Scan and Pay Banking Services, Scan & Pay Procedure online - Kotak Bank

Frequently Asked Questions


Is my card a contactless card?

For Kotak Credit Cards issued before 1st Oct’20 : Look for the Contactless Indicator on your card. If your card has the contactless indicator, you can start using your card for contactless transactions immediately.

For Kotak Debit Cards issued from 1st Oct’20 : As per RBI guidelines, Contactless (Tap & Pay) feature has been disabled on your card, to know how to enable, click here.

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Is there a limit on the value of products I can purchase with Visa Contactless Card?

For transactions up to Rs. 5000 in India, you can pay simply by tapping your card on the Contactless Indicator  at payment terminal which supports contactless transactions. There is no need to even enter your credit card PIN. For transactions over Rs. 5000, insert/swipe your card followed by 6 digit PIN. International limits for Contactless transactions are governed by regulations of that country.

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Are Contactless cards as safe as a regular chip cards?

Contactless cards are as secure as any other chip card. They carry the same multiple layers of security, which ensures that you are safe from fraudulent or unauthorized transactions. You should keep your card safe and block it immediately if it is lost or stolen or you suspect unauthorized transactions.

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If I get too close to contactless terminal, is there a risk of the card getting charged accidentally?

No, the cashier will have to input the amount in the terminal to activate the reader before the card can be tapped. Also, the card must be held within 4 cm of the contactless reader.

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How can I apply for a payWave/contactless credit card?

All credit cards issued/replaced are enabled for payWave/contactless payments. In case your card doesn’t support contactless payments, you can place request for card replacement via Net banking/mobile banking or calling our customer experience centre at 1860 266 2666 (local charges applicable).

  •  Royale Signature Credit Card
  •  Privy League Signature Credit Card

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Don't have a Kotak Credit Card?