Kotak Debit Card

The eligibility criteria for Kotak Debit Cards vary as per the variant of the card. However, you should fulfill the below-mentioned eligibility criteria to apply for a Kotak Mahindra Bank Debit Card:

• Savings account if you are an Indian resident
• NRE savings account if you are an NRI

With Kotak Debit Cards, you can withdraw cash, avail exclusive discounts, shop online, avail complimentary lounge access and much more. Below mentioned are some of the major features of debit cards offered by Kotak Mahindra Bank:

Widely Accepted: Kotak Mahindra Debit Cards are widely accepted at over a million merchants for online and offline transactions. You can make domestic as well as international transactions via Kotak Bank ATM Cards.

Free Cash Withdrawals: You can avail unlimited cash withdrawals from Kotak Bank ATM with most of the debit cards. The limit for free cash withdrawals varies as per the variant of your card.

Complimentary Lounge Access: Some of the Kotak Mahindra Bank ATM Cards offer complimentary lounge access to the VIP lounges every year. This is offered as per the variant of your card.

Contactless Payment: You can make contactless payments just by tapping your debit cards at the PoS machines. This is applicable on your transactions of up to Rs. 5,000.

Exclusive Deals & Discounts: With Kotak Debit Cards, you will get access to exclusive deals and discounts on several categories, such as lifestyle, dining, travel, health and more.

Fuel Surcharge Waiver: Avail fuel surcharge waiver on your fuel transactions across all the petrol pumps in India. However, the maximum cap value for fuel surcharge waiver varies from card to card.

Card Assistance Services: The bank provides 24×7 card assistance to debit cardholders for their card-related queries, such as lost/ stolen card reporting, card replacement and more.

Suggested read: Debit Card Vs. Credit Card

Kota Mahindra Bank Debit Card is issued against your savings account. Therefore, you must have a savings account with the bank if you want to avail a debit card. Usually, the bank issues a debit card whenever you open a savings account. However, you can also apply for it separately if you don’t have a debit card. Below mentioned are the ways through which you can apply for Kotak Mahindra Debit Card:

Offline Application Process: You can visit any of the nearest branches to apply for a Kotak Mahindra Bank ATM Card. You are required to submit a duly filled application form along with relevant documents (if required) to apply for a debit card. The bank will then verify your details and issue the debit card as per your eligibility.

Online Application Process: You can also apply for a Kotak Mahindra ATM Card online through the official website of the bank. To apply online, you need to login to your net banking account and select a debit card as per its eligibility and your requirements. To view the list of debit cards, you can click on the ‘Debit Cards’ option under the ‘Products’ section. After submitting the form online, the bank will verify your details and issue a debit card.

You can activate your Kotak Mahindra Bank Debit Card by visiting the official website of the bank. Follow the below-mentioned steps to activate your debit card:

Step 1: Visit the ‘Activate/ Deactivate your Card’ page on the official website of the bank. You can also click here to visit the page.

Step 2: Enter the details, including mobile number and date of birth or customer relationship number.

Step 3: Enter the OTP sent to your registered mobile number and you will be redirected to the next page.

Step 4: Enter the card details, such as card number and CVV and click on the ‘Activate’ button.

Step 5: Your card will be activated and you will receive a message regarding the same on your registered mobile number.

Apart from the above-mentioned steps, you can also visit any of the nearest Kotak Bank ATM to activate your card. You are required to swipe your card and generate a PIN by entering the OTP to activate your card.

Just like Kotak Credit Cards, you can also use Kotak Bank ATM Cards for online as well as offline transactions and earn benefits on your purchases. One of the major differences is that your debit card is directly linked with your bank account and whenever you make a transaction, the money gets deducted from your linked bank account. Apart from this, debit and credit cards work similarly. Here’s how you can use debit cards for online and offline transactions:

Using Kotak Debit Card for Offline Transactions:

To use your debit card for offline transactions, you are required to swipe it at any POS machine, wherever it is acceptable. After that, you will have to enter the four-digit PIN to complete your transaction. If the entered PIN is correct, then your transaction will be processed and you will receive a confirmation message on your registered mobile number.

Using Kotak Debit Card for Online Transactions:

To use your Kotak ATM Card online, you must have all the card details handy with you. To complete any transaction, you are required to enter the card details, including card number, expiry date and CVV. After this, you will receive an OTP on your registered mobile number, enter the OTP at the merchant’s site to complete your transaction. After a successful transaction, a confirmation message will be sent to your registered mobile number.

Q. Can I make international payments using my Kotak Debit Card?

A. Yes, you can make domestic as well as international transactions via your Kotak Mahindra Bank Debit Card. All the chip cards are automatically enabled for international transactions. Apart from such debit cards, you are required to activate your card for international transactions. You can do the same by logging in to your net banking account.

Q. Can I upgrade my current Kotak Debit Card?

A. Yes, the bank allows you to upgrade your card as per the eligibility terms and conditions. To request an upgrade, you can log in to your net banking account and select your current debit card to upgrade. Apart from this, you can also contact Kotak Mahindra Bank customer care and ask the representative to upgrade your current debit card.

Q. What should I do if I lose my Kotak Mahindra Bank Debit Card?

A. You should inform the bank immediately as soon as you notice the loss of your card. To do so, you can call customer care of the bank and report your loss. The representative will immediately block your debit card to protect it from any fraudulent transaction.

Q. I don’t have an account with the bank. Can I apply for Kotak Debit Card?

A. No, it is must to have a savings account with the bank if you want to avail a Kotak Mahindra Bank Debit Card. If you are an Indian resident, then you must have a savings account with the bank. In case you are an NRI, you must have NRE savings account with the bank to apply for a debit card.

Q. How can I check the application status of my Kotak Debit Card?

A. You can check the application status of your debit card by visiting the official website of the bank. You need to enter your application number to check your current status. However, the bank generally keeps you updated with your application status by sending a text to your registered mobile number. You can also call on the customer care number and ask the representative about your application status.

Q. Can I convert my Kotak Mahindra Bank Debit Card purchases into EMIs?

A. Yes, you can convert your debit card purchases into EMIs through two options; post purchase or at the time of purchase. To avail this facility at the time of purchase, you can check whether the merchant offers a debit card EMI facility or not. Additionally, you can also call on the customer care and ask the representative to convert your selected transaction into EMI.