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: Logging into Kotak Net Banking. Click on Banking -> Debit Cards -> New Debit Card, or Calling our 24-hour Customer Contact Centre at 1860 266 2666, or Visiting nearest Kotak Mahindra Bank branch

Apply for Rupay Debit Card Online

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RuPay Debit Card

Enjoy a superior banking experience with Kotak Mahindra Bank RuPay Debit Card.

Access at all ATMs in India, look for RuPay brand mark.

Daily ATM cash withdrawal and
shopping limit put together is Rs. 10,000

Personal Accident Insurance of Rs. 2,00,000 that covers accidental death and total permanent disablement.

Get an SMS/email alert on every transaction.

Disclaimer

In line with RBI guidelines, Kotak Debit Cards issued from 1st Oct’20 can only be used at domestic retail outlets for payments and ATMs, to know how to enable:

Domestic Online payments: Click here for Debit Cards issued from 1st Oct’20 – 6th Jan’21 and for cards issued from 7th Jan’21, click here
International usage, Contactless payments & Tokenization click here

In case of replacement or Renewal you will be issued PMJDY Debit card.

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:

Logging into Kotak Net Banking. Click on Banking -> Debit Cards -> New Debit Card, or
Calling our 24-hour Customer Contact Centre at 1860 266 2666, or
Visiting nearest Kotak Mahindra Bank branch

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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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