A chip card has a microchip embedded in the kotak debit card. The chip is difficult to tamper with and therefore provides enhanced security to your transactions. You can get a Chip Kotak Debit Card issued by: Logging into Kotak Net Banking. Click on Banking -> Debit Cards -> New Debit Card, or Calling our 24-hour Customer Contact Centre at 1860 266 2666, or Visiting nearest Kotak Mahindra Bank branch

Pay Shop More Debit Card - Apply Online

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#PayShopMore

Enjoy secure and convenient cash-free shopping at over 30 lac stores in India and a wide range of websites and mobile apps with your Kotak #PayShopMore Debit Card. What’s more, you can also use your card for shopping even when you travel abroad. It comes loaded with the following features and benefits as well:

Personal Accidental Death Cover of up to Rs 2 lakhs

Access to a wide range of deals and offers, online and at retail stores

Enhanced security with a Chip Debit Card

Transaction limit of upto Rs. 2 lakhs at online and retail merchants

Acceptance-at-wide-range-of3online-and-retails-merchant

Acceptance at a wide range of online and retail merchants in India and abroad

Download Kotak Mobile Banking app today to pay with Scan & Pay

Enjoy faster payments using Samsung Pay on your Samsung Galaxy Smartphone

Swipe-your-style-with-Kotak-MyImage-Debit-Card-

Your City. Your Pride. Get it on your Kotak #PayShopMore Debit Card today!

Features and Benefits

Daily Transaction Limits within India and abroad:
- Purchase Limit: Rs. 2,00,000
- ATM Withdrawal: Domestic Rs. 40,000 | International: Rs. 50,000
Insurance Offered : You get the following complimentary insurance covers with your card:
- Lost Card Liability: Upto Rs. 2,50,000
- Purchase Protection Limit: Upto Rs. 50,000
- Personal Accidental Death Cover of up to Rs. 2,00,000. Click here for Terms and Conditions
Offers : Enjoy great offers round the year on a range of brands across dining, shopping , travel and more with your Kotak #PayShopMore Debit Card. Click here to know more.
Online PIN Generation – Forgot your PIN? Don’t worry. You can click here to generate your PIN instantly
Bharat QR Scan & Pay
- A secure and faster way to make purchases with your Kotak #PayShopMore Debit Card
- Look for the Bharat QR/mVISA logo and initiate payments through your Kotak Mobile Banking app
Click here to know more
Samsung pay
- A simple and secure way to pay with your Samsung Galaxy Smartphone
- It works almost everywhere you can swipe or tap your Kotak #PayShopMore Debit Card
Click here to know more.
Kotak MyImage
- We love our city with all our heart because it feels like home. Show your pride on your Kotak #PayShopMore Debit Card to the world with MyImage collection of designs.
- You may also choose from an exciting collection of images across multiple categories Click here to know more.
24 hours VISA Global Customer Assistance Services (GCAS) for:
- Lost/Stolen Card Reporting
- Emergency Card Replacement
- Miscellaneous Inquiries
For assistance in India, the toll free number for accessing these emergency services is 000 117 followed by 866 765 9644 when asked. You can also call us on our 24*7 Customer Contact Centre at 0091 22 6600 6022 to get the toll free numbers while calling from overseas locations

Disclaimer

In line with RBI guidelines, Kotak Debit Cards issued from 1st Oct’20 can only be used at domestic retail outlets for payments and ATMs, to know how to enable:

Domestic Online payments: Click here for Debit Cards issued from 1st Oct’20 – 6th Jan’21 and for cards issued from 7th Jan’21, click here
International usage, Contactless payments & Tokenization click here

Non chip Debit Cards issued on or after December 1, 2013 cannot be used outside India.

The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA wholesale exchange rate prevailing at the time of transaction.

Frequently Asked Questions

What is a Chip card?

A chip card has a microchip embedded in the kotak debit card. The chip is difficult to tamper with and therefore provides enhanced security to your transactions. You can get a Chip Kotak Debit Card issued by:

Logging into Kotak Net Banking. Click on Banking -> Debit Cards -> New Debit Card, or
Calling our 24-hour Customer Contact Centre at 1860 266 2666, or
Visiting nearest Kotak Mahindra Bank branch

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Will I be able to use my Kotak Debit Card for International transactions?

All Chip Kotak Debit Cards are by default enabled for international use.

All Magnetic Strip* (Non Chip) Kotak Debit Cards issued before December 1, 2013 are by default enabled for international use.
All Magnetic Strip* (Non Chip) Kotak Debit Cards issued on or after December 1, 2013 cannot be used outside India.

*If a customer is using Magnetic Strip (Non Chip) Kotak Debit Card for international transactions, then as a process, the customer is issued a chip kotak debit card in lieu of the magnetic strip kotak debit card (as per eligibility).

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What are the charges for using the Kotak Debit Card at other Bank's ATM?

Charges for using Kotak Debit Cards at other bank ATMs can be found in the below link:

Service Charges and Fees.

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How can I change daily ATM withdrawal and purchase limits of my Kotak Debit Card?

Call our 24-hour Customer Contact Centre at 1860 266 2666 to modify the limits up to the default limits. To increase limits more than the default limits, visit your nearest Kotak Mahindra bank branch.

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