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Top Kotak Debit Cards 2021- Check Benefits & Rewards!

Updated on October 13, 2021 , 8719 views

There are many banks that offer debit cards with various features so that you can have easy withdrawals, transactions, and hassle-free online payments. Kotak Mahindra is one such Bank that started its journey since 1985 in the banking sector, and is giving an enhanced experience to its customers.

Kotak debit card

Let’s have a look at different types of Kotak Debit Card, its features, rewards, privileges, etc.

What is Kotak 811?

Kotak 811 is a popular service that helps users to open a “Zero Balance Account” with Kotak. 811 is a new age bank account as it is a fully loaded Digital Bank Account. You can instantly open 811 accounts, without any paperwork. Also, you can earn up to 6%* interest p.a., on your saving account and save with the multiple offers. Its main incentive is the ease of carrying out daily payments.

Types of Kotak Debit Card

1. Platinum Debit Card

  • Enjoy Fuel Surcharge waiver (currently 2.5) at any petrol pumps across the country
  • With priority pass, you can enjoy access to 1000 most luxurious VIP lounges in over 130 countries
  • Kotak Pro, Kotak Ace, and Kotak Edge are types of savings accounts. Daily transaction limits for each of these are
Purchasing limit Kotak Edge - Rs. 3,00,000 Kotak Pro - Rs. 3,00,000 Kotak Ace - Rs. 3,00,000
ATM Withdrawal Kotak Edge - Rs.1,00,000 Kotak Pro- Rs. 50,000 Kotak Ace - Rs. 1,00,000

Insurance Cover

Platinum Debit Card offers insurance cover on:

Insurance Cover
Lost card liability Rs. 3,50,000
Purchase protection limit Rs. 1,00,000
Lost baggage insurance Rs. 1,00,000
Air accident insurance Rs. 50,00,000
Personal accidental death cover Up to Rs. 35 lakhs

Eligibility

  • Resident Indians who have savings accounts
  • Non- Resident Indians who have savings accounts

2. Easy Pay Debit Card

  • You can track day-to-day real-time expenses
  • Receive monthly e-statements
  • You can now have unlimited cash withdrawals at any Kotak Mahindra Bank ATM centres

Transaction limits

  • Daily purchasing limit is Rs 50,000
  • Daily ATM withdrawal limit is Rs. 25,000

Insurance Cover

  • Insurance is offered on the lost card up to Rs. 50,000 and there is a purchase protection limit up to Rs. 50,000.

Eligibility

To apply for this card, you need to hold a current account with the bank.

Fees

Fee Types Fees
Annual Fees Rs. 250 per annum + GST
Reissuance / Replacement Fees Rs. 200 per card + GST

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3. RuPay Debit Card

  • You get access to all ATMs in India
  • Daily ATM Cash withdrawal and shopping limit put together are Rs. 10,000
  • personal accident insurance cover of Rs. 1,00,000. This also covers accidental death and permanent disablement
  • You get an email alert /SMS for every transaction made

Eligibility

To hold this card, you need to have a basic savings bank deposit account with the bank.

4. World Debit Card

  • You get complimentary access to airport lounges and privileged access to some of the finest golf courses in India
  • You can enjoy daily ATM cash withdrawal limit of Rs. 1,50,000 and shopping limit of Rs. 3,50,000
  • World Debit Card provides complimentary air accident insurance cover of Rs. 20 Lacs
  • With One Time Authorisation Code (OTAC), get alerts for every online transaction

5. Classic One Debit Card

  • With the Classic One Debit Card, you can enjoy access to the greatest deals and discounts on your purchases
  • You can withdraw up to Rs. 10,000 every day from ATM centres
  • With this card, you get SMS alerts for every transaction
  • In the case of replacement of this card, “RuPay Debit Card” is issued at no extra cost

6. Privy League Platinum Debit Card

  • You get access to all merchant establishments and ATMs that accept VISA cards in India and abroad
  • Being a chip card, it comes with additional security features
  • You get access to more than 1000 most luxurious VIP airport lounges in over 130 countries and 500 cities
  • Enjoy fuel surcharge waiver across any petrol pump in India
  • The card gives offers and discounts at Merchant’s outlet across various categories like travel, shopping, etc

Transaction limits

  • Purchasing limit is Rs. 3,50,000
  • ATM withdrawal limit is Rs. 1,50,000

Insurance Cover

Insurance Cover
Lost card liability Rs. 4,00,000
Purchase protection limit Rs. 1,00,000
Lost baggage insurance Rs. 1,00,000
Personal accidental death cover Up to Rs. 35 lakhs
Complimentary air accident insurance Rs. 50,00,000

Eligibility

This card is issued to Privy League Prima, Maxima and Magna (non-resident customers).

7. Business Power Platinum Debit Card

  • You get access to 900 most luxurious airport lounges in over 200 countries
  • You get offers and discounts at Merchant outlets in various categories like fine dining, travel, lifestyle etc
  • Enjoy fuel surcharge waiver across all petrol pumps across the country
  • Be stress-free as you will get 24 hr VISA Global Customer Assistance Services (GCAS) for lost/stolen card reporting, emergency card replacement and miscellaneous inquiries

Insurance Cover

Insurance Cover
Lost card liability Rs. 3,00,000
Purchase protection limit Rs. 1,00,000
Lost baggage insurance Rs. 1,00,000
Air accident insurance Rs. 50,00,000

Eligibility

For this card, you need to hold the following bank accounts:

  • Resident Indians- Current Account
  • Non- Resident Indians- NRE current account

8. Gold Debit Card

  • You get access to all merchant establishments and ATMs that accept Visa cards across India and abroad
  • Enjoy fuel surcharge waiver across all petrol pumps across the country
  • You get offers and discounts at Merchant outlets in various categories like fine dining, travel, lifestyle, etc

Daily transaction limit

  • Purchasing limit is Rs. 2,50,000
  • ATM withdrawal limit is Rs.1,00,000

Insurance Cover

Insurance Cover
Lost card liability Rs. 2,85,000
Purchase protection limit Rs. 75,000
Lost baggage insurance Rs. 1,00,000
Air accident insurance Rs. 15,00,000

Eligibility

To apply for this type of Kotak debit card you need to hold the following accounts with the Bank:

  • Resident - Saving account
  • Non- resident- Saving account

9. Access India Debit Card

  • You get access to all merchant establishments and ATMs that accept Visa cards across India and abroad
  • Get alerts on your registered contact details for transactions done by this card

Daily transaction limit

  • Purchasing limit is Rs. 2,00, 000
  • ATM Withdrawal is Rs. 75,000

Insurance Cover

Insurance Cover
Lost Card Liability Rs. 1,50,000
Purchase Protection Limit Rs. 50,000

Eligibility

A non-resident Indian has to have the following accounts:

10. Rupay India Debit Card

  • This card gives accidental insurance cover of Rs. 2 lakhs that covers accidental death and total permanent disability
  • Get SMS and email alerts on your registered mobile number and email id

Daily transaction limit

  • Purchasing limit is Rs.1,50,000
  • ATM Withdrawal is Rs. 75,000

Insurance Cover

Insurance Cover
Lost Card Liability Rs. 1,50,000
Purchase Protection Limit Rs. 50,000

Eligibility

A non-resident Indian has to have the following accounts:

  • NRO savings account
  • NRO current account

11. Infinite Wealth Management Debit Card

  • You get access to merchant establishments and ATMs
  • As a chip card, you get additional security
  • You get fuel surcharge waiver at every petrol pump in India
  • You get emergency Travel Insurance Cover up to Rs 13.75 lakhs

Daily transaction limit

  • Purchasing limit is Rs. 5,00,000

  • ATM withdrawal is Rs. 2,50,000

    Insurance Cover

Insurance Cover
Lost Card Liability Rs. 5,00,000
Purchase Protection Limit Rs. 1,50,000
Lost Baggage Insurance Rs.1,00,000
Air Accident Insurance Rs. 5,00,00,000

Eligibility

This card is issued only to Kotak Wealth Management Clients

12. Business Class Gold Debit Card

  • You get fuel surcharge waiver at every petrol pump in India
  • This card gives offers and discounts at merchants outlets in categories like lifestyle, fine dining, travel, fitness etc
  • You get 24 hour Visa Global Customer Assistance services

Daily transaction limit

  • Purchasing limit is Rs. 2,50,000
  • ATM withdrawal limit is Rs. 50,000

Insurance Cover

Insurance Cover
Lost Card Liability Rs. 2,50,000
Purchase Protection Limit Rs. 1,00,000
Lost Baggage Insurance Rs.1,00,000
Air Accident Insurance Rs. 20,00,000

Eligibility

To apply for this card you need to hold the following accounts with the bank:

  • Resident -Current account
  • Non- resident- Current account

13. Jifi Platinum Debit Card

  • You get access to merchant establishments and ATMs
  • This card gives offers and discounts at merchants outlets in categories like lifestyle, fine dining, travel

Insurance Cover

Insurance Cover
Lost Card Liability Rs. 3,00,000
Purchase Protection Limit Rs. 1,00,000
Lost Baggage Insurance Rs.1,00,000
Air Accident Insurance Rs. 20,00,000

Eligibility

  • To apply for this card you need to have a Jifi Account with the bank

14. Silk Debit Card

  • Daily purchase limit is Rs. 2,00,000
  • A daily domestic ATM Withdrawal Limits is Rs. 40,000, while International ATM Withdrawal limit is Rs. 50,000
  • cashback on all Silk Debit Card purchases

Insurance Cover

Insurance Cover
Lost Card Liability Up to Rs 3.5 lakhs
Purchase Protection Limit Up to Rs. 1,00,000
Lost Baggage Insurance Rs.1,00,000
Air Accident Insurance Rs. 50,00,000
Personal Accidental Death Up to 35 Lakh

Eligibility

  • This card is issued to those who have a Silk Women’s Savings account with the bank

15. PayShopMore Debit Card

  • This card can be used at over 30 lac stores in India and abroad et a personal accidental death cover up to Rs. 2 Lakh
  • You can enjoy a wide Range of deals and offers, at online and retail stores

Transaction limits

  • Purchase limit is Rs. 2,00,000
  • ATM Withdrawal limit- domestic is Rs. 40,000 and international is Rs. 50,000 |

Insurance Cover

Insurance Cover
Lost card liability Upto Rs. 2,50,000
Purchase protection limit Up to Rs. 50,000
Personal accidental death cover of Up to Rs 2 lakhs

Eligibility

To apply for this card, you need to hold any of the following accounts:

  • Residents having a savings account
  • Non- residents having a savings account

Kotak Debit Card EMI

Kotak Bank offers Equated Monthly Installments (EMI) Facility to its debit card holders. However, this facility comes with a pre-approved limit for its customers. It can be availed at the limited stores and e-commerce sites like Flipkart and Amazon. The minimum cart value is Rs. 8,000 and the customers can repay the loan in 3,6,9, or 12 months.

How to Apply for Kotak debit card

There are 2 ways by which you can apply for a Kotak Debit Card:

  • Net banking- Login to net banking, click on Banking -->Debit Card --> New Debit Card. Or else, you can contact the customer centre at 1860 266 2666

  • Branch- Visit the nearest Kotak Mahindra Bank Branch, and apply for a debit card.

Corporate Address

Registered address - 27 BKC, C 27 G Block, Bandra Kurla Complex, Bandra E, Mumbai 400051.

To locate the nearest branch, you can go to the bank's official website, and follow-- Home > Customer service > Contact Us > Registered office.

Kotak Debit Card Customer Care

Kotak bank’s customer care number is 1860 266 2666. For any 811 related queries, you can dial 1860 266 0811 between 9:30 a.m. to 6:30 p.m. from Monday to Saturday.

A dedicated 24* 7 toll-free number 1800 209 0000 is also available for any fraud or unauthorized transaction queries.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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