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Features & Benefits of Savings Account

Kotak Bank’s Savings Accounts come with a wide range of features and benefits designed to make banking easy, simple, and rewarding. You’ll find customized benefits that elevate the experience for you at every step, right from the time of opening your Savings Account.

Earn FD-like interest up to 7%* p.a. in your Savings Account!

Everyday offers on shopping, dining, travel and more

Range of Savings Account designed to fit your specific requirements

24x7 convenience banking: Your bank, your time

Health insurance benefits

Types of Savings Accounts Designed To Meet Your Personalised Goals

Our streamlined account opening process lets you open a savings account and set up your bank account online effortlessly, ensuring personalized benefits for all. Check out the different types of Kotak Bank Savings Accounts below to find the perfect fit!

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811 Digital Bank Account

Free Virtual Debit Card

With amazing benefits!

7%* interest p.a. with ActivMoney
Hassle free a/c opening process
Cashback & Rewards on UPI Payments

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811 Edge Digital Bank Account

Platinum Chip Debit Card at just Rs. 199 p.a.
Instore purchase payments via Scan & Pay
Free online transfers (NEFT, RTGS, IMPS)

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EveryDay Savings Account

AMB Requirement Metro/Urban/Semi-Urban/Rural: Rs. 10,000
Enjoy offers on popular brands with Everyday Rupay Debit Card
Instant discounts up to 20% on BookMyShow and 30% on Eazydiner
Surprise rewards on monthly transaction milestones

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Ace Savings Account

Average Monthly Balance (AMB) requirement: Rs.50,000
15% discount on locker rentals
Free unlimited cash withdrawals at all ATMs
Lifestyle, fine dining, travel and fitness offers at merchant outlets

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Silk Savings Programme

A savings programme designed exclusively for women
Exclusive offers on Nykaa and Urban Company
Up to 1500 Reward Points and special offers on Kotak Silk Platinum Debit Card spends
Dedicated query resolution desk (
80-6969-5555)

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Grand - Savings Programme

Annual subscription to GetSetUp – a community exclusively for senior citizens
Enjoy attractive interest rates on Fixed Deposits
Upto 1500 Reward points on debit card spends by senior citizens
Flexibility in average Balance Maintenance

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Sankalp Savings Account

Rural – Rs, 2,500 (AQB)
Semi-Urban – Rs. 5,000 (AQB)

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Junior - The Savings Account for Kids

NMC^ waivers and zero balance benefits
Personalized Debit Card for your child
Exclusive privileges and discounts across kids’ brands

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My Family Savings Account

Convert excess savings to term deposits via Kotak ActivMoney
Flexibility for balance maintenance across multiple accounts
Home banking services

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Civil Pension

Conveniently receive Civil Pension directly in your Kotak Savings Account.
Non-maintenance charge (NMC) waiver for your Kotak Savings Account on the credit of your first pension.
Pensioners above 55 years of age enjoy the benefits and privileges of the Kotak Grand Savings Programme.

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