card.

Net banking

Another way to block the Kotak ATM card is via the Kotak Bank net banking portal. The steps to follow the same is listed as follows:

  • Visit the Bank's online portal or log in to the net banking portal using your username and password.
  • On the net banking portal, look out for the option, 'e-Services/Services' and click on 'ATM card services' or a similar option.
  • Clicking on this option will open a new page. On the page, click on 'Debit card Hotlisting'.
  • The next page will bring to screen all your primary and secondary accounts.
  • Choose the account for which you wish to block the debit card.
  • Choosing the card will open a pop-up wherein, select or mention the reason why you wish to block the debit card.
  • Click on 'Confirm' and verify all the details.
  • On successful submission of the request, an OTP is sent on the registered mobile number.
  • Enter the OTP, click on 'Submit' and click 'OK' that appears on the pop-up.
  • On successful blocking of the card, a confirmation SMS is sent on the registered mobile number.

FAQs

Which is the best debit card of Kotak Bank?

Kotak Bank offers a number of a debit card to suit the needs of different kinds of debit card users. Various products offered under Kotak ATM are Kotak Bank Platinum Debit Card, Kotak Bank PayShopMore Debit card, Kotak Bank Easy Pay Debit Card, Kotak Bank Privy League Signature Debit Card, Kotak Bank Classic One Debit Card, Kotak Bank Privy League Platinum Debit Card, Kotak Bank RuPay Debit Card, Kotak Bank Silk Platinum Debit Card, Kotak Bank Gold Debit Card.

Can I apply for an Kotak Bank ATM card online?

Yes, Kotak debit card apply can be done online via net banking. To get a new Kotak Bank Debit card, you can log in on the net banking portal through either OTP or through the profile password.

How many types of Kotak Bank debit cards are there?

Kotak Bank offers a number of debit cards to suit the needs of different customers. These are Kotak Bank Platinum Debit Card, Kotak Bank PayShopMore Debit card, Kotak Bank Easy Pay Debit Card, Kotak Bank Privy League Signature Debit Card, Kotak Bank Classic One Debit Card, Kotak Bank Privy League Platinum Debit Card, Kotak Bank RuPay Debit Card, Kotak Bank Silk Platinum Debit Card, Kotak Bank Gold Debit Card.

How can I get a new Kotak Bank ATM card?

You can get a new Kotak Bank ATM card via internet banking, written request or by contacting the customer care.

What are the documents required for an Kotak Bank ATM card?

Documents required for a Kotak debit card apply are Identity proofs such as voter id card, aadhar card, PAN card, or passport and address proofs such as utility bills-gas, water, electricity or telephone bill, aadhar card or passport.


Kotak Debit/ ATM Card News - May 2021
  • 2020-10-20 : Kotak launched 2020 Edition of Khushi Ka Season
    Kotak Bank introduced 2020 edition of Khushi Ka Season. The bank is offering attractive loan rates, loan processing fee waivers and quick online loan approvals on a range of retail and Agri loan segments. Further, customers can avail special offers on banking products including savings accounts, debit & credit cards and no-cost EMI payments
  • 2020-10-16 : Kotak Mahindra Bank launches festive offers
    Kotak Bank introduced festive offers to lure customers. Individuals can avail special offers on other banking products including savings accounts, debit & credit cards and no-cost EMI payments. Festive offers include home loans starting at 7% p.a plus savings of up to Rs. 20 lakh on Balance Transfer cases. Further, the bank is offering 50% waiver on Processing Fee on Car Loans, Two-wheeler Loans, Agri-Business, Commercial Vehicle and Construction Equipment.
  • 2020-09-25 : Kotak partnered Delhi Capitals, Mumbai Indians and launched MyTeam Card
    Kotak Mahindra Bank launched a specially designed range of Debit and Credit Cards with Delhi capitals and Mumbai Indians. The Kotak Cricket edition range of Debit and Credit Cards feature team visuals of the players, the logo & watermark, and the official team colours for the fans.
  • 2020-05-06 : Kotak launches ATM on Wheels for Delhi-NCR
    Kotak Mahindra bank launched ATM on Wheels for Delhi-NCR. The mobile ATM will bring cash withdrawal facility to the neighbourhood. It is aiming to provide convenient and easy access to cash withdrawal services amid the COVID-19.
  • 2019-02-22 : Kotak Mahindra Bank launches image debit cards with artworks by Seema Kohli
    Kotak Mahindra Bank has introduced a range of debit cards featuring exclusive artworks by Seema Kohli. The special edition debit cards with artworks by Seema Kohli, curated by Trinity Arts, have been designed especially for the Kotak Silk customers which is a special savings bank account for women to meet their financial requirement.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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