Everyday Account for Salaried Professionals | Kotak Mahindra Bank
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Spend Everyday, Save Everyday


Say goodbye to Non Maintenance Charges

Lifetime Zero Balance Account, subject to regular salary credit (1)


Get a power-packed Debit Card

Enjoy exclusive offers and discounts on your Everyday Debit Card, every day of the week


Who doesn't love an incentive?

Surprise rewards^ on achieving transaction milestones during the month


Offers for your special days

Special offers^ on your birthday and completion of your anniversary with the Bank


Spend Everyday, Save Everyday with these amazing offers

Introducing the Everyday Rupay Debit Card


Debit Card

Benefits of the Everyday Rupay Debit Card

  • Free Everyday Rupay Debit Card
  • Higher Daily Limits for transaction within India and abroad: Rs. 3,00,000
  • Higher ATM Withdrawal Rs 1,00,000/-
  • Higher Insurance Cover (T&C Apply)
  • Higher Insurance Cover comes with Lost Card Liability: Rs. 3,50,000 | Purchase Protection Limit: Rs. 1,00,000 | Lost Baggage Insurance: Rs. 1,00,000 | Air Accident Insurance: Rs. 50,00,000 | Personal Accidental Death cover of up to Rs 15,00,000 (T&C Apply)
  • Unlimited transactions at all ATMs in India on Everyday Rupay Debit Card
  • Note: The above benefits & offers are subject to review and change from time to time.
View Terms & Conditions

Other benefits

  • Free online funds transfer using NEFT, RTGS and IMPS.
  • Up to 3 Family Savings account free for immediate family members including Junior Accounts for Children.(2)
  • Free unlimited Payable At Par (Multi City) Cheque Book
  • PayDay Loan – Get advance up to Rs.1.5 Lakh on your salary disbursed in 3 seconds with interest rate starting at just Rs.1 per day(3)
  • Car finance with preferential rates offered by Kotak Mahindra Prime Limited, a Kotak Group Company(4)
  • Choose from a suite of Credit Cards to match your lifestyle(5)
  • Get a Free Investment Account and redeem or purchase from over 2,200 Mutual Funds online
  • Trinity Account which is a 3-in-1 combination of a Savings account, Demat account and Trading account(6)
  • Preferred brokerage rates on Trinity account from Kotak Securities on delivery (buy or sell)
  • Book Fixed Deposits and Recurring Deposits online at attractive interest rates
  • Net and Mobile Banking for convenient online banking.
  • Employee reimbursement account(7)
  • On-boarding offer of ₹250 welcome voucher on first salary credit (8)
  • Earn FD like interest in your Salary Account with ActivMoney, click here to know more

Terms & Conditions

  1. In case salary is not credited for two consecutive months, you will be required to maintain AMB as per the product variant mentioned above failing which applicable charges will be levied. For further details you may refer to GSFC on kotak.com.
  2. Family Savings Account with zero maintenance charges, subject to primary account holder crediting salary/pension. Family savings account will be opened with an initial payment cheque of Rs.10,000.
  3. Terms & Conditions Apply. Credit at the sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. For details please refer https://www.kotak.com/en/personal-banking/loans/payday-loan/features.html
  4. Car Loan and Car Lease disbursement will be subject to complete documentation and credit at the sole discretion of Kotak Mahindra Prime Ltd. Kotak Mahindra Prime is a subsidiary of Kotak Mahindra Bank Ltd. Car Loans available at select locations only.
  5. Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card terms and conditions. Please read the Credit Card terms and conditions carefully provided on the bank website kotak.com.
  6. Bank account is offered by Kotak Mahindra Bank Ltd., whereas Demat and Online trading accounts are offered by Kotak Securities.
  7. Reimbursement Account is offered as part of the Salary Account. Reimbursement Account shall be closed in case the Salary Account is closed or moved to any other scheme code.
  8. On-boarding voucher will be issued based on salary credit within 3 month post account opening. Voucher details will be communicated through email in the subsequent month based on qualification. This will be issued once in a month. This offer is applicable only to New to Bank customers subject to a minimum net salary credit of Rs.25000.
  9. Please click here for ActivMoney terms and conditions.

        ^All rewards & offers are subject to a maximum capping of Rs.250.

Ready to take the next step?


Disclaimer - W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only.

Please note, if your account is currently in dormant status, non-maintenance charges will not be applicable to the same. In order to activate your account, please visit your nearest Kotak Bank branch .

$Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges

Please click here for ActivMoney terms and conditions.

Terms and Conditions related to Voucher Benefit.


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