Kotak Chip & PIN Credit Card

1860 266 2666

(24 X 7)

Secure your transactions with enhanced protection and convenience through your Kotak VISA Chip Credit Card

Experience enhanced security and added convenience with the EMV Chip and PIN Card as it processes data securely and is virtually impossible to copy or tamper with. It also protects against counterfeiting and skimming card frauds.

What is a EMV Chip and PIN Card?

What is a PIN?

What should I do with my old Card(s)?

How does a Chip and PIN Card work?

How does the Chip and PIN Card work?

Using Your Card

  • When you make a purchase, present your Kotak VISA Chip Credit Card at the Merchant establishment
  • Your card will be inserted into a chip reader and will be visible to you till the transaction is complete. In case the merchant establishment does not have a chip reader, the card can still be used with the help of the magnetic stripe
  • Please enter the PIN yourself when the machine prompts for PIN. Never reveal your PIN to anyone. Sign the Charge-slip post entering the PIN
  • If you suspect any fraud, contact us at our 24-Hour Customer Contact Centre immediately at 1860 266 2666
  • In case you have applied for an International card, the limit assigned on this card can be utilised completely for international transactions. Should you wish to reduce the limit on your credit card, please call our 24-Hour Customer Contact Centre at 1860 266 2666
  • Your credit limit is the total limit assigned to your card account for usage, including the usage of Add-on cards, if any

KOTAK CHIP and PIN CARD DO's

  • Note that your card is a Chip and PIN based card
  • Always enter the PIN yourself and then sign the charge-slip
  • Note that there would be merchants across the world using older technology terminals and hence, your card might also be swiped
  • In case your chip is not working, please call our 24-Hour Customer Contact Centre at 1860 266 2666

KOTAK CHIP and PIN CARD DON'Ts

  • Don't share your PIN or write it down anywhere
  • Do not reveal your PIN out loud or enter it when others are looking over your shoulder
  • If you damage the chip on the card accidentally, please ask for replacement by calling our 24-Hour Customer Contact Centre at 1860 266 2666
  • Do not share your Credit Card PIN with others
  • Don't let anyone enter the PIN on your behalf. Always enter the PIN yourself
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