Wearable Payments FAQs

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How do I activate my Wearable Payment Device?

To activate wearable payment device for in-store payments, please enable contactless feature following below steps:

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards à Debit Card--> Card controls--> Select Wearable Payment Device --> Enable card status --> Enable “Contactless” payments in Domestic controls --> Confirm

Pin is required for transaction above Rs 5,000/-. Pls refer below FAQ to set pin.

*In case of Smart Vital Plus, you can activate your health subscription by registering on GOQii App using activation voucher (sent in the Smart Vital Plus Box) and mobile number registered with the bank.

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How can I modify transaction limits on my Wearable Payment Device?

Follow below path to enable transactions or modify limits:

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards --> Debit Card--> Card controls--> Select Wearable Payment Device --> Enable card status --> Enable “Contactless” payments in Domestic controls--> Confirm

Step 3: To modify limits --> Limit management/ controls --> Edit limit of “Contactless” payments --> Confirm

Note: Only Domestic contactless, and ECOM transactions are allowed hence you will only be able to enable/ modify limits for these payment types.

You can also visit nearest branch to submit request for change of transaction limits.

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How do I use my Wearable for contactless payments?

Step 1- Enable contactless transactions through Mobile Banking App/ Net Banking

Step 2- To make payments, place your payment chip strap near the contactless symbol ))) on the POS machine at merchant outlets.

Step 3- Your transactions is done with a beep/ green light on the POS machine. Pls do not forget to collect the receipt for the contactless payment you made.

Pin is required for transactions > Rs 5,000/-.

*Transaction will only happen if Wearables (Payment chip strap of the smart watch) is tapped on the POS terminal within a distance of 4 cms.

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Can I use my wearable payment device to buy something online?

To enable Ecommerce transactions and modify limits on your wearable payment device follow below path:

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards --> Debit Card--> Card controls--> Select Wearable payment Device --> Enable card status --> Enable “Ecom/Online” payments in Domestic controls--> Confirm

Step 3: To modify limits --> Limit management/ controls --> Edit limit of “Ecom/Online” payments --> Confirm

To know the card details associated with your wearable payment device and generate Pin for making online transactions, pls refer below FAQs.

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How can I view the card details linked with my wearable device?

Please follow below path:

Step 1: Login to Kotak Bank Mobile Banking or Net Banking.

Step 2: Go to Cards --> Debit Card--> On “Overview” screen select card number that displays your Wearable payment device --> click “Show card details” -->Enter OTP --> Click “Show CVV” --> Enter OTP

Step 1: Login to Kotak Bank Net Banking.

Step 2: On the Home Page --> Scroll down to “Your Cards” section --> Clicking ‘More Details’ beside wearable image --> enter OTP --> Details will be visible

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How can I set PIN for my wearable payment device?

To SET PIN follow below path:

Step 1: Login to Kotak Mobile Banking App or Net Banking

Step 2: Cards --> Debit Card--> Regenerate Pin--> Select card number associated with your wearable payment device --> Enter New PIN --> Confirm new PIN--> Submit

You can also visit website to set pin https://www.kotak.com/en/transaction-services/generate-pin.html --> Select Debit card linked with your wearable payment device (Pls keep the card number, CVV and expiry details handy to generate pin via website. Card details can be viewed on Mobile Banking and Net Banking)

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How can I register for Kotak Bank Net Banking and Mobile Banking?

You may please visit https://www.kotak.com/en/digital-banking/ways-to-bank/net-banking/how-to-register.html for details on ways to register for Kotak Bank Net Banking.

To register for Kotak Mobile Banking pls download the app --> Click ‘Already have a Kotak account --> Enter existing Debit card details or Net banking password to generate MPIN.

*You will need Customer Relationship Number (CRN) which is Reference number mentioned on new account opening welcome letter.

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What are transaction limits on my wearable payment device?

Overall daily purchase limit is INR 1,00,000 (E-commerce). For Contactless transactions, daily purchase limit is INR 25,000.

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What if the amount is more than INR 5000? Will I be able to make payments using my use my Wearable?

Yes, you will be able to use your Wearable for making payment.

However, for transactions above ₹ 5,000, you will need to enter your PIN.

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Can I withdraw cash from ATMs using wearable?

No. ATM withdrawal is not allowed on wearables.

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Can I disable payments on my wearable?

Yes, follow below path to disable payments for Wearable as per your needs:

Step 1: Login to Kotak Mobile Banking App or Net Banking.

If you want to disable specific type of payment only then,

Step 2: Cards > Debit Card--> Card controls--> Select card number associated with your wearable --> Disable card status --> Click Confirm

If you want to disable specific type of payment only then,

Step 2: Cards > Debit Card--> Card controls--> Select card number associated with your wearable payment device --> Disable “Contactless” or “ECOM/ Online” payments in Domestic controls as per your need.

*Pls do not disable card status else card will be disabled for all payment types.

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I'm facing issues using my Wearable Payment device for making contactless payments; what should I do?

Contactless payments need to be enabled on the device by visiting Kotak Mobile Banking App or Net Banking

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards --> Debit Card--> Card controls--> Select card number associated with your Wearable payment device --> Enable card status --> Enable “Contactless” payments in Domestic controls --> Confirm

Please check the daily contactless payment limits that you have set. If you have exhausted your daily contactless payment limit, it can be enhanced by following the below process:

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards --> Debit Card--> Card controls--> Select card number associated with your Wearable payment device --> Limit management/ controls --> Edit limit of “Contactless” payments --> Confirm

For further support you can call Kotak Bank Customer Support on 1860 266 2666.

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I'm facing issues using my Wearable Payment device for making contactless payments; how do I replace it?

If you are facing trouble with making contactless payment using your device then pls check if contactless payments are enabled on your device and you have not exhausted daily purchase limit. If still payments are not working then you can block and place a replacement request on your Kotak Mobile Banking App by following below steps:

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards --> Debit Card--> Lost/ Stolen/ Closure --> Select ‘closure’ --> Check box ‘Replacement required’ --> Submit Request.

Replacement charges applicable.

*If the device is smart vital plus provided by GOQii then Card linked will be closed and only payment chip strap will be replaced. Please connect with GOQii for replacement of other parts. If your watch with strap is lost/stolen, pls proceed to close the card without applying for replacement. You can apply for a new device from ‘Wearable Payments’ section.

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How to apply for a new wearable payment device?

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards -->Debit Card--> WEARABLE PAYMENTS--> Select the Wearable payment Device you want to apply --> Go through the features and charges --> Read T&C, disclaimers and agree --> Give consent and CONFIRM

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What if I lose my Wearable Payment device? How do I report it to Kotak bank & block the debit card associated with the device?

You can block the debit card associated with the Wearable Payment device by calling the Kotak Bank Customer Support on 1860 266 2666 or through your Kotak Bank Mobile Banking App or Net Banking by following below steps. We request you to please do this immediately if you lose your device.

Step 1: Login to Kotak Mobile Banking App or Net Banking.

Step 2: Cards --> Debit Card--> Lost/ Stolen/ Closure --> Select card number associated with your wearable payment device --> Select ‘Lost/ stolen’ as applicable --> Submit Request.

Please note that if you check box ‘Replacement required’, only payment chip strap of the watch will be replaced. You can apply for a new device from the Kotak Mobile Banking App or Net Banking after blocking the existing device.

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What are the fees and charges on Wearables?

Pls note that below charges are non-refundable.

	Final Price	*Contactless chip annual maintenance Fee	Replacement Fee	**Physical Pin Re-generation fee
Smart Vital Plus	INR 3,499/- (inclusive of GST). It is inclusive of - INR 612.33 Contactless chip issuance charges charged by the bank - INR 2,886.67 for Smart Vital Plus fitness watch with complimentary 3 months wellness levied by GOQii Technologies Pvt Ltd.	INR 259+GST	INR 750+GST (Strap replacement charges)	INR 100+GST

* Contactless chip annual maintenance Fee is charged by bank from 2nd year onwards till validity or contactless chip band is active, whichever is less.

** For Physical Pin regeneration pls visit Debit card section in Net Banking. Online Pin generation is instant and free.

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Will my wearable payment device be renewed on expiry of my linked Debit Card?

Renewal of the wearable is not allowed by the Bank. You can place replacement request for the strap through Kotak Mobile Banking App/ Net Banking by following the below steps:

Step 1: Login to Kotak Mobile Banking App or Net Banking.
Step 2: Cards --> Debit Card--> Lost/ Stolen/ Closure --> Select ‘closure’ --> Check box ‘Replacement required’ --> Submit Request.
Pls visit Net Banking to view details of the debit card (including expiry date) linked to your wearable. Debit card is valid for 5-7 years as per sole discretion of the bank.

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What are the components of my GOQii Smart Vital Plus watch?

There are three major components of the device constituting:

1- Smart Vital Plus Tracker provided by GOQii Technologies Pvt Ltd (To measure SpO2, Body Temperature, Heart Rate, Blood Pressure, Steps, Time and more)

2- 12 and 15 holes Strap provided by GOQii Technologies Pvt Ltd (To hold the smart device)

3- Payment chip strap with Contactless Chip / Secure Element / NFC to make contactless payment provided by the bank.

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I'm facing performance issues using my Smart Vital Plus watch; how do I replace it?

If you are facing any issue with the smart watch, then kindly connect with GOQii Customer Support via GOQii App- Home- Support or call on +91 8419940404 (Monday to Saturday - 10am to 6pm) for replacement.

Please note that the Bank is only a contactless payment enabler to provide the payment facility to its customers on the smart watch and is not responsible for performance, quality or warranties provided by GOQii.

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Whom should I contact if there is any issue with Smart Vital Plus tracker like its display or any issue with measurement of vitals or steps?

Warranties on Smart Vital Plus are provided by GOQii. In case if you are facing any issues with the smart watch, please contact GOQii Customer Support via GOQii App- Home- Support or reach on 84199 40404

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Return policy on the Wearable Payment device?

It is non-returnable.

If your device is Smart Vital Plus then you can connect with the bank customer support for replacement of payment strap if payments are not working. You can connect with GOQii customer support for replacement of your smart watch if it is not working.