Kotak Mahindra Bank provides as many as 18 debit cards to cater to its large customer-base. A suitable Kotak debit card can help you shop seamlessly and save significantly with reward points, airport lounge access, insurance cover & more.
In this post, we will tell you about the best Kotak debit cards along with Kotak debit card pin generation & more. Let’s talk.
Best Kotak Debit Cards in 2023
Below-mentioned are the two best Kotak debit cards available:
Kotak Debit Card
Daily Limit Limit
Privy League Platinum
ATM: Rs 1.5 lakhs Shopping: Rs 3.5 lakhs
Privy League Signature
ATM: Rs 2 lakhsShopping: Rs 4 lakhs/Rs 4.5 lakhs
Note: Charges are inclusive GST
Types of Kotak Bank Debit Cards
Different types of Kotak debit cards are explained below:
Kotak 811 Dream Different Debit Card
This debit card has a joining fee of Rs 299 and comes with a card protection liability cover of up to Rs 2.5 lakhs. Also, there is 24×7 VISA Global customer service available. ATM daily limit: Rs 25,000 and daily shopping/purchasing limit or Rs 1 lakhs.
Kotak PayShopMore Debit Card
With daily ATM limit Rs 40,000 and daily shopping limit of Rs 2 lakhs, this Kotak PayShopMore debit card comes with zero annual fee along with international purchase limit of Rs 5 lakhs, daily.
Kotak Privy League Platinum Debit Card
This privy League Platinum debit card comes with higher usage limits of Rs 1.5 lakhs and Rs 3.5 lakhs for ATM withdrawal and purchasing. It also offers up to Rs 30,000 of discounts on fuel transactions.
Kotak Privy League Signature Debit Card
Kotak Privy League Signature debit card is a higher variant of the above-mentioned Platinum debit card. It offers daily ATM withdrawal limit of Rs 2 lakhs and up to Rs 4.5 lakhs purchases at POS/online (daily). Along with these, you get airport lounge access as well.
Platinum Debit Card
The Platinum Debit Card offered by Kotak offers access at all merchant establishment and ATMs in India and abroad. It offers ATM withdrawal limit of Rs. 2 lakhs and purchase limit of Rs. 3 lakhs. Along with this, you can enjoy fuel surcharge waiver of 2.5% at any petrol pump across the nation. In addition to this, you can access VIP airport lounges in over 130 countries.
Easy Pay Debit card
With Kotak Easy Pay Debit Card, you can easily manage and track your business expenses along with various benefits. It offers a daily ATM withdrawal limit of Rs. 25,000 and daily purchase limit of Rs. 50,000.
Kotak PVR Debit Card
It is India’s first ever movie debit card. With this card, you can earn PVR reward points every time you spend. Also, you can redeem the points at the PVR outlets for food & beverages or movie tickets. Along with this, you can avail daily ATM withdrawal limit of Rs. 1 lakh and daily purchasing limit of Rs. 3 lakhs.
Classic One Debit Card
With Classic One Debit Card, you can avail great deals and discounts online and at retail outlets. You can also avail a daily shopping limit of Rs. 10,000 and daily ATM withdrawal limit of Rs. 10,000.
Silk Platinum Debit Card
The Kotak Silk Platinum Debit Card is specially designed for the new age women to avail various lifestyle needs. For this, you can avail daily purchase limit of Rs. 2 lakhs, daily ATM withdrawal limit of Rs. 40,000 and international daily ATM withdrawal limit of Rs. 50,000.
RuPay Debit Card
Kotak RuPay Debit Card offers an amazing banking experience with access to all ATMs in India. You can also avail daily ATM cash withdrawal and shopping limit together of Rs. 10,000. In addition to this, Kotak offers Personal Accident Insurance of Rs.5 lakhs that covers accidental death and total permanent disablement.
Infinite Wealth Management Debit Card
Enjoy exclusive deals and discounts on Lifestyle, Dining, Travel and more with Kotak Infinite Wealth Management Debit Card. This card offers daily ATM withdrawal limit of Rs. 2.5 lakhs and daily purchasing limit of Rs. 5 lakhs. You can also avail 2 free airport lounge access per quarter calendar.
Gold Debit Card
With Kotak Gold Debit card, you can avail access at all merchant establishment and ATMs with daily purchasing limit of Rs. 2.5 lakh and daily withdrawal limit of Rs. 1 lakh. Apart from this, you can avail fuel surcharge waiver of up to 2.5% at any petrol pump across the nation.
Business Power Platinum Debit Card
The Business Power Platinum Debit card offers huge deals and discounts at merchant outlets in various categories. It offers daily purchasing limit within India and abroad of Rs. 3 lakhs and daily withdrawal limit of Rs. 1.5 lakhs.
World Debit Card
The World Debit Card offers complimentary access to airport lounges and privileged access to some of the finest golf courses in the country. Along with this, you can enjoy daily cash withdrawal limit of Rs. 1.5 lakhs and shopping limit of Rs. 3.5 lakhs.
Business Class Gold Debit Card
You can avail offers and discounts at merchant outlets including travel, dining, fitness and more. Also, you can avail daily purchasing limit of Rs. 2.5 lakhs and ATM withdrawal of Rs. 50,000. In addition to this, 24 hrs VISA Global Customer Assistance Service can be availed in case of any doubt or query.
RuPay India Debit Card
This card is termed as a perfect card for NRIs who travel often across India. You can avail daily purchase limit of Rs. 2 lakhs and ATM withdrawal limit of Rs. 40,000 within India. In addition to this, a complimentary insurance cover, lost card liability and purchase protection limit can be availed with this card.
Access India Debit Card
This card comes with high withdrawal limits and purchase limits. The Access India Debit Card is a perfect card for NRIs who travel often across the nation. The daily purchase limit is Rs. 2 lakh and daily ATM withdrawal limit is Rs. 75,000 within India.
Jifi Platinum Debit Card
The Jifi Platinum Debit Card comes with premium benefits for its customers. This card offers great deals and discounts at merchant outlets. With this card, you can avail daily withdrawal limits of Rs. 1 lakh and daily purchasing limit of Rs. 3 lakhs.
Nation Builders Debit Card
The Nation Builders Debit Card is specially designed to meet the monetary needs of government and public sector employees, including Mahratnas, Miniratnas and Navratnas. With this card, you can avail cash withdrawal limit of Rs. 1 lakh and purchase limit of Rs. 3 lakhs.
Kotak Junior Debit Cards
Kotak Junior Debit Card is a personalised debit card offered to minors. Minors can avail a cash withdrawal limit of Rs. 5,000 and purchase limit of Rs. 5,000.
Kotak Everyday Debit Card
How to Apply for Kotak Debit Card?
Kotak debit card apply process is very simple. You can either go to your nearby Kotak Mahindra Bank branch and inquire about it or go online. Before you visit the bank, we suggest you check the Kotak Bank timings.
Apply Kotak Debit Card Online
- Go to Kotak Bank website
- Click on Explore Products
- Move to Cards and select Debit Cards
- Choose either Existing Customer or New Customer tab
- If you’re an existing customer, you need to provide your CRN
- For new customers, you’ll be taken to the Application page
How to Generate Kotak Debit Card PIN?
To set the new Kotak debit card PIN, follow the steps explained here:
- Go to Kotak Mahindra Bank website
- Click on Service Request
- Hover your cursor over Debit and Credit Cards
- Choose the Generate PIN for all your Kotak Cards
- Select Debit Card option
- Select the network (Visa, MasterCard or Maestro)
- Enter your Kotak debit card details and Confirm
- Enter OTP as received on your regd. mobile number
- Create your PIN
If you’re having troubles in your Kotak debit card PIN generation, you can contact the Kotak customer care and resolve your issue instantly.
1860 266 0811
How to Generate Kotak Bank Debit Card PIN Physical?
If generating your Kotak Bank Debit Card PIN online is not preferred, you can opt to request a physical PIN. To do so, follow the steps provided below:
Step 1: Access the official website of Kotak Bank’s Internet Banking and log in with your username and password.
Step 2: Once logged in, navigate to the ‘Debit Card’ option and choose ‘Request for Physical PIN.’
Step 3: Select your debit card number and address, then click ‘Submit.’
Your request for a Physical PIN will be processed, and the PIN will be delivered to you within 7 business days. It is important to keep in mind that physical ATM charges are applicable and will be deducted from your account.
How to Generate Kotak Debit Card PIN at ATM?
To generate a Kotak Bank Debit Card PIN physically at the ATM, you can follow these steps:
- Visit any Kotak Bank ATM.
- Insert your Kotak Bank Debit Card into the ATM and select your preferred language.
- Enter your 6-digit Kotak Bank Debit Card number.
- Choose the “Set/Reset PIN” option.
- Select the “Generate Physical PIN” option.
- Enter your Kotak Bank registered mobile number and press “Confirm.”
- You will receive an OTP (One-Time Password) on your registered mobile number.
- Enter the OTP in the space provided on the screen and press “Confirm.”
- Now you can set your 6-digit PIN for your Kotak Bank Debit Card physically.
Alternatively, you can also visit any Kotak Bank branch and request the bank representative to help you generate a physical PIN for your Kotak Bank Debit Card. They will guide you through the process and help you set your preferred PIN.
How to Activate Kotak Debit Card?
To activate your Kotak debit card, all you need to do is visit your nearby Kotak Mahindra Bank ATM and insert your card in the machine. If you’ve received an OTP from the bank for debit card activation, use it to generate PIN.
Alternatively, you can go to the Kotak Bank’s website, click on Service Request > Debit and Credit Cards > Activate or Deactivate Your Card. You’ll be redirected to the Kotak card activation page. Enter your registered mobile number and your date or birth/Customer Relationship Number. Hit on Send OTP to receive the One Time Password. This is to authenticate your identity so that no one else misuses your Kotak debit card. After this, you’ll be able to activate Kotak debit card.
Kotak Debit Card EMI
Kotak Mahindra Bank offers its customers to convert their purchases into Smart EMIs using their Kotak debit card. The following are some of the features of Kotak Debit Card EMI or Smart EMI:
- Loans up to Rs 15 lakhs
- Repayment tenure from 6 to 24 months (6, 8, 9, 10, 12, 18 and 24 months)
- Instant loan approvals
- Minimum documents required
- PAN Card and
- Aadhaar Card (or Passport, Driving License, Election Card, etc.)
- Low to no down payment options
- Instant eligibility check option (SMS DCEMI<space><Last 4 digits of Kotak Debit Card> to 5676788)
- Minimal processing fee of Rs 99 onwards
- For all Indian nationals
If you want to know more, please call the Kotak Debit Card customer care number – 1860 266 7777.
Check debit cards offered by different banks:
Kotak Debit Card: FAQs
When talking of high withdrawal/purchasing limits, Kotak Privy League Signature & Platinum debit cards are good while Kotak 811 debit card is the flagship debit card by the bank.
Kotak 811 debit card has ATM withdrawal limit of Rs 25,000 and Rs 1 lakhs for shopping. This card is only for those who have Kotak 811 savings account (not 811 Lite).
You can go to any Kotak ATM and generate your Kotak debit card PIN. Online process is fairly simple too – this is how
Yes. Your Kotak debit card PIN would work at POS machines and ATMs alike.
Yes. Women having a Kotak Silk Women’s Saving account are provided with the Silk Kotak Debit Card. It had daily POS limit of Rs 2 lakhs with Rs 40,000 domestic and Rs 50,000 international ATM withdrawal limit.