Kotak ItzCash Prepaid Card

1860 266 2666

Local call rates apply

Kotak and ItzCash Card present a multi-purpose reloadable prepaid card for Corporates. It is a convenient, efficient and secure way of managing corporate expenses. The card can be used countrywide on Visa network.

  1. Safety - Store your money safely on the Prepaid Card
  2. Accessibility - Access your funds from anywhere, anytime
  3. Convenience - A convenient way of carrying cash
  4. Card can be reloaded any number of times by the Corporate
  5. Accepted at all Visa network ATM, online and merchant outlets
  6. Pay utility bill online
  7. Book train, air and bus tickets online
  8. Book movie tickets
  9. Recharge mobile & DTH online
  10. Online shopping
  11. Shop at any merchant outlet
  12. ATM cash withdrawal (Cash withdrawal facility may vary from corporate to corporate)
  • 18 years and above

Expand All

What is a Prepaid Card?

A Prepaid Card is a financial instrument which can be preloaded with a designated amount in Rupees for subsequent use as per Cardholder's requirement. It empowers the customer and provides him control and convenience to use the card securely at online merchants, retail merchants (equipped with a point of sale terminal) and at ATMs once the customer fulfills general conditions while applying for the card.

Where can I use my Prepaid Card?

With your Prepaid Card you can:

  • Make utility bill payments online
  • Book travel and movie tickets online
  • Recharge mobile & DTH online
  • Shop online
  • Swipe anytime, anywhere on retail outlets or merchants that support the Visa network.

Is Kotak ItzCash Prepaid Card Reloadable?

Prepaid Card can be reloaded Maximum reloadable amount is Rs. 10,000 or Rs. 1,00,000 (basis type of card and balance on the card).

How to check balance on card?

To check the balance amount on your card

  • Visit: www.itzcash.com
  • Check at any ATM (charges applicable at non-Kotak ATMs)
  • Call ItzCash Contact Centre - 07666155220

How to use your Prepaid Card?

Swipe at Merchant Establishments:

  • Make payments over-the-counter at various shops, restaurants and outlets across India
  • Look for a Visa/Visa electron sign (indicating that the merchant has an electronic POS terminal)
  • Present the Prepaid Card when making payment
  • The Prepaid Card will be swiped by the merchant
  • Use ATM PIN when terminal prompts for PIN input.
  • Your account will be debited online for the purchase amount
  • A sales slip/receipt will be generated
  • Check the amount debited
  • Sign the sales slip to give approval of the transaction
  • Your signature must match that on the reverse of your Prepaid Card
  • Ensure your Prepaid Card is returned to you

Online Transactions:

The Prepaid Card facilitates online transactions for movie and travel ticket booking, shopping, DTH & mobile recharge and utility bill payments.


Easy Rail Ticket booking:

  • Visit www.irctc.co.in and log-in with your username and password (or register, if you are a new user)
  • Enter your boarding & destination station codes and select your journey date and class and select e-ticket and click on submit
  • Select your train. You can check the fare and availability of seats
  • Enter the details of the persons travelling (maximum of 6 people per ticket)
  • You will get the current availability status of your tickets
  • Click on the make payment button
  • Choose Cash Card option and select Prepaid Card from the list of payment options provided
  • Enter your card number (16 digit), CVV, expiry date of card & DOB to confirm the payment
  • Take a print of electronic reservation slip and carry the same at the time of your journey

Other online payments:

  • Log-in to the merchant's website or any of the ItzCash sites
  • Fill-in the payment details
  • Select the payment option - Cash Card/ItzCash Card
  • Provide the card details:
    Card number, Expiry date, CVV (refer the last 3 digits on the back of the card near signature panel), Cardholder Name, Date of birth
  • Click OK
  • Transaction will be processed

For websites other than ItzCash:

  • Select the payment option
  • Cash Card - ItzCash Card OR Credit Card - Select Visa OR Debit Card - Select Bank
  • Enter card details like:
    Cardholder name, Card number, Expiry date, CVV number(refer the last 3 digits on the back of the card near signature panel),Verified by Visa Internet Pin (IPIN)
  • Click OK
  • Transaction will be processed

Withdraw money from ATMs across India: (Cash Withdrawal facility can vary from Corporate to Corporate)

  • Go to any Visa Electron supported ATMs
  • Insert your Prepaid Card in the slot/dip reader provided
  • Select language
  • Enter your Prepaid Card ATM Pin
  • Select Savings Account
  • Select withdrawal
  • Enter the amount you wish to withdraw
  • Select transaction receipt on cash withdrawal
  • Select OK
  • Collect the money
  • Collect your Prepaid Card
  • Collect receipt if you had selected

Are there any offers or schemes available on the card?

For offers and schemes on Prepaid Card please visit www.itzcash.com or www.kotak.com/kotakoffers

Any information, I should know about before I shop?

At any merchant establishment do not let the merchant manually enter the card details on the POS (point of sale) as the payment will not go through. Always ensure the merchant swipes the card on the POS (point of sale terminal). Do not use the card for temporary transactions. If the same has been done, please ask the merchant to use the same authorization code for final settlement to avoid double debit.

What happens if the purchase amount is more than the balance amount?

If you try to purchase an item of greater value than your card balance, your transaction will be declined.

What is the process if I want to cancel a purchase?

If you want to cancel a purchase contact the merchant, who will raise a reversal against the charge slip which has been generated. It will take 2 days for the amount to reflect on your card, once the merchant raises the reversal. The merchant can raise a reversal within 30 days from the date of Merchant receiving the cancellation request. Contact your merchant for specific details. If you wish to discuss a disputed or declined transaction, you may contact ItzCash Call Centre at 07666155220.

What if one of the posted transactions on my account is not legitimate at merchant location?

To know the detailed process of disputing transaction, contact the Customer Call Centre on 07666155220.

What happens if I do not use my Prepaid Card?

If you do not use your Prepaid Card for a period of 6 months, inactive charges of Rs. 25 shall be applicable.

Can I use my Prepaid Card while travelling outside of India?

No, Prepaid Card can only be used within India. No foreign currency transactions are permitted.

What alerts will I receive?

You will receive an SMS alert on the registered mobile number for all Debit and Credit transactions.

What happens if my ATM/IPIN/IVR password gets locked?

Please contact the Customer Call Centre at 07666155220.

How can I Hot list my card

If you have lost or misplaced your Prepaid Card, you can hotlist (block) the card by calling the Customer Call Centre at 07666155220.

How do I know my card is genuine?

To ensure your Prepaid Card is genuine, look for the Visa hologram on the reverse of the card. Kindly ensure that when you purchase the Prepaid Card, the packaging is not tampered.

What is CVV code?

CVV code is a card verification code. It is a 3 digit code on the back of your Prepaid Card.

Any special information I should know about before I shop?

There are special types of transactions that you should know about.

IRCTC Railway Booking Transaction - IRCTC Railway Booking Transaction shall charge extra "Service Fee" to make online e-ticket booking. So make sure that your card has additional balance other than actual e-ticket cost to pay the service fee.

Restaurants - While signing the "Bill Receipt", if you have mentioned the tip amount on the bill receipt then additional tip amount will get debited from your card along with actual bill amount. Make sure you have enough funds to cover any added TIP.

Surcharge at petrol pumps* - Charges would be at the rate of 2.81% of the bill amount or Rs.10, whichever is higher. Service tax will be as applicable.

*Surcharges are subject to change.
(Other websites where you make utility bill payments will ask for a service fee as well.)

What is Verified by Visa?

Verified by Visa is a service developed by Visa that gives you added security when you shop online with your Prepaid Card. Verified by Visa provides you with a password to protect your online transactions just like you use your PIN at the ATM, giving you an added assurance that only you can use your Prepaid Card to make purchases over the internet.

How does Verified by Visa work and why is it needed?

Once your card is activated with the Verified by Visa service, your card number will be recognized whenever you make an electronic payment. Enter your Kotak - ItzCash Card Number and the online store will connect with ItzCash to check whether your card is secured with Verified by Visa. After you provide your card details online, you will be redirected to the authorization page to specify your Verified by Visa authentication details. Your identity will be verified. ItzCash will then confirm your identity to the merchant post and your transaction will get completed. You will get a confirmation once the transaction is processed.
Verified by Visa adds an additional level of authentication for online card transactions on websites. It ensures that only you can use your Visa Card to shop online from the Verified by Visa enabled merchant store / website and proceeds to the payment page.

Does Verified by Visa cost me anything?

No, there are no additional charges associated with this service.

Reissuance of lost/stolen card (applicable only for upgraded cards)

In the event of loss of your Prepaid Card, a new card will be issued to you within 7 working days of reporting the loss to Itz Cash Card Limited, after you pay the applicable fee. You can report the loss of your Prepaid Card to our Customer Call Centre at 07666155220.

What happens if my Prepaid Card expires?

You may request a new card through your corporate before your existing card expires. The balance amount from your existing card will be transferred to your new card. A reissuance amount will be debited from the available card balance.

Where can I refer the detailed Terms and Conditions?

For detailed Terms & Conditions refer www.itzcash.com and www.kotak.com/terms-conditions.html

For card details, queries or complaints:

  • Customer Call Centre: 07666155220 
  • Email ID: cardassistance@itzcash.com
  • Visit: www.itzcash.com
  • Query SMS Syntax: KOTAKQ<YOUR QUERY> to 57575
    e.g.: KOTAKQ Can I use my Prepaid Card for online transactions
  • Complaint SMS syntax: KOTAKCOM (LAST FOUR DIGIT OF YOUR CARD) to 57575
  • Balance check syntax: KOTAKBAL (LAST FOUR DIGIT OF YOUR CARD) to 57575
  • Corporate Office: Top 14th Floor, Times Tower, Kamala City, Senapati Bapat Marg,
    Lower Parel, Mumbai - 400013.
Register for Alerts & Services
Apply for Products
Tools & Calculators