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LoansJagat Team
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16 Minute
20 Mar 2025
Kotak Mahindra Bank Debit Card – Features, Limits & Application Guide
A hard-working dairy farmer named Meera used to struggle with late payments in a quiet Tier 3 village where cash used to dominate all transactions. It was difficult for her to manage household bills and make investments in her farm because selling milk to the local cooperative required her to wait days before receiving her earnings in cash.
Everything changed when she got a Kotak Mahindra RuPay Debit Card. Now, her payments are credited directly to her bank account on the same day, allowing her to access her money instantly.
One of the most powerful features of this card is its ₹3 lakh daily purchase limit, giving people like Meera the freedom to make big purchases without carrying large sums of cash. Last week, she effortlessly purchased premium cattle feed for ₹15,000 with a quick swipe—no waiting, no hassle.
This digital shift is transforming entire communities. Local shopkeepers and traders are embracing card payments and boosting their businesses, while more residents are opening bank accounts and stepping into a secure and modern financial system.
For Meera and countless others in India’s small towns and villages, the Kotak Mahindra Debit Card isn’t just a card, it’s a ticket to financial independence and a brighter future.
Top Kotak Mahindra Bank Debit Cards for 2025
Debit Card | Key Features | Limitations | Example | Tips |
Privy League Black Debit Card | Daily purchase limit: ₹5,00,000 ATM withdrawal limit: ₹2,50,000 2 complimentary domestic airport lounge accesses per quarter Complimentary insurance covers Fuel surcharge waiver. | Annual fee applicable Lounge access is limited to domestic airports only. | If you make a ₹50,000 purchase in a day, you can use up to ₹5,00,000 in purchases daily. For an ATM withdrawal of ₹2,50,000, the limit is well above the typical daily withdrawal needs. | Ensure you are aware of lounge access limits and ensure transactions fit within the daily purchase limits. |
Privy League Platinum Debit Card | Daily purchase limit: ₹4,00,000 ATM withdrawal limit: ₹2,00,000 1 complimentary domestic airport lounge access per quarter Complimentary insurance covers Fuel surcharge waiver | Annual fee applicable Limited lounge access | Spending ₹1,00,000 on a shopping spree in one day? This card can handle that purchase limit, and you get one free lounge access quarterly. Be sure to monitor usage closely. | Take advantage of lounge access if you travel frequently and consider planning high-value purchases during the month to meet limits. |
Kotak PVR Debit Card | Earn 10 PVR Reward Points per ₹100 spent at PVR Cinemas Earn 0.5 RPs per ₹100 on other purchases Redeem points for free movie tickets and F&B vouchers at PVR Purchase limit: ₹3,00,000 | Rewards mainly beneficial for frequent PVR patrons Annual fee applicable. | If you spend ₹2,000 at PVR Cinemas, you’ll earn 200 PVR points. If you make ₹10,000 in other purchases, you'll earn 50 points (a total of 250 points). These can be redeemed for movie tickets. | Frequent moviegoers should use this card to maximise rewards. Avoid unnecessary purchases for points if you're not a regular at PVR. |
811 Dream Different Debit Card | Access to special offers and exclusive discounts Tap & Pay/Contactless Payments Accepted in India and abroad. | Specific eligibility criteria may apply Annual fee applicable. | If you use this card for contactless payments, you can quickly make purchases without entering your PIN. It’s handy for smaller daily transactions under ₹2,00,000. | Ensure you take advantage of the exclusive offers and discounts regularly to get the most value. |
Silk Platinum Debit Card | Earn up to 1,500 Kotak Reward Points on spends (T&C Apply) Daily purchase limit: ₹2,00,000 ATM withdrawal limit: ₹40,000 (domestic) and ₹50,000 (international) Personal Accidental Death Cover up to ₹15 lakhs Lost baggage insurance of ₹1 lakh Purchase Protection of ₹1 lakh | Annual fee applicable Reward points are subject to terms and conditions. | If you make ₹1,00,000 in purchases, you might earn up to 1,500 reward points. These points can be used for various rewards. Keep an eye on the terms to ensure points are used effectively. | Maximise benefits by using this card for high-value purchases, especially if travelling internationally or purchasing goods with coverage. |
Infinite Debit Card | Air Accident cover up to ₹5 crore Personal Accidental Death Cover up to ₹15 lakhs Unlimited withdrawals at all ATMs in India and abroad. | Premium card with higher eligibility criteria Annual fee applicable. | If you need to make a high-value international withdrawal, this card ensures unlimited access to ATMs. Ideal for high-net-worth individuals. | This card is ideal for frequent travellers who require the flexibility of unlimited ATM withdrawals and want to be covered for travel risks. |
RuPay Debit Card | Widely accepted across India Compatible with UPI transactions Secure and contactless payments. | Lower international acceptance compared to Visa/Mastercard Fewer premium benefits. | Use this card for contactless payments while making daily transactions under ₹2,00,000. For international purchases, keep in mind its lower acceptance. | Great for domestic use, but check for compatibility when travelling abroad or making international payments. |
Tips
- Review Card Features: Before applying for a debit card, always assess your spending habits and choose the card with the most suitable rewards or limits.
- Maximise Rewards: For cards like the Kotak PVR Debit Card, focus on making the most of the specific rewards that suit your lifestyle (e.g., moviegoers should prioritise using this card for PVR purchases).
- Know the Limits: Ensure your spending doesn't exceed the card's daily limits to avoid declined transactions or additional fees.
- Monitor Benefits: Cards with complementary services, such as lounge access or insurance, can offer great value if you’re a frequent traveller.
- Check Annual Fees: Be mindful of annual fees and weigh them against the benefits the card offers to ensure you're getting good value.
Kotak Mahindra Bank Debit Card Eligibility
Eligibility Criteria | Description | Details |
Account Holder | Active Savings or Current Account with Kotak Mahindra Bank. | You must have an active account with the bank in order to be eligible for a debit card. |
Age Requirement | Minimum age of 18 years | Applicants must be at least 18 years old to qualify for a debit card. |
KYC Compliance | Completion of the Know Your Customer (KYC) process. | Valid identity and address proof must be submitted to complete KYC. This is mandatory for all applicants. |
Minimum Balance | Some accounts may require maintaining a minimum average balance. | Certain accounts, especially premium ones, might require maintaining a specific balance in order to be eligible for specific debit cards. |
Tip
- Ensure that your KYC is up-to-date and your account balance is in line with the required minimum if you are applying for a premium debit card.
Features & Benefits of Kotak Mahindra Bank Debit Card
Benefit | Details | Explanation | Total Savings/Benefit |
Fuel Surcharge Waiver | Waiver on fuel surcharge for transactions made at petrol pumps across India. | 1% of ₹2,500 spent = ₹25 waiver. | ₹25 (savings) |
Airport Lounge Access | Complimentary access to domestic airport lounges (1 per quarter). | Saves ₹1,000 in lounge fees. | ₹1,000 (savings) |
Reward Points on Spending | 4 reward points for every ₹200 spent on travel. | (₹12,000 ÷ ₹200) × 4 = 240 reward points | 240 reward points (redeemable for flights, shopping, or vouchers). |
Personal Accident Insurance | Complimentary personal accident insurance covers up to ₹10 lakh. | Provides financial protection in case of an accident. | Up to ₹10 lakh coverage (insurance benefit). |
High Transaction Limits | Daily purchase and ATM withdrawal limits for high-value transactions. | Daily purchase limit: ₹4,00,000. | ₹2,50,000 withdrawal limit. |
Global Acceptance | Widely accepted at merchant establishments and ATMs that accept Visa cards, both domestically and internationally. | No specific monetary savings, but it ensures global usability and access. | Convenience of global access. |
Enhanced Security | Chip-enabled cards provide added security against fraudulent transactions. | Added security to transactions, helping to avoid potential fraud and card-related issues. | Enhanced protection |
Exclusive Offers | Access to a range of exclusive deals and discounts in categories such as lifestyle, dining, travel, health, and fitness. | Various discounts and offers can help save on dining, shopping, travel, and more. | Savings on lifestyle, dining, travel, and more (specific discounts depend on usage) |
24/7 Global Assistance | Visa Global Customer Assistance Services are available 24/7 for card issues like reporting lost cards, emergency card replacement, etc. | Provides peace of mind, especially during travel. | Assistance in emergency situations (no direct monetary benefit, but invaluable for frequent travellers). |
How to Apply for a Kotak Mahindra Bank Debit Card
Step | Existing Customers | New Customers | Tips |
Online Application | Net Banking Application | Visit Kotak Mahindra Bank's Application Page | Ensure your contact information is up to date. |
Log in to Kotak Net Banking (enter User ID & Password). | Go to the official Kotak Debit Card application page. | Check the eligibility criteria for the specific card you want. | |
Personal Section | Go to the ‘Personal’ section. | Enter your Name, Mobile Number, Email, and Pincode. | Keep your PAN card and salary information handy. |
Select 'Debit Card' | Select ‘Debit Card’ from the options. | Verify the OTP sent to your registered mobile number. | Be ready to answer any questions about your annual salary. |
Choose 'Existing' | Select ‘Existing Customer. ’ | Fill in your City, PAN, and Annual Salary, and answer if you're an existing customer. | Review the terms and conditions carefully. |
Enter Details | Enter CRN, Username, or Debit Card Number, and Password. | Agree to the Terms & Conditions. | Read the terms thoroughly before proceeding with your application. |
Secure Login | Click ‘Secure Login. ’ | Click ‘Apply Now’ to submit your details. | Make sure to submit all required documents. |
Register if Not | If not registered, click ‘Register with Kotak. ’ | You can also apply via a mobile app or in person at the branch. | |
Mobile Banking App | Mobile Banking App | If using the mobile app, ensure your app is updated to the latest version. | |
Open Kotak Mobile Banking App. | |||
Go to ‘Service Requests’ > ‘Debit Card’ > ‘Apply for Debit Card’. | |||
Branch Visit | Branch Visit | You can visit the nearest Kotak branch for assistance if you prefer offline methods. | |
Go to the nearest Kotak Mahindra Bank branch. | Ensure you carry your KYC documents (ID and Address Proof). | ||
Customer Care | Customer Care | For any queries, contact Kotak Mahindra Bank's customer service at 1860 266 2666. |
Kotak Mahindra Bank Debit Card Cash Withdrawal Limitations
Debit Card Type | Daily ATM Withdrawal Limit | Daily Purchase Limit | Additional Benefits | Example |
Platinum Debit Card | ₹1,00,000 | ₹3,00,000 | Fuel surcharge waiver on Visa Debit Card purchases (up to ₹30,000 worth of fuel per month) Access to all merchant establishments and ATMs that accept Visa cards in India and abroad. | Fuel Surcharge Waiver: If you purchase ₹10,000 worth of fuel, you get a 1% waiver. Waiver = ₹10,000 x 1% = ₹100 |
811 #DreamDifferent Debit Card | ₹25,000 | ₹1,00,000 | Complimentary insurance covers: Card Protection Liability Cover (up to ₹2,50,000) Purchase Protection Cover (₹50,000) Personal Accidental Death Cover (₹2,00,000) | Insurance Cover Example: If your card is lost and misused for ₹10,000, the liability cover could protect you |
Everyday Debit Card | Not specified | ₹3,00,000 | Deals on dining, travel, movies, groceries, and medicines. Contactless payment feature for transactions up to ₹5,000 without a PIN. | Contactless Payment: You can buy groceries for ₹4,500 without entering a PIN, making the process faster. |
Easy Pay Debit Card | ₹25,000 | ₹50,000 | Designed for business expense tracking. Alerts are sent for every transaction to your registered contact details. | Purchase Example: If you make a purchase of ₹5,000, you can use up to ₹50,000 for other purchases in the day. |
Tips
- Fuel Surcharge Waiver: Make sure to use your Platinum Debit Card at fuel stations to avail yourself of the fuel surcharge waiver. The waiver is subject to a monthly limit.
- Insurance Covers: For the 811 #DreamDifferent Debit Card, make sure to check the terms of the insurance covers (e.g., card protection liability) to ensure you're aware of the process if something happens.
- Everyday Debit Card: You can enjoy discounts on dining and shopping with this card, so make sure to check for deals before making a purchase.
- Easy Pay Debit Card: Ideal for business users, keep track of your expenses with alerts for every transaction made.
Kotak Mahindra Bank Debit Card Offers
Category | Offer | Validity | Details | Maximum Discount/Benefits |
Electronics | Sony Products | Until November 15, 2024 | 12.5% cashback on Kotak Debit Card EMI and Smart EMI Card transactions. Significant savings on Sony electronics. | ₹22,500 cashback |
Home Appliances | Whirlpool Products | Until November 15, 2024 | 20% additional cashback on Kotak Debit Card EMI and Smart EMI Card transactions for Whirlpool home appliances. | ₹20,000 cashback |
Healthcare | MediBuddy Services | Until March 31, 2025 | Up to 70% off on health check-ups when paying with Kotak Mahindra Bank Debit or Credit Cards. | 70% off on health check-ups |
E-commerce Platforms | Amazon.in (Jewelry) | Ongoing (until further notice) | 10% instant discount on precious jewellery purchases (excluding gold coins) with Kotak Debit and Credit Cards. | ₹750 for Debit Card transactions |
Daily Essentials | Everyday Debit Card Offers | Ongoing (until further notice) | Exclusive deals on dining, travel, groceries, and more for Everyday Debit Cardholders. | Varies based on category and transaction. |
Notes
- Offer Validity: Always check the offer validity dates before purchasing to ensure you can avail yourself of the discounts.
- EMI Offers: Ensure that you're opting for EMI or Smart EMI payment options to take advantage of the EMI-specific offers.
- Health & Wellness Offers: For MediBuddy services, ensure that you book health check-ups in advance and make payments via your Kotak Mahindra Bank Debit or Credit Card to avail yourself of the discount.
How to Activate Kotak Mahindra Bank Card
Activating your Kotak Mahindra Bank debit card is a straightforward process that provides multiple methods for your convenience:
Through Net Banking
- Step 1: Log in to your Kotak Net Banking account using your credentials.
- Step 2: Go to the Personal and select 'Debit Cards. '
- Step 3: Select 'Debit Card' and then choose 'Set/Reset PIN. '
- Step 4: Enter your desired 4-digit PIN and confirm it.
- Step 5: Authenticate the process using the OTP sent to your registered mobile number.
Via Mobile Banking App
- Step 1: Open the Kotak Mobile Banking App and log in.
- Step 2: Go to the 'Service Requests' section and select 'Debit Card. '
- Step 3: Choose 'Set/Reset PIN. '
- Step 4: Enter and confirm your new 4-digit PIN.
- Step 5: Verify the change with the OTP received on your registered mobile number.
Using SMS
- Step 1: From your registered mobile number, send an SMS in the format: DEBITPIN <last four digits of your debit card> to 9971056767 or 5676788.
- Step 2: You'll receive an OTP.
- Step 3: Visit the nearest Kotak Mahindra Bank ATM.
- Step 4: Insert your debit card and select 'Set PIN'.
- Step 5: Enter the OTP followed by your desired 4-digit PIN.
At a Kotak Mahindra Bank ATM
- Step 1: Insert your debit card into the ATM.
- Step 2: Choose the 'Set PIN' option.
- Step 3: An activation code will be sent to your registered mobile number.
- Step 4: Enter this activation code along with your account details as prompted.
- Step 5: Set and confirm your new 4-digit PIN.
By Contacting Customer Care
- Step 1: Call Kotak Mahindra Bank's customer care at 1860-266-2666 from your registered mobile number.
- Step 2: Select the option for 'ATM and Prepaid Card Services'.
- Step 3: Follow the instructions to generate a Green PIN.
- Step 4: Use this PIN at any Kotak Mahindra Bank ATM to set your permanent 4-digit PIN.
Important Tips
- Always ensure your mobile number is registered with the bank to receive OTPs and important notifications.
- Keep your PIN confidential and avoid sharing it with anyone.
- If you face any issues during activation, contact Kotak Mahindra Bank's customer support for assistance.
How to Block Your Kotak Mahindra Bank Debit Card
Method | Steps | Additional Notes | Tips |
Net Banking | 1. Log in to your Kotak Net Banking account. 2. Go to the 'Debit Card' section. 3. Choose 'Block/Unblock Debit Card. ' 4. Follow the on-screen instructions to block your card. | Quick and convenient for existing Net Banking users. | Ensure your internet connection is secure while accessing Net Banking. |
Mobile Banking App | 1. Open the Kotak Mobile Banking App and log in. 2. Tap on 'Service Requests' and select 'Debit Card. ' 3. Choose 'Block/Unblock Debit Card. ' 4. Follow the prompts to block your card. | Available for users with the Kotak Mobile Banking App. | Double-check the card details before blocking, especially if you have multiple cards. |
Customer Care | 1. Call Kotak Mahindra Bank's customer care at 1860 266 2666. 2. Provide the necessary details for verification. 3. Request to block your debit card. | Quick action through a phone call. | Keep your account details handy for quicker verification. |
SMS | 1. Type "KCCLOST <Last four digits of your Debit Card>" from your registered mobile number. 2. Send to 5676788. 3. Receive a confirmation message once the card is blocked. | It is a fast method for cardholders who prefer SMS. | Ensure you're sending the SMS from your registered mobile number. |
Branch Visit | 1. Locate the nearest Kotak Mahindra Bank branch. 2. Visit the branch with identification. 3. Request to block your debit card. | The in-person option is available at any branch. | Carry your proof of ID with you to verify your identity at the branch. |
Important Notes
- Immediate Action: Block your card as soon as you suspect loss, theft, or unauthorised transactions to avoid further risk.
- Replacement Card: Once your card is blocked, you can request a replacement via Net Banking, Mobile Banking, or at a branch.
- Temporary Blocking: If you misplaced your card but expect to find it soon, consider temporarily blocking it using Net Banking or the Mobile App.
Kotak Mahindra Bank Debit Card FAQs
Q. In case I forget my PIN, how do I regenerate it?
You can get your 6-digit debit card PIN back by logging into Kotak's online banking at www.kotak.com, using the Kotak mobile banking app, or calling their customer service centre, which is open around the clock. They will also help you generate a new PIN.
Q. What can I do if I mislay my Kotak Debit Card abroad?
You can block your Kotak Debit Card by calling the numbers listed below to inform the bank that it has been lost.
Q. How can I use the Temporary Block facility?
You can utilise the Temporary Block feature on the bank's Net Banking interface if you misplace your Kotak debit card at home, at work, or somewhere else you believe you can find it with ease. You can temporarily block the card using this real-time capability. You can unblock your card whenever it's convenient for you. You can get in touch with the bank and block the debit card permanently if you can't get your card back.
Other Bank Debit Cards | |||
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LoansJagat Team
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