Kotak 811 Debit Card features and charges


The Kotak 811 Zero Balance Savings Account brings banking to your fingertips. It offers two debit cards—virtual and physical for the convenience of users. You can use them for shopping online, dining out, or traveling. They offer a secure and flexible payment solution for every customer's needs. They combine ease of use with various exclusive perks and benefits to make the banking experience much more convenient and rewarding. This guide will teach you about the available Kotak 811 Debit Card options, how to get a physical card, and tips to maximize benefits to make the most of the Kotak 811 savings account.

Available Types of Kotak 811 Debit Cards

  • Virtual Debit Card:
    • Availability: Issued instantly upon opening a Kotak 811 Limited or Full KYC account for all account variants (Lite, Limited KYC, Full KYC, Edge)
    • Cost: Free of charge without any annual charges.
    • Usage: Suitable for online shopping, bill payments, mobile/DTH recharges, and 'Scan & Pay' transactions at merchant outlets.
    • Spending cap: Spending cap of ₹1 lakh for Limited KYC; unlimited spending for Full KYC.

 

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  • Physical Debit Card:
    • Availability: Available to Kotak 811 Limited and Full KYC account holders upon request.
    • Cost: Then the bank charges an annual fee of ₹299 (inclusive of taxes).
    • Features: Allows ATM withdrawals, in-store purchases, POS swipes, online purchases, and contactless payments.
    • Offers: Cardholders enjoy exclusive discounts on shopping, dining, and travel.

How to Apply for Kotak 811 Physical Debit Card

  • Log in to the Kotak 811 Mobile App.
  • Go to the “Debit Card” section and click on “Request Physical Debit Card.”
  • Verify your details, such as name and address. Then pay the annual fee of ₹299 via the app.
  • Alternatively, you can also visit a Kotak Mahindra Bank branch or call 1860-266-0811 to request a physical card.

Where Can I Use the Virtual Debit Card

  • You can freely use it on e-commerce platforms like Amazon, Flipkart, and Myntra, and renewing subscriptions like Netflix and Spotify, along with making utility payments.
  • Link to Google Pay, PhonePe, or Paytm to make seamless transactions for daily purchases.
  • Use for food delivery (Zomato, Swiggy), cab bookings (Uber, Ola), or gaming platforms.

 

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Limitations of Kotak 811 Virtual debit card

  • Not usable for POS swipes or ATM withdrawals (requires physical card).
  • You can only spend upto ₹1 lakh total balance for limited KYC accounts

How to Use Kotak 811 Debit Card Smartly

  • Safety: Enable OTP alerts and never share card details or OTPs to prevent fraud.
  • Spending Limits: For Limited KYC, keep spends under ₹1 lakh; or upgrade to Full KYC for unlimited usage.
  • Offers: Check the app’s “Offers” section for exclusive discounts on dining, travel, or shopping with your card.
  • Regenerate Virtual Card:You can also regenerate the virtual card for free via the app under “Debit Card.”
  • Track Your Spending: Keep an eye on the bank statement to monitor card usage and avoid overspending.
  • KYC Upgrade: Complete Full KYC within 180 days to access a physical card and enjoy higher limits.
  • Quick Support: Contact 1860-266-0811 or email service.bank@kotak.com immediately for card-related issues like failed transactions.
  • ATM Usage: Use Kotak ATMs to avoid extra charges. It offers 4 free transactions in metro cities.

  

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Kotak Mahindra Bank Credit Card

Frequently Asked Questions

You can deposit cash at the nearest Kotak Mahindra Bank branch. Other options include net banking, payment gateway using your debit card, or NEFT/IMPS transfers.

The Kotak 811 account is valid for 12 months from the date of account opening.

Visit the nearest Kotak Mahindra Bank branch for in-person verification. You can also book an appointment through the mobile banking app or by calling 1860 266 2666. The process takes about 5 minutes once Aadhaar details are verified via biometric device.

It is a digital debit card available in your mobile banking app. It can be used for online shopping, bill payments, and mobile recharges.

Yes. After opening your 811 account, you can request a physical debit card for a charge of Rs.199 per annum.

It is a hybrid savings account offering features of both Kotak 811 and regular savings accounts. A minimum balance of Rs.10,000 is required. It includes a platinum chip debit card and free ATM transactions at Kotak branches. You can upgrade from 811 to 811 Edge.

Kotak uses advanced security features like firewalls and internal system encryption to safeguard your banking information.

Yes. You can open a Kotak 811 Lite account using your PAN and some additional details.

No. Joint accounts are not permitted under Kotak 811.

By default, Kotak 811 does not provide a cheque book. However, you can request one via the mobile banking app.

No. Since the Kotak 811 account is fully digital, it does not come with a physical passbook.

Yes. You can deposit funds through any Kotak Mahindra branch or electronically via NEFT or IMPS.