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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.
The following debit cards are enabled for Contactless feature. You can apply for any one of them through net banking or other channels based on your eligibility:
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.
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.
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.
No, the terminals are designed to make only one transaction per card at a time.
No. Either one of the two cards may be read depending on which card is closer and has a better antenna. The cashier can check which card has been charged by reading the last 4 digits of the card. However, we recommend you to tap only one card at a time.
At all merchant stores where Contactless Indicator is visible at the payment terminal or at checkout counter.