Kotak Mahindra Bank is one of the biggest private-sector banks in India. It is renowned for offering a wide range of international debit cards, focusing on the needs of frequent travellers and students planning to study abroad. These cards are widely accepted and safe to use. Indian citizens holding a savings or current account with the bank can easily apply. You can apply for one that meets your preferences and needs. In this blog, let’s explore all the major details related to Kotak Mahindra International debit cards.
Table of contents
- Kotak Mahindra International Debit Cards
- Kotak Mahindra International Debit Cards Benefits
- Who is Eligible for Kotak Mahindra International Debit Cards?
- Types of Kotak Mahindra International Debit Cards
- Features of Kotak Mahindra International Debit Cards
- How do you enable International Payments on Kotak Mahindra Debit Cards?
- Kotak Mahindra International Debit Card Charges
- Kotak Mahindra International Debit Cards Transaction Limits
- Kotak Mahindra International Debit Cards with Lounge Access
- Helpline Numbers for Kotak Mahindra International Debit Cards
- How to Apply for Kotak Bank International Debit Cards?
- FAQs
Kotak Mahindra International Debit Cards
Debit cards issued by Kotak Mahindra Bank can be used internationally. They are the perfect travel companion abroad, offering hassle-free payments and cash withdrawals worldwide.
Kotak Mahindra international debit cards are accepted at more than 50 million retail outlets and provide access to over 3 million ATMs. This ensures that you can shop and access cash effortlessly while travelling internationally.
- You can make secure online payments for everything from electronics and music to university fees, hotel bookings, and tour packages.
- The card is embedded with a chip and multiple encryption layers, providing added security for every transaction.
- Most Kotak international debit cards offer a cross-currency mark-up of 1.5%, unlike other banks that charge 3.5%. However, these can be avoided by considering some of the popular zero Forex mark-up credit cards.
Also Read: Know all about Kotak Mahindra Bank education loan interest rates and get student loans with attractive benefits to pursue higher education abroad.
Kotak Mahindra International Debit Cards Benefits
Like Kotak credit cards, Kotak Mahindra International Debit Cards offer a range of features and benefits. This makes them an ideal choice for individuals who frequently travel or shop internationally.
They are designed to provide convenience, security, and rewards, ensuring a seamless banking experience both at home and abroad. Check out the benefits here-
- You can use Kotak International Debit Cards at millions of merchants and ATMs worldwide.
- The card allows transactions in multiple currencies without the need for currency conversion.
- They are equipped with EMV chip technology, providing enhanced security against fraud and unauthorized transactions.
- You can receive instant notifications for all transactions via SMS or email, helping them monitor their spending.
- You can earn reward points on every transaction, which can be redeemed for various offers, discounts, and gifts.
- You can enjoy complimentary insurance coverage for personal accidents and purchase protection linked to the card.
- Kotak Mahindra international debit cards offer complimentary access to airport lounges, enhancing the travel experience for frequent flyers.
- These cards support contactless payments, allowing for quick and secure transactions without entering a PIN for small amounts.
- You get access to 24/7 customer service, ensuring that any issues or queries regarding your debit card can be resolved promptly.
Who is Eligible for Kotak Mahindra International Debit Cards?
Kotak Mahindra International Debit Cards are designed for a range of customers, catering to different needs and financial profiles. Whether you are a frequent traveller, an international student, or a business owner, there is an ideal Kotak Mahindra debit card available for you.
However, you must fulfil the eligibility requirements before applying for a Kotak debit card that is suitable for your lifestyle and spending habits. Here’s the eligibility criteria for Kotak Mahindra international debit cards-
- You must be an Indian citizen. However, Non-Resident Indians (NRIs) can also apply for specific debit cards designed for them, such as the NRE/NRO Debit Card.
- You must be at least 18 years old. However, the Young Star Debit Card is available for individuals aged 18-25.
- You must have an active savings or current account with Kotak Mahindra Bank.
- You may need to provide income proof or financial statements to assess eligibility.
- You must complete the Know Your Customer (KYC) process, providing necessary identification and address proof as per regulatory requirements.
Types of Kotak Mahindra International Debit Cards
Kotak Mahindra Bank offers 27 different types of debit cards, including RuPay, VISA, and MasterCard variants. Business owners can apply for Kotak Business Debit Cards, which come with features tailored for business transactions, both domestic and international.
Students are eligible for the Young Star Debit Card. These are designed to cater to their unique banking needs, which are easier to avail if they have a Kotak Bank student account. Kotak also offers specific debit cards with benefits tailored for women and senior citizens, ensuring inclusivity in their offerings, that can be used both domestically and abroad.
Here’s the list of Kotak Mahindra Debit Cards that can be used abroad-
| Business Privy League Neon | Business Privy League Platinum | Privy League Neon |
| Privy League Black | Privy League Platinum | Infinite Debit Card |
| Signature Pro Debit Card | Silk Platinum Debit Card | Privy League Signature Debit Card |
| Kotak Everyday Debit Card | Business Power Platinum Debit Card | Classic One Debit Card |
| World Debit Card | Kotak Nation Builders Debit Card | Kotak Junior Debit Card |
| #PayShopMore | Privy League Platinum Debit Card | Gold Debit Card |
| Jifi Platinum Debit Card | Business Class Gold Debit Card | Platinum Debit Card |
Below mentioned is the list of Kotak Mahindra Debit cards that can’t be used internationally-
- PVR Debit Card
- RuPay Debit Card
- 811 #DreamDifferent Debit Card
- Easy Pay Debit Card
- Access India Debit Card
- RuPay India Debit Card
Also Read: Planning to exchange foreign currency? Check out the details about Kotak Forex rates and how you can order foreign currency cash from the bank.
Features of Kotak Mahindra International Debit Cards
| Kotak Mahindra International Debit Card | Features and Benefits |
| Business Privy League Neon | – Offers and discounts on birthdays and anniversaries – 2.5% fuel surcharge waiver on fuel purchases up to INR 30,000 in a calendar month – Comprehensive insurance coverage up to INR 15 lakhs |
| Business Privy League Platinum Debit Card | – 10% discount on Swiggy orders with a minimum order value – Insurance coverage up to INR 1 lakh – Enabled with payWave for faster and contactless payments. |
| Privy League Neon | – Fuel Surcharge waiver of 2.5% on fuel purchases up to INR 30,000 in a calendar month – Air Accident Insurance up to INR 1 crore – Lifetime free Debit Card |
| Privy League Black | – Complimentary memberships with EazyDiner, Lafayette Luxury, and MMT Black – Reduced cross-currency mark-up of 1.5% – VISA Concierge available 24/7 |
| Privy League Platinum | – Complimentary EazyDiner Prime Membership – 15% discount on Swiggy on a minimum order value of INR 200 – Higher transaction and withdrawal limits up to INR 4 lakhs |
| Infinite Debit Card | – Exclusive deals and discounts on Lifestyle, Fine Dining, Travel, Health & Fitness categories – Cross currency mark-up of only 1.5% on international transactions – Travel medical insurance of up to INR 13.75 lakhs |
| Signature Pro Debit Card | – Fuel surcharge waiver – Insurance Cover of up to INR 1 crore – Free access per calendar quarter to airport lounges |
| 811 #DreamDifferentDebit Card | – Hassle-free contactless payments without PIN up to INR 5,000 – 24-hour VISA Global Customer Assistance Services (GCAS) – Special offers and discounts on various categories |
| Silk Platinum Debit Card | – Earn up to 1500 Kotak Reward Points that can be redeemed on groceries, apparel, jewellery, hotel, dining etc. – Personal Accidental Death covers up to INR 15 lakhs |
| Privy League Signature Debit Card | – Exclusive offers on lifestyle, fine dining, travel, and fitness – Air Accident cover up to INR 1 crore – Access to participating airport lounges across India |
| Kotak Everyday Debit Card | – Exciting offers on your favourite brands every day – Contactless payments without PIN up to INR 5,000 – Complimentary Insurance covers available |
| Business Power Platinum Debit Card | – Complimentary insurance cover up to INR 50 lakhs – Fuel Surcharge waiver on fuel purchases up to INR 30,000 in a calendar month – Exclusive offers on Merchant outlets in categories such as Lifestyle, Fine Dining, Travel, Health and Fitness |
| World Debit Card | – MasterCard Golf Privileges – Air Accident Insurance cover up to INR 50 lakhs and Personal Accidental Death Cover of up to INR lakhs – 2.5% Fuel Surcharge Waiver |
| Kotak Nation Builders Debit Card | – Cashback & Offers on Select Indian Brands – Complimentary Airport Lounge Access – Education covers up to INR 4 lakhs |
| Kotak Junior Debit Card | – Personalised Debit Card for Minors – Daily limit of INR 5000 on ATM withdrawals and INR 5000 on purchases – Exclusive offers on shopping, dining, edutainment & more |
| #PayShopMore | – Access to a large number of deals and offers – Personal Accident Death cover of up to INR 2 lakhs |
| Privy League Platinum Debit Card | – 24-hour VISA Global Customer Assistance Services (GCAS) – Air Accident cover up to INR 50 lakhs – Personal Accidental Death Cover of up to INR 15 lakhs |
| Gold Debit Card | – 24-hour VISA Global Customer Assistance Services (GCAS) – Exclusive offers on shopping, dining, edutainment & more – Personal Accidental Death Cover of up to INR 15 lakhs |
| Jifi Platinum Debit Card | – Access at all merchant establishments and ATMs – Available as a Chip Card only which has additional security features – Higher Daily ATM withdrawal limit of INR 2 lakhs abroad |
| Business Class Gold Debit Card | – Chip card provides enhanced transaction security – 24-hour VISA Global Customer Assistance Services (GCAS) – Air Accident Insurance up to INR 20 lakhs |
| Platinum Debit Card | – Fuel Surcharge waiver on Visa Debit on fuel purchases up to INR 30,000 in a calendar month – Fuel Surcharge waiver on MasterCard on fuel purchases up to INR 20,000 in a calendar month |
How do you enable International Payments on Kotak Mahindra Debit Cards?
Kotak Mahindra International Debit Cards issued after 30th September 2020 have international payments disabled by default. Thus, you must enable international transactions. The process is simple and can be done through either the Kotak Mobile Banking App or Net Banking. Just follow the steps below to activate your card for international usage.
Mobile App Method
- Login to the Kotak Mobile Banking App.
- Select ‘Service Requests’ and choose ‘Debit Card’.
- Click on ‘Card Control’.
- Select your Debit Card number.
- Go to ‘International/Domestic Controls’ and choose your preferred setting.
- Turn international payments on or off as needed.
Net Banking Method
- Login to Kotak Net Banking.
- Navigate to the Debit Card section.
- Click on ‘Card Control’.
- Enable international payments for ATM withdrawals, retail transactions, and e-commerce purchases.
Additionally, you can set specific transaction limits for ATM, POS, and e-commerce payments by adjusting them in the ‘Limit Management/Controls’ section on either the Kotak Mobile Banking App or Net Banking platform.
Also Read: Check out this blog to learn more about Kotak Bank International Money Transfer. Know charges, process, documents required, and more.
Kotak Mahindra International Debit Card Charges
The bank doesn’t charge you for enabling international transactions on your Kotak Mahindra International Debit Card. However, currency conversion charges, ATM withdrawal charges, Dynamic Currency Conversion fees, etc. are applicable. Besides, annual fees, lost card replacement charges and other fees are also charged.
Find out more about the Kotak Mahindra international debit card foreign transaction fees and other charges-
| Kotak Mahindra International Debit Card Charges | |
| Annual Fees | INR 250 p.a |
| Card Replacement Charges (Lost/ Stolen) | INR 200 |
| Kotak Mahindra International Debit Card Transaction Charges | |
| Cross Currency Mark-up Fees | 3.5% on foreign currency transactions carried out on Debit Cards |
| Cash Withdrawal Charges on Kotak ATM international transactions | INR 150 per transaction |
Please Note: For international transactions, the exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction.
To avoid the risk of exchange rate fluctuations, you can use Kotak Mahindra Bank Forex cards. You get the locked-in exchange rate when loading the card with foreign currency.
Kotak Mahindra International Debit Cards Transaction Limits
Kotak Mahindra Bank offers a variety of International Debit Cards, each with specific transaction limits for purchases and ATM withdrawals. Understanding these limits is essential for cardholders to manage their spending effectively and ensure they can utilize their cards as needed.
Below is a table mentioning the transaction limits associated with different types of Kotak Mahindra International Debit Cards:
| Kotak Mahindra International Debit Card | Purchase Limit | ATM Withdrawal Limit |
| Business Privy League Neon Debit Card | INR 4 lakhs | INR 2 lakhs |
| Business Privy League Platinum Debit Card | INR 4 lakhs | INR 2 lakhs |
| Privy League Neon Debit Card | INR 4 lakhs | INR 2 lakhs |
| Privy League Black Debit Card | INR 5 lakhs | INR 2.5 lakhs |
| Privy League Platinum Debit Card | INR 4 lakhs | INR 2 lakhs |
| Infinite Debit Card | INR 5 lakhs | INR 2.5 lakhs |
| Signature Pro Debit Card | INR 3 lakhs | INR 1 lakh |
| 811 #DreamDifferent Debit Card | INR 1 lakh | INR 25,000 (full KYC only) |
| Silk Platinum Debit Card | INR 2 lakhs | INR 50,000 |
| Privy League Signature Debit Card | Optima: INR 4 lakhs Insignia: INR 4.5 lakhs | INR 2.5 lakhs |
| Kotak Everyday Debit Card | INR 3 lakhs | – |
| Business Power Platinum Debit Card | Kotak Edge/Pro/Elite: INR 2.5 lakhsKotak Ace/Astra: INR 3 lakhs | Kotak Edge/Pro/Elite: INR 50,000 Kotak Ace/Astra: INR 1.5 lakhs |
| World Debit Card | INR 3.5 lakhs | INR 1.5 lakh |
| Kotak Nation Builders Debit Card | INR 3 lakhs | INR 1 lakh |
| Kotak Junior Debit Card | INR 5,000 | INR 5,000 |
| #PayShopMore Debit Card | INR 2 lakhs | INR 50,000 |
| Gold Debit Card | INR 2.5 lakhs | INR 1 lakh |
| Jifi Platinum Debit Card | INR 3 lakhs | Kotak Edge/Pro: INR 50,000 Kotak Ace: INR 1 lakh |
| Business Class Gold Debit Card | INR 2 lakhs | INR 50,000 |
| Platinum Debit Card | INR 3 lakhs | INR 1 lakh |
Also Read: Know all the major details and steps of Kotak Mahindra Bank education loan disbursement process.
Kotak Mahindra International Debit Cards with Lounge Access
Kotak Mahindra International Debit Cards provide cardholders with exclusive access to domestic airport lounges, enhancing the travel experience. Each card type offers varying levels of lounge access, allowing customers to enjoy comfort and convenience while waiting for flights.
| Kotak Mahindra International Debit Cards | Lounge Access Details |
| Business Privy League Neon Debit Card | 1 free access per calendar quarter at Domestic airport lounges |
| Business Privy League Platinum Debit Card | 1 free access per calendar quarter at Domestic airport lounges |
| Privy League Neon Debit Card | 1 free access per calendar quarter at the Domestic airport lounge |
| Privy League Black Debit Card | 2 free access per calendar quarter at Domestic airport lounges |
| Privy League Platinum Debit Card | 1 free access per calendar quarter at the Domestic airport lounge |
| Infinite Debit Card | Unlimited free access to designated domestic airport lounges per calendar quarter |
| Signature Pro Debit Card | 1 free access per calendar quarter to below airport lounges |
| Privy League Signature Debit Card | 1 free access per calendar quarter to below airport lounges |
| World Debit Card | 1 Complimentary access to domestic airport lounge per quarter |
| Kotak Nation Builders Debit Card | – 1 Complimentary Domestic Airport Lounge access per quarter – 2 Complimentary International Airport Lounge accesses per calendar year |
Please Note: The list of lounges is tentative and is updated from time to time. To see the exact list of lounges applicable for your debit card, please check the official link as stated on Kotak Mahindra Bank’s official website.
Helpline Numbers for Kotak Mahindra International Debit Cards
For customers using Kotak Mahindra Bank International Debit Cards, it’s essential to have access to helpline numbers for assistance while travelling abroad. Below is a table listing the international helpline numbers for various countries:
| Country | Helpline Numbers |
| USA | 1855 365 6767 |
| UK | 0080044990000 |
| Australia | 001180044990000 |
| Canada | 18557684020 |
| Hong Kong | 00180044990000 |
| Singapore | 8001013054 |
How to Apply for Kotak Bank International Debit Cards?
Applying for a Kotak Mahindra International Debit Card is a straightforward process that can be completed online, in person, or over the phone. Here are the methods you can use to apply for a new Debit Card online–
Apply Online
- Log in to your Kotak Net Banking account.
- Click on the “Banking” tab, then select “Debit Cards,” and choose “New Debit Card.”
- Alternatively, you can apply directly through the Kotak Mahindra Bank website.
Apply in Person
- Visit your nearest Kotak Mahindra Bank branch.
- Submit an application form along with any required documents.
Call Customer Service
Contact Kotak’s 24-hour customer contact center at 1860 266 2666 for assistance with your application.
This was about Kotak Bank international debit cards. Make sure to meet the eligibility criteria and provide the necessary documentation. This way you can enjoy the benefits of these versatile debit cards while managing your finances efficiently. Check out some of the FAQs below for better understanding-
FAQs
Kotak Mahindra offers several types, including the Privy League Neon, Privy League Platinum, and Infinite Debit Cards, each with unique features and benefits.
The purchase limit is INR 4 lakhs the ATM withdrawal limit is INR 2 lakhs for international transactions. However, different variants have different limits based on the type and features of Kotak Bank’s international debit card.
Yes, Kotak Mahindra International Debit Cards may incur foreign transaction fees, typically around 3.5% of the transaction amount.
Log in to your Kotak Net Banking account or use the mobile app to enable international payments under the debit card settings.
Cards like the Privy League Platinum, Privy League Black Debit Card, Infinite Debit Card, World Debit Card, and Kotak Nation Builders Debit Card, provide complimentary access to domestic airport lounges.
Benefits include discounts on dining and shopping, fuel surcharge waivers, insurance coverage, and unlimited free ATM transactions in India.
Any individual aged 18 and above with an active Kotak Mahindra Bank account can apply for an International Debit Card.
Yes, you can track all transactions through the Kotak Net Banking portal.
Yes, both the Privy League Neon and Platinum Debit Cards offer a 2.5% fuel surcharge waiver on purchases up to INR 30,000 per month.
You can apply online via your Net Banking account, visit a branch in person, or call customer service at 1860 266 2666 for assistance.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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