Do you want Kotak 811 debit card?

If YES, then you're in the right place because I answered almost all the queries related to the debit card. 

Here it begins.

1.) A Short Idea About Kotak 811 Virtual & Physical Debit card



What is Virtual debit card?

Kotak 811 virtual debit card is a digital card which can be accessed through Kotak app. It can be used only for digital transactions. For e.g buying products from websites like Flipkart, Amazon, etc. 

You cannot withdraw cash using this virtual card. You cannot feel or touch this card as it is available digitally in the form of an image.


This card is free.



What is Physical debit card?

Kotak 811 physical debit card is the normal debit card which is issued by banks. It is can be used for both online and offline transactions. For e.g paying in retail stores, malls, e-commerce websites, etc. 

You can use this card for withdrawing cash from the ATM machine. This card can be touched as it is available in physical form.


This card is paid.



Note: Both of these cards are visa international debit cards. These cards can be used on international websites like PayPal, Apple store, iTunes, etc. you can enable or disable international usage



2.) Can I Get Kotak 811 Virtual & Physical Debit Cards?

Kotak 811 "lite" users don't get these cards. 

Kotak 811 "Limited KYC" and "Full KYC" account holders will only get Kotak 811 virtual debit card. Just after opening the Kotak 811 zero balance account you'll get this virtual debit card


While "Full KYC" account holders can only apply for the physical debit card. 

You've to pay debit card charges to order the physical card. Then you'll receive this card through courier.

Read: How to Do Kotak 811 KYC & Which Documents Are Required?

3.) How to See Kotak 811 Virtual Debit Card Using App/Net Banking?


Follow these steps to see virtual card using the app.



  1. Open Kotak 811 & mobile banking app
  2. It will take you to my Kotak page
  3. Click "Kotak 811" option listed in the bank section
  4. Now app will ask you to login into the account, enter the login details
  5. After it will redirect to "Kotak 811" page
  6. There will be two tabs on this page "Account" and "Virtual Debit Card", your CRN, account number, IFSC code, UPI handle will be displayed
  7. Click on "Virtual Debit Card" tab, now your Kotak 811 virtual debit will load and you can see it in an image form

Kotak 811 virtual debit card on app



Follow these steps to see virtual card using net banking. (To use this method you need to activate net banking in the account first)


  1. Go to Kotak net banking and login into the account after entering CRN and net banking password
  2. Now you'll receive a dynamic access code on your registered mobile number.
  3. Enter the code to fully login into the Net banking
  4. After that, you'll see net banking dashboard
  5. In this dashboard, you'll see different tabs such as credit card, debit card, loans, insurance, etc, click the "debit card" tab.
  6. You'll see some options on the left side, click "Kotak 811"
  7. Now, you can see your Kotak 811 virtual debit card details
Kotak 811 debit card netbanking


4.) How to Use This Virtual Debit Card?


You can use this virtual debit card only for online transactions. You'll get the Kotak 811 virtual debit cards details such as name on card, card number, expiry date, CVV on the app.


To do any online transaction, enter these details.



Note: CVC number is hidden you've to click "SHOW CVV" button available in the down right corner.

You can use this card for international transactions also. I did Paypal transaction using this virtual card.


paypal kotak 811 virtual debit card


5.) How to Apply for Kotak 811 Physical Debit card Using App/Netbanking?


Follow these steps to apply for physical debit card using the app



  1. Open Kotak 811 & mobile banking app
  2. It will take you to my Kotak page, click "Kotak 811" listed in bank section
  3. The app will ask you to login, complete the login process
  4. After it will show you "Account tab, click "Virtual Debit Card"
  5. Just below the virtual card you'll see "GET ONE NOW" button, click that
  6. Now it will show you some debit card information, click proceed to order the card

Follow these steps to apply for physical debit card using netbanking



  1. Go to Kotak net banking and login into the account after entering CRN and net banking password
  2. Now you'll receive a dynamic access code on your registered mobile number.
  3. Enter the code to fully login into the Net banking
  4. After that, you'll see net banking dashboard
  5. In this dashboard, you'll see different tabs such as credit card, debit card, loans, insurance, etc, click the "debit card" tab.
  6. You'll see some options on the left side, click "Kotak 811"
  7. Now, you can see your Kotak 811 virtual debit card details
  8. Just below the card you see "GET ONE NOW" button, Click that button
  9. It will show some information about debit card, click the "proceed" button to order the card
Kotak 811 debit card netbanking


Note: Before applying for physical debit you should have required money in Kotak 811 account
Note: Physical debit order will get placed and you'll receive the card through courier. You can track the card using courier tracking id, that you'll receive as a text on your registered mobile number

6.) Kotak 811 Transactional Limits

The daily online transaction limit is 100,000 INR for both virtual and physical debit card.

The daily cash transaction/withdrawal limit is 25000 INR for physical debit card.



7.) What Are The Fees & Charges of a Kotak 811 Physical Debit Card?


Now with the updated price for ordering the card you've to pay RS 199+18 % GST (which is about RS 234). The annual Kotak 811 physical debit card charges are RS 199+18 % GST (which is about RS 234).

You can do 5 free ATM transactions in a month (both financial & non-financial) using Domestic Kotak bank's ATM. Thereafter for Financial Transactions charges will be 20 INR + 18% GST per Transaction. For Non-Financial Transactions charges will be 8.50 INR + 18% per transaction.

You can do 5 free ATM transactions in a month (both financial & non-financial) using other Domestic bank's ATM. Thereafter for Financial Transactions charges will be 20 INR + 18% GST per Transaction. For Non-Financial Transactions charges will be 8.50 INR + 18% per transaction. 

But, you can do only 3 free atm transactions in the top 6 metro cities using other Domestic bank's ATM. Thereafter for Financial Transactions charges will be 20 INR + 18% GST per Transaction. For Non-Financial Transactions charges will be 8.50 INR + 18% GST per transaction.

If the transaction (both offline and online) gets declined due to insufficient balance bank will charge you Rs 25 + taxes per instance.

For international ATM transactions (both financial & non-financial) Kotak bank will charge you 150 RS + taxes per transaction.


8.) How to Generate/Re-Generate Kotak 811 Virtual/Physical Debit Card Pin


Follow these steps to Generate/Re-Generate Kotak 811 Virtual/Physical Debit Card Pin using the app

  1. Open Kotak 811 & mobile banking app
  2. Click service request option listed below
  3. Then select "Debit Card"
  4. After that select "Regenerate PIN"
  5. Enter the new 6 digit pin and click "submit"
Follow these steps to Generate/Re-Generate Kotak 811 Virtual/Physical Debit Card Pin using the website

  1. Go to this Kotak website page
  2. Then select the card type "Debit Card / Best Compliments card"
  3. Then select Visa/Rupay option
  4. Now, enter debit card details such as card number, expiry date, CVV number
  5. Enter your desired 6 digit new debit card pin then click "confirm"


Conclusion:

Hope I answered all the questions related to Kotak 811 debit card.

And also hope you got your answer. If any queries related to this topic is unanswered you can down below I'll be glad to help you.