Frequently Asked Questions

What is netc@rd?

Kotak netc@rd is a secure payment solution from Kotak Mahindra Bank. Kotak netc@rd is an online virtual card, created through a debit to your account on Net Banking. You can then use this netc@rd to shop online at any merchant website which accepts VISA cards.

Was this information helpful to you? Yes No

What are the unique features of netc@rd?

The features are listed below:

  • The actual debit card number is never used in the online transactions. Therefore, there is no risk of the actual card number getting exposed during the online transaction on the merchant website.
  • netc@rd will be valid for a limited period only i.e. maximum 48 hours. This can however be changed by the Bank from time to time.
  • netc@rd can be used at any online merchant site that accepts Visa Cards, thereby providing a secure online payment facility.
  • After the end of the validity period of the netc@rd, such unutilized amount will be credited back to your account from which the card was created.
  • netc@rd can be created through Kotak Net Banking

Was this information helpful to you? Yes No

How safe is the Kotak Mahindra Bank netc@rd?

Please refer the below information:

  • Your netc@rd is created online in real time for an amount decided by you and valid for a limited period only i.e: maximum 48 hrs.
  • netc@rd is an online, single transaction card. Therefore it cannot be used more than once and only up to the limited validity period and cannot be used on a swiping machine.
  • On successful use of netc@rd the same cannot be used again.
  • As a matter of practice, you should create netc@rd just before the payment for the intended purchase, and use it immediately at your chosen Merchant site.

Was this information helpful to you? Yes No

Who all are eligible for availing of this product?

All resident Indian customers, NRE customers and foreigners who are registered for the net-banking channel access and have at least one valid current / savings account to which they have operating rights over Kotak Net-Banking, can avail of this product.

Was this information helpful to you? Yes No

How do I generate a netc@rd?

Go to and log on to Net Banking using your login ID (CRN) and password. Click on "netc@rd" tab post which you will receive an OTP at registered mobile number. Select the account from which you wish to draw funds for creating netc@rd and click OK to generate.

Was this information helpful to you? Yes No

Related Products