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Kotak Classic Debit Card combines the benefits of a regular ATM card and a payment card. This Debit Card is available in both VISA and MasterCard variants

  • Access at all merchant establishments and ATMs (refer Service Charges and Fees) that accept VISA cards in India and abroad1
  • Available as Magnetic Strip Card and Chip Card (Chip card provides additional security and is available on request at no additional cost)
  • Daily Limits for transaction within India and abroad:
    Card Features
    Purchase LimitRs. 1,50,000
    ATM WithdrawalRs. 50,000 / 75,000
  • Insurance Offered : You get following  complimentary insurance cover with your card:
    Lost Card LiabilityRs. 1,50,000
    Purchase Protection LimitRs. 50,000

    For more information, click here.

  • Get an SMS and Email alert on your registered mobile phone and Email ID for every transaction done using your Classic Debit Card.
  • Offers & Discounts at Merchant Outlets in categories such as Lifestyle, Fine Dining, Travel, Health and Fitness. Visit
  • 24 hours VISA Global Customer Assistance Services 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

Have questions, click here


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

1The 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


To apply for Kotak Mahindra Classic Debit Card, you need to hold any of the following accounts with the Bank.

Resident Indians

Non - Resident Indians


1Except customers of Easy accounts

New to Bank Customer: Visit your nearest Kotak Mahindra Bank branch.

Existing Customer: Visit your nearest Kotak Mahindra Bank branch, fill up the Channel Access Request form and submit it.

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