Kotak Mahindra Bank, with its headquarters in Mumbai, is the fourth biggest private sector bank in India in terms of market capitalization. This bank may be one of those that offer maximum customized and need-based debit cards to their clientele.
Updated On - 05 Sep 2025
Features of Kotak Mahindra Bank Debit Card
Safe and Secure to use the card
Convenient to make transactions online and offline.
Widely Accepted
Bank provides you an Exiting Offers
Can make Unlimited ATM With drawals
Get Access to Airport Lounges and Complimentary Insurance.
Not only do they remove the need to take hard cash or cheques to handle funds or purchases, but they also come with several incredible perks. Let us see how in detail below.
How to Activate and Apply for Kotak Debit Card?
Given below are the steps to activate and apply for Kotak Debit Card:
For Any Queries related to Consumer Durable Loan, Smart EMI Card, Kotak Debit Card EMI call at 1860 266 7777 (Only Available from Monday to Saturday excluding Holidays)
Kotak Mahindra Bank Debit Card International Helpline Numbers
USA - 1855 365 6767
UK - 0080044990000
AUSTRALIA - 001180044990000
CANADA - 18557684020
HONG KONG - 00180044990000
SINGAPORE - 8001013054
Different Types of Kotak Debit Cards
Best Kotak Mahindra Bank Debit Cards with amazing benefits are as follows:
Get access to exciting offers and exclusive discounts.
It lets you do Tap & Pay/Contactless Payments.
It is integrated with Chip technology which makes your transaction secure.
The card is accepted in India and abroad.
Daily Fund Transaction Limit & Insurance Cover
Shopping Limit: Rs.1,00,000 per day
Withdrawing from ATM: Rs.25,000 per day
Accountability for Lost Card: Rs.2,50,000
Limit for your Purchase Cover*: Rs.50,000
Air Accident Insurance: Rs.5,00,000
2) Kotak Platinum Debit Card
Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.
Kotak Platinum Debit Card has access to all merchant establishments and ATMs which accept VISA cards in India and abroad.
Get fuel surcharge waiver of 2.5% at any petrol pump across India.
Enjoy exclusive access to over1,000 luxurious airport lounges in more than 130 countries using the priority pass.
Gain access at every mercantile and ATMs that receive VISA cards globally.
Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
It offers complimentary insurance cover, lost card liability, and purchase protection.
Daily Fund Transaction Limit
Shopping limit is Rs.2 lakh and the same for withdrawing cash from ATMs is Rs.75,000.
Insurance Cover
Accountability for Lost Card
Rs.2,50,000
Limit for your Purchase Cover
Rs.50,000
10) Kotak Gold Debit Card
Get access to all the merchant outlets and ATMs which accept VISA cards.
The chip card offers strong security.
Get fuel surcharge waiver of 2.5%.
Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
Daily Fund Transaction Limit
Card Features
Maximum amount
Shopping Limit
Rs.2,50,000
Withdrawing from ATM
Rs.1,00,000
Insurance Cover
Accountability for Lost Card
Rs.2,85,000
Limit for your Purchase Cover
Rs.75,000
Lost Luggage Protection
Rs.1 lakh
Air Accident Indemnification
Rs.15,00,000
11) Kotak Classic One Debit Card
Gain access at every mercantile and ATMs that receive VISA cards globally.
Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad
Gain access at every mercantile and ATMs that receive VISA cards globally.
Accessible as Chip Card only and comes with extra safety aspects.
Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world's biggest airport lounge access program offered by any bank.
Round-the-clock VISA Concierge is available and Global Customer Assistance.
Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
Daily Fund Transaction Limit
Shopping limit is INR 2 lacs and it is the same for withdrawing cash from ATMs too.
13) Kotak Mahindra Business Power Platinum Debit Card
Gain access at every mercantile and ATMs that receive VISA cards globally.
Accessible as Chip Card only and comes with extra safety aspects.
Priority Pass to gain access to over 700 plush VIP airport lounges in around 120 nations and 400 metros internationally. This is the world's biggest airport lounge access program offered by any bank.
Fabulous offers and rebates at Merchant Outlets in groups like Fine Dining, Travel, Lifestyle, Health and Fitness.
Get fuel surcharge on your every fuel purchases.
Ceaseless VISA Global Customer Assistance Services (GCAS) to report if your card gets lost or stolen, in case of emergency debit card replacement and to raise general queries or concerns from India or abroad.
Daily Fund Transaction Limit
Shopping limit is INR 2.5 lacs and the same for withdrawing cash from ATM is Rs.1,50,000.
In cases where a customer's debit card is lost or stolen, they will have to block it to prevent any misuse. The following are the methods and steps to block a Kotak Mahindra debit card.
Internet Banking
Kotak Mahindra Bank provides its customers with the facility of blocking their debit card using their internet banking website. The option is available on the website's home page and customers can report and block their debit card online.
Email
An email can be sent to the customer support desk to make a written request to block the customer's debit card. The bank will send a confirmation email when the card has been blocked.
SMS
Using the SMS facility, SMS DCBLOCK XXXX, where XXXX is the last four digits of your Kotak debit card number.
Customer Care Number
Customers can also call the Kotak Mahindra Bank toll free number to block their debit card. Call the 24 hour Customer Contact Centre of the bank at 1860 266 2666 and raise a request. The customer will have to provide details such as their account number, card CVV number, date of birth, and most recent transaction details.
Visiting the Nearest Bank Branch
If the above-mentioned options are not feasible, customers can visit the nearest Kotak Mahindra Bank branch and request for their debit card to be blocked.
Kotak Mahindra Debit Card Offers
Every Kotak Mahindra Debit Card offers unique discounts on special days such as Mother's Day, National Holidays, Raksha Bandha and more.
You also get great rebates and incredible offers from partner companies like Goibibo, pepperfry, agoda.com, Big Basket, YepMe, MakeMyTrip and more.
Yes. You can apply for Kotak Debit card offline by visiting your nearest branch.
What are the documents that are needed to be submitted while applying for a debit card?
You need to submit your ID proof, address proof, and bank account details while applying for a debit card.
What is the shopping limit of PayShopMore debit card?
The shopping limit of PayShopMore debit card is Rs.2,00,000.
Which is the best debit card offered by the Kotak Mahindra Bank?
Each debit card has its own benefits depending on the needs of the users.
Can I use my Kotak Mahindra Debit Card for global transactions?
All Chip Debit Cards are by norm designed for national as well as overseas use. Every (Non Chip) Debit Cards distributed prior to 1st December 2013 are made for global use and those fashioned after that cannot be utilized outside India.
In case I forget my PIN, how do I regenerate it?
You can restore your 6-digit Debit Card PIN by Log in to internet banking at www.kotak.com or log in to Kotak Mobile Banking App or Call their 24 hours Customer Service Centre and they will guide you on regenerating the PIN.
What is the eligibility benchmark to get Personal Accident Cover on my RuPay Debit Card?
The claim as per the Accidental Demise and/ or Permanent Disability must be owed only if the RuPay card user has performed at least one effective purchase (Point of Sale) at a mercantile or at ATM.
What can I do if I mislay my Kotak Debit Card abroad?
To notify bank the loss of your Kotak Debit Card, you can call the given numbers below and block the card.
How can I use the Temporary Block facility?
In case you misplace your Kotak debit card at home, office, or anywhere else that you think you can easily find it from, then you can use the Temporary Block facility on the bank's Net Banking portal. This feature works in real time and allows you to block the card temporarily. When you find your card, you can unblock it, as per your convenience. If you are unable to retrieve your card, you can contact the bank and permanently block the debit card.
What is a Chip card?
A Kotak debit card with a microchip embedded on the plastic is called a Chip card. This type of card is difficult to tamper with, and it provides increased security to your transactions.
Is it possible for me to change the daily ATM withdrawal and purchase limits of my Kotak debit card?
Yes, this is possible. You should call the 24 hour Customer Care Centre at 1860 266 2666 for modifying the limits, so that it reflects the default limits. In order to increase the default limits, you should visit the nearest branch of Kotak Mahindra Bank.
What is the transaction fee for swiping my Kotak debit card at fuel pumps and for booking railway tickets?
At fuel stations - Rs.10 or 2.5% of the transaction amount, whichever is greater and for Railway ticket booking at IRCTC - Up to 1.8% Payment Gateway charges.
When does the fuel surcharge waiver take effect?
For qualifying transactions done in a calendar month using eligible Kotak debit cards, the fuel surcharge is reimbursed by the 12th of the next month.
About the Author
Kankana Mukherjee
Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.
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