In today's day and age time is money. You work hard and have a busy schedule.

Doing
your banking should be easy and convenient and not add to your worries. We at Kotak
Mahindra Bank realize this and have specially tailored a wide range of value added
products and services to make your money work for you. These, coupled with the highest
standard of customer care will make your life simpler and easier. We offer you -
convenient solutions with a lot of common sense. These include: Net Banking, Phone
Banking, Home Banking, ATMs, Global Debit Card

Net Banking : Overview

Kotak Mahindra Bank's Net Banking service brings you the timeless world of instant banking.

This is a quick and easy way to access your deposit and demat accounts and do your banking 24
hours a day, 7 days a week. You can bank from home, work or anywhere in the world by just
connecting to the internet.

You can get free Net Banking access if you have a savings bank account, a current account, a
term deposit or a demat account with Kotak Mahindra Bank.

Phone Banking
Your nearest Kotak Mahindra Bank branch is on your phone. We have a 24-hour Customer Contact
Center to offer you personalised service round the clock. Just pick up the phone and call our 24-hour
Customer Contact Centre on our toll free number - 1800 102 6022.
Whether it is something as urgent as a stop payment or you simply want to know your balance just give
us a call. Our toll free number gives you access to your account, from anywhere….anytime.

And what's more, this facility comes to you absolutely free of cost!

Services

Deposit Accounts
Enquire on your account details - your balance, account activity, account details, uncleared fund details
and cheque status.
Enquire on the latest interest and exchange rates.
Request for fund transfer between your accounts at Kotak Mahindra Bank.*
Open a term deposit or get details of all your term deposits
Initiate standing instructions or place stop cheque payment instructions.
Request a cheque book and account statements.

* Limits apply
You can give us financial instructions through our Phone Banking service based on your account
operating mandate, i.e. if you have a single or unconditional signing authority on your account, you can
transact on the phone.

Demat Account
You can also access information relating to your demat account by calling our 24Hrs Customer Contact
Center - request for a demat transaction or holding statement, enquire about your transaction or holding
details.

Home Banking : Overview

Simply pick up the phone and access the convenience and freedom of Home Banking*
service of Kotak Mahindra Bank.
Call our 24Hrs Customer Contact Center and request for a cheque, cash pick up, cash
delivery or a draft delivery and we will come to your home or office. After all why
should you come to the Bank when your Bank comes to you.

For all requests received between 10 am and 4 pm Mondays to Saturdays we will have
our representative meet you on the same day. Cheques picked up under Home Delivery
service will be sent for clearing on the next working day.

* Limits apply.

Days Monday to Saturday

NON METRO CITIES
Within City limit :
Instrument pickups / DD del / cash related
requests up to 2 lakhs - 2.5 hrs
Cash related requests over 2 lakhs - 3 hrs
Turnaround time for Vendor
Beyond City Limit : 4 hrs

METRO CITIES
Within City limit : 3 hrs
Beyond City Limit : 4 hrs

Submission of Reports &

Request Timings Execution By Vendor
Cash/Instruments
10:00 Hrs to 1300
Same Day Same Day by 16:30 hrs
Hrs (With in City limits)
1300 Hrs to 1600 Hrs
Same Day Next Day by 10:30 hrs
(With in City limits)
10.00 Hrs to 16.00 Hrs
Same Day Next Day by 10:30 hrs
(Beyond City Requests)
4 PM to 10 Am next day
morning
Next working Day
Also applicable for
Holidays or sundays

SMS BANKING
Kotak Mahindra Bank's SMS Banking & Alerts service enables you to
access your bank account on your Mobile Phone. Using this service you
can access your bank account anywhere, anytime! It is quick and easy,
available to you 24X7 and it’s absolutely free! You don’t have to pay any
charge to avail this service.

You can get SMS Banking & Alerts service if you have a savings bank
account or a current account with Kotak Mahindra Bank. There are a
whole range of operations that you can carry out using this service,
ranging from checking your account balance, to getting your last 3 Product Note - Re-launch of
transaction details, to requesting for a cheque book, to getting an Alert Mobile Banking as SMS
from the Bank when a large debit or a credit happens to your account. Banking

What’s more, you can choose whether to receive your Alerts on your Offer Grid for SMS Banking
mobile phone and / or e-mail. To download SMS Banking & Alerts
Registration Form, click here for Individual Accounts and click here for Archives
Non Individual Accounts , or Call 1800 102 6022 and our Customer Care
Officers will be glad to assist you.

Mobile Banking Overview

Welcome to the world of convenience banking on your Mobile phone.

Now, you can experience the benefits of online banking anywhere and anytime, without the need for a
computer. All this absolutely FREE*!

Using the service, you can access your bank accounts and investment accounts at your fingertips, anytime,
anywhere.

All this convenience comes to you on a secure and user friendly GPRS-based Mobile Banking platform.

Mobile Banking Features

• Menu driven service – no need to remember complex codes

• Security through 128 bit encryption.
• Check your account balances for Current, Savings & Term Deposit accounts
• View your account activity
• Transfer funds between your accounts or other accounts in Kotak Bank
• Purchase Mutual Fund units
• Redeem Mutual Fund units
• Report loss/theft of Debit Card and request for replacement
• Check status of your Cheque instruments
• Request issue of new Cheque book

What you need to access this service

To access Kotak Mobile Banking you need:

• A Kotak Mahindra Bank account

• A Java-enabled handset
• An active GPRS connection (Advanced GPRS recommended) from your service provider
• Registration for Net Banking and a Net banking password
 • Activation Key - the Activation Key is generated on first login.

Security Features

Kotak Mobile banking platform uses secured Https protocol for communication between the mobile client
and the mobile server. Protected by the most stringent security systems, Kotak Mobile Banking allows you to
transact over a completely secure medium. All your transactions travel via 128-bit SSL encrypted medium,
the highest level of security on the network. The servers are protected with firewalls that make unauthorized
access impossible.

Downloading the Application

All you need to get started using Kotak Mobile Banking is to download the application by sending K MOBILE
<Last 4 digits of your CRN> as SMS to 5676788. Please note you need to send the message from the
mobile number you have registered with the bank. You can also call our 24 Hrs Customer Contact Center
for downloading Kotak Mobile Banking application. You would be receiving the link to download the
application on your mobile number registered with the bank. Please make sure that you have updated your
current mobile number with us.

Registration

Access to Kotak Mobile Banking will be granted once you register your Activation Key (which will be
displayed on your handset) with us. To activate Mobile Banking on your handset, please call our 24 Hrs
Customer Contact Center at our toll free number - 1800 102 6022.

‘*Mobile Banking is offered to our customers absolutely FREE. There are no charges levied by us for
accessing this service. However, please note that you will need to pay for the GPRS subscription charges as
levied by your Mobile phone service providers.

ATM

ATM Network : Overview

Our strategically located and constantly growing ATM network brings the bank to within
easy reach to your neighbourhood.
The ATM service is available to you absolutely FREE.

The state of the art touch screen## Kotak Mahindra Bank ATMs are part of the Visa/Plus
ATM network. That means you can withdraw cash from our ATM Network with
International and Domestic Visa/Visa Electron/Plus Credit Cards/Debit Cards.
VISA ATMs - KMBL Cards - User Grid
 Screen Receipt
Balance
KMBL KMBL KMBL KMBL
Enquiry
Available Bal. Combined Bal. Available Bal. Combined Bal.
On other ATMs
Available Bal./ Account Bal./ Available Bal./ Account Bal./
Citibank
Cash advance Credit limit Cash advance Credit limit
Available
UTI Bank * Blank header Avail Balance Not available
Balance
Available
HDFC Bank Ledger Balance Avail Balance Not available
Balance
Available
SBI Not available Avail Balance Not available
Balance
Available
Indus Ind Not available Avail Balance Not available
Balance
Available Available
Standard Charterd Actual Balance Actual Balance
Balance Balance
Available
IDBI Bank Actual Balance Avail Balance Ledg Balance
Balance
Available
ICICI Bank Ledger Balance Avail Balance Ledger Balance
Balance
Corporation Bank Clear Balance Total Balance Clear Balance Total Balance
Does not allow for requesting a
HSBC Actual Balance Not available
receipt

* UTI Bank screen shows both the balances on screen, but has only available balance as text on the screen.
# Majority of the ATMs in the network have touch screen facility

Kotak Platinum Debit Card

As the size of the bank’s Debit Card portfolio expands, a need was identified to
differentiate the product strategy to segment the customers based on their
profiles and spending patterns.
The Platinum Debit Card is a premium offering, with only select banks providing
Platinum Debit Cards to their customers.
The Kotak Platinum Debit Card is packaged with exclusive offers and lifestyle
benefits. Also, with higher daily ATM cash withdrawal and POS transaction limits,
the Kotak Platinum Debit Card delivers higher purchasing power to cardholders.
The Kotak Platinum Debit Card can be issued to all CASA customers, except to
Easy and NRO customers. Customers will be able to apply for the Kotak
Platinum Debit Card by submitting the Kotak Platinum Debit Card application
form at any Kotak branch.

Features and Benefits of Kotak Mahindra Platinum Debit Card include:

• Higher Transaction Limits

Enjoy greater convenience and flexibility through an enhanced daily

 purchase limit of Rs. 200,000 and ATM cash withdrawal limit of Rs.
200,000.

• Priority Pass*

Enjoy the unmatched advantage of Priority Pass, the world’s largest

airport lounge access program. As a Priority Pass member, you can relax
in more than 600 most luxurious VIP airport lounges in over 100 countries
and 300 cities worldwide.
* Complimentary for some customers basis usage, and chargeable for the rest

• Fuel Surcharge waiver

Enjoy fuel surcharge waiver (currently 2.5%) every time you purchase
petrol at any petrol pump across the country.

• Lost Card Liability Insurance

Kotak Platinum Debit card comes with a complimentary Lost Card Liability
Insurance of Rs.100,000/-. The insurance covers any misuse up to 30
days prior to reporting of the lost card and 7 days after reporting.

• Air Accident Insurance cover

Kotak Platinum Debit Card brings complimentary Air Accident Insurance

Cover of Rs. 2,000,000/- so you can now travel with peace of mind.

• Unlimited Access

Kotak Mahindra Bank Platinum Debit Card offers unlimited access to over
34,000 VISA ATMs in India and over 1 million ATMs worldwide absolutely
free.

• VISA concierge services

Services such as organizing a flight to Paris, recommending a restaurant

in Hong Kong, arranging for opera tickets in Milan or even suggesting a
reliable dry cleaner away from home are just some of the services
available. All it takes is a phone call, any time, anywhere in the world. The
VISA Platinum Customer Centre (VPCC) is manned by professionals 24
hours a day, 7 days a week. Call at 000 117 followed by 866 765 9643.

• VISA Global Customer Assistance Service (GCAS)

While traveling overseas, Platinum Debit Card offers peace of mind

through the comprehensive VISA Global Customer Assistance Service.
This 24-hour service is offered by VISA across the globe and can be used
for:
 o Lost/Stolen Card Reporting

o Emergency Card Replacement

o Miscellaneous Inquiries

• Offers & discounts at Merchant outlets

The Kotak Platinum Debit Card gives you access to great deals and
discounts at exclusive outlets in categories such as Lifestyle, Fine Dining,
Travel, Health and Fitness.
Apply Now
• Download Platinum Debit Card forms - Platinum Debit Card | Add-On Card
Attachments :
Process Note of Kotak Platinum Debit Card
FAQ's for Platinum Debit Card Upgrade Branch
FAQ's for Platinum Debit Card Upgrade – CCC
Priority Pass List
Loss Card Liability and Air Accident Insurance Process

Gold Debit Card

The debit card is an integral part of our offering to CASA customers. As the size of the bank’s debit card
portfolio expands, a need was identified to differentiate the product strategy to segment the customers
based on their profiles and therefore on requirements.

The Gold Debit Card is a premium differentiated offering. Other banks offering the gold debit card have seen
a higher POS spend on the Gold Debit card as compared to the ‘Classic’ offering. This translates into higher
earnings through POS incomes and higher account usage / activation rates.

The Gold Debit Card is packaged with exclusive offers, lifestyle benefits, and higher daily limits etc. With
higher daily ATM and POS limits a Gold debit card delivers purchasing power and value-added services to
cardholders.

In line market offerings, we now want to introduce Gold Debit Cards to our customers. Like our regular Debit
card, the Gold Debit Card can be used at all the Visa ATMs and merchant establishments worldwide.

Features and Benefits of Kotak Mahindra Gold Debit Card include :

• Unlimited Access
Kotak Mahindra Bank Gold Debit Card offers unlimited access to over 30,000 VISA ATMs in India
and over 1 million ATMs worldwide absolutely free.
• Higher Transaction limits
Enjoy greater convenience and flexibility through an enhanced daily purchase limit of Rs.
1,75,000.00 and ATM cash withdrawal limit of Rs. 1,75,000.00.
• Fuel Surcharge waiver
 Enjoy fuel surcharge waiver (currently 2.5%) every time you purchase petrol at any petrol pump
across the country.
• Photocard
We have personalized this card with photograph to give added security.
• VISA Global Customer Assistance Service (GCAS)
While traveling overseas, Gold Debit Card offers peace of mind through the comprehensive VISA
Global Customer Assistance Service. This 24-hour service is offered by VISA across the globe and
can be used for :
o Lost/Stolen Card Reporting
o Emergency Card Replacement
o Miscellaneous Inquiries
• VISA Gold Offers & Discounts
The Kotak VISA -Gold Program offers you great deals and discounts at exclusive outlets.

Click here to view all the Gold offers on your Gold Debit Card.
• Insurance Benefits
Gold Debit Card has in built insurance benefits specially designed to bring peace of mind. Not only
do we have a zero liability for all the charges after reporting loss of card, Gold Debit card also
provides purchase protection.

• Gift an Add-on Card

The person you are gifting the Add-on Card to does not have to be an account holder with the
Bank.

The Add-On cardholder can enjoy all the privileges of a Gold Debit Card.
Apply Now

• Download Gold Debit Card forms - Gold Debit Card | Add-On Card

Global Debit Card

At VISA/PLUS ATMs

You can use your Global Debit Card at over 2700 HDFC Bank ATMs absolutely free. Additionally you can
also use your Card at all other Banks' VISA ATMs and access up to one savings account and current
account (if your Primary Account is a savings account, then the first current account opened by you can be accessed and vice
versa)

You can enquire on the balance in your account or withdraw cash.

At Merchant Establishments

Your Global Debit Card is welcome at over 388,000 Merchant Establishments in India and over 29 million
Merchant Establishments the world over. You can access only your Primary Account* for transactions at
Merchant Establishments

* You can specify any account to be your Primary Account. In the absence of any instructions your first account opened with us
will by default be treated as your Primary Account.

To activate your Global Debit Card for use at Merchant Establishments, you will need to:

1. Use your Card at Kotak Mahindra Bank / Any other Bank's Visa ATM Or

2. Call our 24 hrs Customer Contact Centre.

Access India Debit Card
While you work abroad, your loved ones are still your priority. On your brief visit to India, you would definitely
want to shower them with all your affection. To help you realize this we present you with Access India –
Kotak Mahindra Bank Debit Card. This card is accessible in India only.

This brings to you the power to access your NRO account anytime at over 18,000 VISA ATMs and also
make purchases at over 300,000 merchant establishments which accept VISA credit/debit cards in India.

Now no need to carry cash, just use your Access India Debit Card that combines the benefits of a traditional
ATM Card and a Credit Card.

Your purchase will automatically get debited to your account online and will reflect in your statement. Also
there is no fear of overspending as you can only spend upto the balance available in your account.

Access India Debit Card gives you the most convenient access to your account at any place any time in
India. The Access India Debit Card is available to you if you have a NRO savings bank account or current
account with us.

You can use your Access India Debit Card

• At Kotak Mahindra Bank ATMs

For your convenience, we have installed state of the art touch screen ATMs that allow you to
access your accounts 24 hours a day.

At Kotak Mahindra Bank ATMs You can Check your account balance, Withdraw cash, Deposit
cash/cheques, Transfer funds between your accounts with the Bank, Print Account Snapshot
showing recent transactions, Order account statements, Request for a cheque book and Change
your Personal Identification Number (PIN).

• At VISA/PLUS ATMs
You can use your Access India Debit Card at over 18000 VISA ATMs in India absolutely free.

You can enquire on the balance in your account or withdraw cash.

At other Bank ATMs, you can access upto one savings account and current account (if your
Primary Account is a NRO savings account, then the first current account opened by you can be
accessed and vice versa)

• At Merchant Establishments
Your Access India Debit Card is welcome at over 3 lakhs Merchant Establishments in India. You
can access only your Primary Account* for transactions at Merchant Establishments.

* You can specify any NRO account to be your Primary Account. In the absence of any instructions
your first NRO account opened with us will by default be treated as your Primary Account.

To activate your Access India Debit Card for use at Merchant Establishments, you will need to:
1. Use your Card at Kotak Mahindra Bank / Any other Bank's Visa ATM Or

2. Call our 24 hrs Customer Contact Centre.

Access India Debit Card
Access India Debit Card - Training Kit (Oct. 04, 2006)
Apply Now - Access India Debit Card

• If you hold a Non-Resident account and wish to avail Debit Card or any other channel access.
download the Channel Access Request Form.

• To open an account, download the Account Opening form.