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

Debit Card - Platinum Debit Card from Kotak Bank

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Platinum Debit Card

Get used to being pampered with privileged services that comes with your Kotak Platinum Debit Card.

Access at all merchant establishments and ATMs that accept VISA cards in India and abroad

Enjoy Fuel Surcharge waiver (currently 2.5%) every time you purchase petrol at any petrol pump across the country.

Available as Chip Card only which has additional security features

Other Features

Daily Limits for transaction within India and abroad:
- Purchasing Limit: Rs. 3,00,000
- ATM Withdrawal: Rs. 1,00,000
Fuel Surcharge waiver on Visa Debit card is capped up to Rs. 30,000 worth of fuel purchases in a calendar month.
Fuel Surcharge waiver on Master Debit card is capped up to Rs. 20,000 worth of fuel purchases in a calendar month.
To know about Insurance cover please “click here”.
Offers & Discounts at Merchant Outlets in categories such as Lifestyle, Fine Dining, Travel, Health and Fitness.
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 our 24 hour 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/Master Card wholesale exchange rate prevailing at the time of transaction

The fuel surcharge will be levied at the time of fuel purchase and the same will be refunded in the subsequent month.

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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