Kotak Mahindra Bank Debit Card

Kotak Mahindra Bank, with its headquarters in Mumbai, is the fourth biggest private sector bank in India in terms of market capitalization. This bank may be one of those that offer maximum customized and need-based debit cards to their clientele.

Updated On - 06 Sep 2025
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Features of Kotak Mahindra Bank Debit Card

  1.  Safe and Secure to use the card
  2. Convenient to make transactions online and offline.
  3. Widely Accepted
  4. Bank provides you an Exiting Offers
  5. Can make Unlimited ATM With drawals
  6. Get Access to Airport Lounges and Complimentary Insurance.
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Not only do they remove the need to take hard cash or cheques to handle funds or purchases, but they also come with several incredible perks. Let us see how in detail below.

How to Activate and Apply for Kotak Debit Card?

Given below are the steps to activate and apply for Kotak Debit Card:

Step 1: Visit Kotak Bank offiacial website at https://www.kotak.com/en/transaction-services/apply-new-card.html.

Step 2: Enter your mobile number and date of birth.

Step 3: Click on ‘Send OTP’.

Step 4: You will be redirected to the next page for confirmation.

Kotak Customers also Learn more on How to Genarate PIN for Kotak Debit Card

Eligibility Criteria for Kotak Debit Card 

Given below are the eligibility criteria for Kotak Debit Card: 

  1. You need to hold a savings or current account with Kotak Mahindra Bank. 
  1. You need to be at least 18 years old. 
  2. You should be the citizen of India.

Kotak Debit Card Customer Care Number

For Any Queries related to Consumer Durable Loan, Smart EMI Card,  Kotak Debit Card EMI call at 1860 266 7777 (Only Available from Monday to Saturday excluding Holidays)

Kotak Mahindra Bank Debit Card International Helpline Numbers

  1. USA - 1855 365 6767
  2. UK - 0080044990000
  3. AUSTRALIA - 001180044990000
  4. CANADA - 18557684020
  5. HONG KONG - 00180044990000
  6. SINGAPORE - 8001013054
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Different Types of Kotak Debit Cards

Best Kotak Mahindra Bank Debit Cards with amazing benefits are as follows:

  1. #811 Dream Different Debit Card
  2. Kotak Platinum Debit Card
  3. Kotak PVR Debit Card
  4. #PayShopMore Debit Card
  5. Classic One Debit Card
  6. Privy League Platinum Debit Card
  7. Kotak World Debit Card
  8. Privy League Signature Debit Card
  9. Infinite Wealth Management Debit Card
  10. Silk Platinum Debit Card
  11. Business Power Platinum Debit Card
  12. RuPay Debit Card
  13. Kotak Pay Shop More Debit Card
  14. Kotak MyImage Debit Card
  15. Kotak Netc@rd
  16. Kotak Mahindra Bank Signature Pro Debit Card
  17. Kotak Mahindra Bank Associate Card

1) #811 Dream Different Debit Card

  1. Get access to exciting offers and exclusive discounts.
  2. It lets you do Tap & Pay/Contactless Payments.
  3. It is integrated with Chip technology which makes your transaction secure.
  1. The card is accepted in India and abroad.

Daily Fund Transaction Limit & Insurance Cover

Shopping Limit: Rs.1,00,000 per day

Withdrawing from ATM: Rs.25,000  per day

Accountability for Lost Card: Rs.2,50,000

Limit for your Purchase Cover*: Rs.50,000

Air Accident Insurance: Rs.5,00,000

2) Kotak Platinum Debit Card

  1. Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.
  2. Kotak Platinum Debit Card has access to all merchant establishments and ATMs which accept VISA cards in India and abroad.
  1. Get fuel surcharge waiver of 2.5% at any petrol pump across India.
  2. Enjoy exclusive access to over1,000 luxurious airport lounges in more than 130 countries using the priority pass.
  3. Accountability for Lost Card: Rs.2 lakh
  4. Limit for your Purchase Cover: Rs.2 lakh
  5. Lost Luggage Protection: Rs.1 lakh
  6. Air Accident Indemnification: Rs.50 lakhs
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Daily Fund Transaction Limit

Card Perks

Kotak Edge

Kotak Pro

Kotak Ace

Shopping Limit

Rs.3 lakh 

Rs.3 lakh

Rs.3 lakh

Withdrawing from ATM

Rs.3 lakh

Rs.50,000

Rs.2 Lakh

3) Kotak PVR Debit Card 

  1. Get Kotak PVR Debit Card offers Food and Beverages voucher worth Rs.500.
  2. Provides exciting deals and discounts from leading brands.
  3. It offers fast, safe and secure contactless card using experience.
  4. Get 2.5% fuel surcharge.

Daily Fund Transaction Limit & Insurance Cover Details

  1. Shopping Limit:  Rs.3,00,000 per day
  2. Withdrawing from ATM: Rs.1,00,000 per day
  3. Accountability for Lost Card: Rs.3,50,000
  4. Limit for your Purchase Cover*: Rs.1,00,000
  5. Air Accident Insurance:  Rs.50,00,000

4) PayShopMore Debit Card

  1. Get access to the large number of deals and offers. 
  2. Get strong security with chip debit card. 
  3. It is accepted at various online and offline merchants in India and abroad.

Daily Fund Transaction Limit & Insurance Cover Details

  1. Shopping Limit:  Rs.2,00,000 per day
  2. Withdrawing from ATM: Rs.40,000 (domestic) & 50,000 (International)
  3. Accountability for Lost Card: Rs.2,50,000
  4. Limit for your Purchase Cover*  Rs.50,000
  5.  Air Accident Insurance: Rs.5,00,000
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5) Infinite Wealth Management Debit Card

  1. Infinite Wealth Management Debit Card provides access at all merchant establishments and Automated Teller Machines (ATMs). 
  2. Being a Chip Card, it is more secured. 
  1. Provides excusive offers and rewards on dining, lifestyle, travel, health and fitness.
  2. Get 2.5%fuel surcharge waiver on every purchase. 
  3. Up to Rs.13.75 lakhs emergency travel medical insurance cover. 
  4. Get two quarterly access of airport lounges. 
  5. 24/7 VISA Global Customer Assistance Services. 

Daily Fund Transaction Limit

Shopping limit is INR 5 lacs and the same for withdrawing cash from ATMs is INR 4 lacs.

Insurance Cover

  1. Lost Card Accountability: Rs.5 lakh
  2. Purchase Cover Limit: Rs.1,50,000 lakh
  3. Lost (or stolen) Luggage Insurance: Rs.1 lakh
  4. Air Accident Cover: Rs.5 crores
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6) Kotak Mahindra RuPay Debit Card

  1. Enjoy access to every Indian ATM with a RuPay logo
  2. ATM money withdrawal upper limit for a day is Rs.10,000
  3. Personal accident cover of Rs.5 lakh on Kotak Mahindra RuPay Debit Card
  4. SMS or email alert on your given mobile number and email id for each card transaction

7) Kotak Privy League Signature Debit Card

  1. Get access to various retail outlets and ATMs that accept VISA card in India and abroad. 
  2. Kotak Privy League Signature Debit Card Provides fuel surcharge waiver of 2.5%.
  3. Get exciting discounts and offers at dining, travel, lifestyle, health and fitness. 
  4. Get Priority Pass Access. 
  5. 24/7 VISA Global Customer Assistance Services. 
  1. Insurance offered on lost card, purchase protection, personal accident, lost baggage, and air accident. 
  2. One free lounge access per quarter. 

Daily Fund Transaction Limit

Shopping limit is INR 4 lacs and the same for withdrawing cash from ATMs is INR 3 lacs.

Insurance Cover

Accountability for Lost Card

Rs.4 Lakh

Limit for your Purchase Cover

Rs.1.5 Lakh

Lost Luggage Protection

Rs.1 Lakh

Air Accident Indemnification

Rs.1 Crore

8) Kotak Privy League Platinum Debit Card

  1. Accessible at all merchant outlets and ATMs which accept VISA cards in India and abroad. 
  2. As kotak privacy legue platinum is a chip card, you will get additional security. 
  1. Get fuel surcharge waiver at any petrol pumps in India. 
  2. Provides exciting deals and offers on dining, lifestyle, travel, health and fitness. 
  3. Enabled with payWave for faster and contactless payments. 
  4. Insurance offered for lost card, purchase, lost baggage, personal accident, and air accident. 
  5. 24/7 Global Customer Assistance Services on your VISA card. 
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Transaction limit per day

Card Aspects

Prima

Magna

Shopping Limit

Rs.2.5 Lakh

Rs.2.5 Lakh

Limit to withdraw from ATM

Rs.2 Lakh

Rs.2.5 Lakh

Insurance Cover

Accountability for Lost Card

Rs.2.5 Lakh

Limit for your Purchase Cover

Rs.1 Lakh

Lost Luggage Protection

Rs.1 Lakh

Air Accident Indemnification

Rs.50 lakh

9) Kotak Mahindra Access India Debit Card

  1. Gain access at every mercantile and ATMs that receive VISA cards globally.
  2. Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
  3. It offers complimentary insurance cover, lost card liability, and purchase protection. 

Daily Fund Transaction Limit

Shopping limit is Rs.2 lakh and the same for withdrawing cash from ATMs is Rs.75,000.

Insurance Cover

Accountability for Lost Card

Rs.2,50,000

Limit for your Purchase Cover

Rs.50,000

10) Kotak Gold Debit Card

  1. Get access to all the merchant outlets and ATMs which accept VISA cards.
  2. The chip card offers strong security.
  3. Get fuel surcharge waiver of 2.5%.
  4. Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
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Daily Fund Transaction Limit

Card Features

Maximum amount

Shopping Limit

Rs.2,50,000

Withdrawing from ATM

Rs.1,00,000

Insurance Cover

Accountability for Lost Card

Rs.2,85,000

Limit for your Purchase Cover

Rs.75,000

Lost Luggage Protection

Rs.1 lakh

Air Accident Indemnification

Rs.15,00,000

11) Kotak Classic One Debit Card

  1. Gain access at every mercantile and ATMs that receive VISA cards globally.
  2. Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
  3. Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad

Daily Fund Transaction Limit

Card Features

Kotak Edge

Kotak Pro

Kotak Ace

Shopping Limit

Rs.1.5 lakh

Rs.1.5 lakh

Rs.1.5 lakh

Withdrawing from ATM

Rs.10,000

Rs.50,000

Rs.75,000

Insurance Cover

Accountability for Lost Card

Rs.1.5 lakh

Limit for your Purchase Cover

Rs.50,000

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12) Kotak Mahindra Jifi Platinum Debit Card

  1. Gain access at every mercantile and ATMs that receive VISA cards globally.
  2. Accessible as Chip Card only and comes with extra safety aspects.
  3. Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world's biggest airport lounge access program offered by any bank.
  4. Round-the-clock VISA Concierge is available and Global Customer Assistance.
  5. Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.

Daily Fund Transaction Limit

Shopping limit is INR 2 lacs and it is the same for withdrawing cash from ATMs too.

Insurance Cover

Accountability for Lost Card

Rs.2 lakhs

Limit for your Purchase Cover

Rs.1 Lakh

Lost Luggage Protection

Rs.1 Lakh

Air Accident Indemnification

Rs.50 lakhs

13) Kotak Mahindra Business Power Platinum Debit Card

  1. Gain access at every mercantile and ATMs that receive VISA cards globally.
  2. Accessible as Chip Card only and comes with extra safety aspects.
  3. Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world's biggest airport lounge access program offered by any bank.
  4. Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
  5. Get fuel surcharge on your every fuel purchases. 
  6. Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.

Daily Fund Transaction Limit

Shopping limit is INR 2.5 lacs and the same for withdrawing cash from ATM is Rs.1,50,000.

Insurance Cover

Accountability for Lost Card

Rs.3,50,000

Limit for your Purchase Cover

Rs.1 lakh

Lost Luggage Protection

Rs.1 lakh

Air Accident Indemnification

Rs.50,00,000

14) Kotak Mahindra Business Class Gold Debit Card

  1. Gain access at every mercantile and ATMs that receive VISA cards globally.
  2. Accessible as Magnetic Strip as well as Chip Card with added protection.
  3. Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.

Daily Fund Transaction Limit

Card Features

Kotak Edge

Kotak Pro

Shopping Limit

Rs.2,50,000

Rs.2,50,000

Withdrawing from ATM

Rs.50,000

Rs.50,000

Insurance Cover

Accountability for Lost Card

Rs.2,50,000

Limit for your Purchase Cover

Rs.1,00,000

Lost Luggage Protection

Rs.1,00,000

Air Accident Indemnification

Rs.50,00,000

15) Kotak World Debit Card

  1. This is a chip card, providing increased transaction security. All debit cards that are chip-enabled can be used internationally as well. 
  2. Get privileged access or special MasterCard rates at the best golf courses. 
  3. Get complimentary access to select airport lounges across the country. 
  4. Provides complimentary air accident insurance cover. 

Daily Fund Transaction Limit

Card Features

Maximum amount

Shopping Limit

Rs.3,50,000

Withdrawing from ATM

Rs.1,50,000

Insurance Cover

Accountability for Lost Card

Rs.2,00,000

Limit for your Purchase Cover*

Rs.1,00,000

Air Accident Insurance

Rs.20,00,000

* All items bought with the Kotak World Debit Card are protected against fire, housebreaking, and burglary for up to 60 days from the purchase date.

16) Easy Pay Debit Card

  1. Kotak Easy Pay Debit Card allows you to track your daily expenses on a real time basis. 
  2. Instant payment system has been integrated. 
  3. Get monthly e-statements for each Easy Pay account. 
  1. Sends mobile alerts on your registered contact number after every transaction you have made. 

Daily Fund Transaction Limit

Card Features

Maximum amount

Shopping Limit

Rs.50,000

Withdrawing from ATM

Rs.25,000

Insurance Cover

Accountability for Lost Card

Rs.50,000

Limit for your Purchase Cover*

Rs.50,000

Air Accident Insurance

Rs.50,00,000

How to Block Kotak Mahindra Debit Card?

In cases where a customer's debit card is lost or stolen, they will have to block it to prevent any misuse. The following are the methods and steps to block a Kotak Mahindra debit card.

Internet Banking

Kotak Mahindra Bank provides its customers with the facility of blocking their debit card using their internet banking website. The option is available on the website's home page and customers can report and block their debit card online.

Email

An email can be sent to the customer support desk to make a written request to block the customer's debit card. The bank will send a confirmation email when the card has been blocked.

SMS

Using the SMS facility, SMS DCBLOCK XXXX, where XXXX is the last four digits of your Kotak debit card number. 

Customer Care Number

Customers can also call the Kotak Mahindra Bank toll free number to block their debit card. Call the 24 hour Customer Contact Centre of the bank at 1860 266 2666 and raise a request. The customer will have to provide details such as their account number, card CVV number, date of birth, and most recent transaction details.

Visiting the Nearest Bank Branch

If the above-mentioned options are not feasible, customers can visit the nearest Kotak Mahindra Bank branch and request for their debit card to be blocked.

Kotak Mahindra Debit Card Offers

  1. Every Kotak Mahindra Debit Card offers unique discounts on special days such as Mother's Day, National Holidays, Raksha Bandha and more.
  2. You also get great rebates and incredible offers from partner companies like Goibibo, pepperfry, agoda.com, Big Basket, YepMe, MakeMyTrip and more.

FAQs on Kotak Debit Card

  • Can I apply for Kotak Debit Card offline?

    Yes. You can apply for Kotak Debit card offline by visiting your nearest branch. 

  • What are the documents that are needed to be submitted while applying for a debit card?

    You need to submit your ID proof, address proof, and bank account details while applying for a debit card. 

  • What is the shopping limit of PayShopMore debit card?

    The shopping limit of PayShopMore debit card is Rs.2,00,000. 

  • Which is the best debit card offered by the Kotak Mahindra Bank?

    Each debit card has its own benefits depending on the needs of the users. 

  • Can I use my Kotak Mahindra Debit Card for global transactions?

    All Chip Debit Cards are by norm designed for national as well as overseas use. Every (Non Chip) Debit Cards distributed prior to 1st December 2013 are made for global use and those fashioned after that cannot be utilized outside India.

  • In case I forget my PIN, how do I regenerate it?

    You can restore your 6-digit Debit Card PIN by Log in to internet banking at www.kotak.com or log in to Kotak Mobile Banking App or Call their 24 hours Customer Service Centre and they will guide you on regenerating the PIN.

  • What is the eligibility benchmark to get Personal Accident Cover on my RuPay Debit Card?

    The claim as per the Accidental Demise and/ or Permanent Disability must be owed only if the RuPay card user has performed at least one effective purchase (Point of Sale) at a mercantile or at ATM.

  • What can I do if I mislay my Kotak Debit Card abroad?

    To notify bank the loss of your Kotak Debit Card, you can call the given numbers below and block the card.

  • How can I use the Temporary Block facility?

    In case you misplace your Kotak debit card at home, office, or anywhere else that you think you can easily find it from, then you can use the Temporary Block facility on the bank's Net Banking portal. This feature works in real time and allows you to block the card temporarily. When you find your card, you can unblock it, as per your convenience. If you are unable to retrieve your card, you can contact the bank and permanently block the debit card.

  • What is a Chip card?

    A Kotak debit card with a microchip embedded on the plastic is called a Chip card. This type of card is difficult to tamper with, and it provides increased security to your transactions.  

  • Is it possible for me to change the daily ATM withdrawal and purchase limits of my Kotak debit card?

    Yes, this is possible. You should call the 24 hour Customer Care Centre at 1860 266 2666 for modifying the limits, so that it reflects the default limits. In order to increase the default limits, you should visit the nearest branch of Kotak Mahindra Bank.

  • What is the transaction fee for swiping my Kotak debit card at fuel pumps and for booking railway tickets?

    At fuel stations - Rs.10 or 2.5% of the transaction amount, whichever is greater and for Railway ticket booking at IRCTC - Up to 1.8% Payment Gateway charges.

  • When does the fuel surcharge waiver take effect?

    For qualifying transactions done in a calendar month using eligible Kotak debit cards, the fuel surcharge is reimbursed by the 12th of the next month.

About the Author

author

Kankana Mukherjee

Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.

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