Quick and Contactless Card Payments with payWave

Q: Is my card a contactless card?

For Kotak Credit Cards issued before 1st Oct’20 : Look for the Contactless Indicator on your card. If your card has the contactless indicator, you can start using your card for contactless transactions immediately. For Kotak Debit Cards issued from 1st Oct’20 : As per RBI guidelines, Contactless (Tap & Pay) feature has been disabled on your card, to know how to enable, click here.

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How it works

Step 1: Look for the payWave symbol on the payment terminal.

Step 2: Wave your card near the payment terminal.

Step 3: Go when it beeps or green light blinks.

*Please note that the requirement for PIN entry on the POS terminal at the merchant outlet is a function of country specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit.

Please note that the permissible transaction limit for usage of credit cards in contactless mode in India is mandated by RBI and may change from time to time based on the latest regulations. As per RBI notification on Additional Factor authentication for contactless transactions dated December 04, 2020, PIN input is not required on the POS terminal at the merchant outlet for contactless transactions up to a maximum value of Rs. 5,000 per transaction. Additionally, beyond this transaction limit, (above Rs. 5,000) the card has to be processed in Chip & PIN mode and authentication with PIN is mandatory.

Pay conveniently at*:

* This is not an exhaustive list, but a list of key merchants that accept payWave transactions. Over 450,000 payment terminals in India support contactless transactions. Look for payWave symbol on the payment terminal to know if it supports payWave.

Frequently Asked Questions

Is my card a contactless card?

For Kotak Credit Cards issued before 1st Oct’20 : Look for the Contactless Indicator on your card. If your card has the contactless indicator, you can start using your card for contactless transactions immediately.

For Kotak Debit Cards issued from 1st Oct’20 : As per RBI guidelines, Contactless (Tap & Pay) feature has been disabled on your card, to know how to enable, click here.