Frequently Asked Questions

What is a Chip card?

A chip card has a microchip embedded in the kotak debit card. The chip is difficult to tamper with and therefore provides enhanced security to your transactions. You can get a Chip Kotak Debit Card issued by:

 

 

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Will I be able to use my Kotak Debit Card for International transactions?

All Chip Kotak Debit Cards are by default enabled for international use.

 
  • All Magnetic Strip* (Non Chip) Kotak Debit Cards issued before December 1, 2013 are by default enabled for international use.
  • All Magnetic Strip* (Non Chip) Kotak Debit Cards issued on or after December 1, 2013 cannot be used outside India.

*If a customer is using Magnetic Strip (Non Chip) Kotak Debit Card for international transactions, then as a process, the customer is issued a chip kotak debit card in lieu of the magnetic strip kotak debit card (as per eligibility).

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What are the charges for using the Kotak Debit Card at other Bank's ATM?

Charges for using Kotak Debit Cards at other bank ATMs can be found in the below link:

 Service Charges and Fees.

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How can I change daily ATM withdrawal and purchase limits of my Kotak Debit Card?

Call our 24-hour Customer Contact Centre at 1860 266 2666 to modify the limits up to the default limits. To increase limits more than the default limits, visit your nearest Kotak Mahindra bank branch.

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What are the Kotak Debit Card transaction fees if I swipe my card at fuel pumps or booking railway tickets?

The following transaction charges are applicable when you use the Kotak Debit Card at:

 

  • Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater).
  • IRCTC: For all IRCTC transactions, upto 1.8% Payment Gateway (PG) charges.

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