At Kotak Mahindra Bank ATMs
For your convenience, we have installed state of the art touch screen ATMs that allow you to access your accounts 24 hours a day.

At Kotak Mahindra Bank ATMs you can Check your account balance, Withdraw cash, Deposit cash/cheques, Transfer funds between your accounts with the Bank, Print Account Snapshot showing recent transactions, Order account statements, Request for a cheque book and Change your Personal Identification Number (PIN).

At Merchant Establishments
Your Classic Debit Card is welcome at over 5 lakhs Merchant Establishments in India and over 30 million Merchant Establishments the world over. You can access only your Primary Account* for transactions at Merchant Establishments.

*You can specify any account to be your Primary Account. In the absence of any instructions your first account opened with us will by default be treated as your Primary Account.

To activate your Classic Debit Card for use at Merchant Establishments, you will need to:
• Use your Debit Card at any Visa ATM OR
• SMS K POSACT D (D - Last 4 digits of your Debit Card) to 9971056767 / 5676788 OR
• Click on "Service Requests" link after logging into Net Banking under the Banking section OR
• Call our 24-hour Customer Contact Centre

At VISA/PLUS ATMs
You can use your Classic Debit Card at all Visa ATMs in India or abroad.

You can enquire on the balance in your account or withdraw cash.

At other Bank ATMs, you can access upto one savings account and current account (if your Primary Account is a savings account, then the first saving account opened by you can be accessed and vice versa).

Kotak Mahindra Bank Classic Debit Card works in 4 easy steps at Merchant Establishments, your account will be automatically debited for the amount of your purchase.

• Look for the Visa signage / logo
• Present your card to the merchant
• Card will be swiped through the electronic terminal and the amount will be entered
• Slip will be generated and you will have to sign the transaction slip

The limits depends on the Account maintained with the Bank

Card Features	Kotak Edge	Kotak Pro	Kotak Ace
Card c/w limit	25,000.00	25,000.00	75,000.00
POS limit	25,000.00	25,000.00	50,000.00
Cash @ POS	1,000.00	1,000.00	1,000.00
Per day limit	51,000.00	51,000.00	126,000.00

Use your Kotak Mahindra Bank Debit Cards at Kotak Mahindra Bank ATMs absolutely free. Charges for using the debit cards at other bank ATMs are governed by RBI regulations. For more information on charges, refer to the General Schedule of Fees & Charges.

Immediately inform our 24-hour Customer Contact Centre / visit any of our branches and request for a new card.

For your safety purpose, we send you a card which is in-active for usage at merchant establishments.

Your card can be activated by:
• Use your Debit Card at any VISA ATM OR
• SMS K POSACT D (D - Last 4 digits of your Debit Card) to 9971056767 / 5676788 OR
• Click on "Service Requests" link after logging into Net Banking under the Banking section OR
• Call our 24-hour Customer Contact Centre

Immediately inform our 24-hour Customer Contact Centre or visit any of our branches, hotlist your existing card and request for a new debit card.

On the Kotak Classic Debit Card the Lost Card Liability Insurance is an insurance provided by HDFC Ergo General Insurance Co. Ltd. covering fraudulent transactions on a lost or stolen card.

In case your Kotak Classic Debit Card is lost or stolen, HDFC Ergo General Insurance Co. Ltd. will reimburse the unauthorized purchase charges on your lost or stolen card, up to 30 days prior to your first reporting and 7 days post reporting the event to Kotak Customer Contact Centre.

We recommend that you read the policy document for further details.

Insurance is provided on the primary card, add-on and supplementary cards. Kotak Mahindra Bank will not responsible for any disputes arising out of any claims. All claims will be directly handled by HDFC Ergo General Insurance Co. Ltd.

HDFC Ergo General Insurance Co. Ltd. will not pay for any expenses or loss for:

• Transactions made on your lost or stolen Debit Card more than 30 Days prior to your first reporting the event to Kotak Customer Contact Centre.
• Any loss or damage arising out of Card transactions authorized using PIN issued to the Cardholder by the Bank
• Any loss or damage arising out of Internet Based transaction.
• Transactions made on your Debit Card if your Debit Card has not been lost or stolen
• ATMs cash withdrawal made with your lost or stolen Debit Card;
• Transactions made by a resident of your household, or by a person entrusted with your Debit Card.
• For details do read the policy wordings.

The sum insured is 75,000 for a year.

Surely, the insurance cover will hold up to the amount, regardless of the number of times the card may be lost / stolen.

You need to immediately inform the Bank by calling the Call our 24-hour Customer Contact Centreor by visiting any Kotak Mahindra Bank branch and get your Kotak Classic Debit Card hotlisted. In case of any fraudulent transactions that may have taken place on the debit card, you will need to lodge a claim by submitting the documents as and when required by HDFC Ergo General Insurance Co. Ltd.

You can claim fraudulent transactions by using simple steps:

Contact HDFC Ergo General Insurance Co. Ltd. Call centre and mention your lost Kotak Classic Debit Card no. to notify the claim.

• Toll free: 1800-270-0700
• bankclaims@hdfcergo.com

Or,
You can call our 24-hour Customer Contact Centre for further assistance.

Kotak Mahindra Bank gives you complimentary insurance cover on your Kotak Classic Debit Card.

All consumer durable goods purchased using your Classic Debit Card are insured against fire, natural calamity, burglary and housebreaking upto 90 days from the date of purchase subject to the terms and conditions of the HDFC Ergo General Insurance Co. Ltd availed by the Bank.

We recommend that you read the policy document for more details.

Sum insured per person is 50,000

Need to lodge a claim by submitting the documents as and when required by HDFC Ergo General Insurance Co. Ltd.

Cardholder can claim loss under purchase protection for purchase transactions by using simple steps:

Contact HDFC Ergo General Insurance Co. Ltd Call centre and mention the Classic Debit Card No. to notify the claim.

• Toll free: 1800-270-0700
• E-mail: bankclaims@hdfcergo.com