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Kotak Mahindra Bank

Research Kotak Mahindra Bank across published cards, accounts, deposits, digital payments, everyday-banking controls and business-banking services, with dated first-party evidence and product-level review dates.

Explore banking researchOfficial site ↗
23Banking profiles
10Credit cards
4Verified relationships
0Reviews due
Research systems

Start with the banking system, then open the exact product.

Each system keeps its own evidence, review date and decision fields. Shared-bank context never substitutes for exact product terms.

01Credit cardsFees, rewards, lounge, forex and approval route10profiles02Debit cardsAccount linkage, charges, ATM/POS limits and access2profiles03Savings accountsBalance rule, charges, access and debit-card relationship5profiles04Salary accountsEmployer/salary conditions and what changes if salary stops1profile05Fixed depositsDated rates, tenure, customer category and liquidity5profiles06Recurring depositsMonthly instalment, contracted rate, tenure and missed-payment rules1profile07Merchant paymentsQR, POS, Soundbox, gateway acceptance, settlement, pricing and reconciliation1profile08International debit cardsInternational activation, overseas ATM/POS/e-commerce, forex/DCC, limits and support1profile
What this dossier does

Organizes published evidence, freshness, explicit product relationships and maintained comparisons for one institution.

What it does not do

It does not rank bank quality, predict approval, infer product bundling or claim complete coverage of the institution's live catalogue.

Exact banking research

23 published profiles with product-level evidence.

Search locally by product, fee, rate, balance, eligibility or benefit. Filtering never creates additional public URLs.

23 profilesPublished research only
Product system

Debit card

2 profiles
Kotak Mahindra BankDebit card

Kotak 811 Infinity Metal Debit Card

A premium Kotak 811 debit card with high domestic limits, quarterly lounge access and an annual-fee waiver tied to membership in the 811 Super savings programme.

First-party checked4 bank sourcesReviewed September 11, 2026
Cost / feeCurrent April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.
Best fitKotak 811 customers who already want the 811 Super relationship and can justify a premium debit card through lounge, limits and merchant benefits.
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Kotak Mahindra BankDebit card

Kotak Everyday Debit Card

The debit card paired with Kotak Everyday Savings/Salary accounts, with fee treatment that changes according to the linked account variant.

First-party checked3 bank sourcesReviewed September 11, 2026
Cost / feeReviewed current Everyday schedule lists first year free then ₹250 for Everyday Savings Account, and nil annual charge for Everyday Salary Account; lost/stolen replacement ₹200. Taxes apply where stated by the schedule.
Best fitKotak Everyday account customers who want to understand the debit card as part of the account relationship rather than as a standalone product.
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Product system

Savings account

5 profiles
Kotak Mahindra BankSavings account

Kotak 811 Zero Balance Digital Savings Account

Kotak's digital zero-balance savings proposition with a no-extra-charge virtual debit card and app-led account management.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleZero-balance savings account with no minimum balance requirement under the reviewed product page.
Best fitDigital-first customers who want a Kotak savings relationship without a minimum-balance requirement.
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Kotak Mahindra BankSavings account

Kotak Bank NRE Rupee Savings Account

Kotak Bank's regular NRE rupee savings account with ₹10,000 opening funding and ₹10,000 AMB, fully repatriable principal/interest and international debit-card access described at the account level.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance rule₹10,000 minimum opening amount and ₹10,000 Average Monthly Balance on the reviewed NRE product page; the current NRI GSFC independently lists ₹10,000 AMB for regular NRE/NRO savings.
Best fitNRIs who want a conventional Kotak NRE relationship for overseas earnings and are comfortable maintaining a ₹10,000 monthly average balance.
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Kotak Mahindra BankSavings account

Kotak Bank NRO Rupee Savings Account

Kotak Bank's regular NRO rupee savings account with ₹10,000 opening funding and ₹10,000 AMB for Indian-source income, taxable interest and the applicable NRO outward-remittance framework.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance rule₹10,000 minimum opening amount and ₹10,000 Average Monthly Balance on the reviewed NRO product page; the current NRI GSFC also lists ₹10,000 AMB for regular NRE/NRO savings.
Best fitNRIs managing rent, pension, dividends, sale proceeds or other legitimate Indian-source rupee receipts through Kotak.
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Kotak Mahindra BankSavings account

Kotak Everyday Savings Account

Kotak's Everyday Savings Account with a location-based average monthly balance and an Everyday Debit Card whose annual charge changes after the first year.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleReviewed Kotak notice/tariff lists ₹15,000 AMB in Metro/Urban locations and ₹10,000 AMB in Semi-urban/Rural locations.
Best fitCustomers who want Kotak's mainstream Everyday proposition and can maintain the reviewed location-based average balance.
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Kotak Mahindra BankSavings account

Kotak Mahindra Bank Junior Savings Account

Kotak's resident-minor Junior Savings Account with a personalised debit card for eligible older minors, variant-based AMB treatment and a ₹5,000 child debit-card limit.

First-party checked1 bank sourceReviewed September 9, 2026
Balance ruleAMB requirement follows the Savings Account variant selected for Junior; qualifying RD/SIP standing-instruction conditions can affect maintenance-charge treatment under current terms.
Best fitFamilies that want a Kotak minor account and can evaluate the underlying savings-account variant and any RD/SIP-linked fee-waiver conditions rather than assuming one universal zero-balance structure.
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Product system

Salary account

1 profile
Kotak Mahindra BankSalary account

Kotak Everyday Salary Account

Kotak's Everyday Account for salaried professionals, positioned as a zero-balance salary relationship subject to qualifying monthly salary credits.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleZero-balance treatment subject to regular monthly salary credits under Kotak's salary-account proposition.
Best fitEmployees whose organisation supports Kotak salary banking and who want the Everyday salary/debit-card proposition.
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Product system

Fixed deposit

5 profiles
Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank FCNR(B) Deposit

Kotak's FCNR(B) deposit holds NRI funds in five foreign currencies, with a current 1 September 2026 currency-by-tenure rate table and full repatriability.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceRates effective 1 September 2026 are currency-specific: at 1 year to under 2 years the reviewed table shows 4.00% USD, 4.00% GBP, 2.55% EUR, 4.35% AUD and 1.25% SGD for the displayed lower-value USD band.
Best fitKotak NRI customers who want to retain foreign currency and can choose among USD, GBP, EUR, AUD and SGD term-deposit tenures.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank NRE Fixed Deposit

Kotak's NRE fixed deposit for repatriable overseas funds, using the bank's current Domestic/NRO/NRE callable rupee rate schedule.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe reviewed Domestic/NRO/NRE callable schedule effective 10 June 2026 peaks at 6.80% in the 2-year-to-under-3-year band below ₹3 crore; NRI deposits do not receive resident senior additions.
Best fitKotak NRI customers who want a rupee term deposit with full NRE principal/interest repatriability and Indian tax-exempt interest.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank NRO Fixed Deposit

Kotak's NRO fixed deposit for Indian-source NRI funds, using the current shared Domestic/NRO/NRE rupee rate schedule with NRO tax and repatriation treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe current callable schedule effective 10 June 2026 peaks at 6.80% in the 2-year-to-under-3-year band below ₹3 crore; NRI deposits do not receive resident senior additions.
Best fitKotak NRI customers placing Indian-source rupee funds into a term deposit while retaining NRO-compliant repatriation.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank Regular Fixed Deposit

Kotak Mahindra Bank’s resident callable fixed-deposit rate ladder below ₹3 crore, with tenure-specific general rates and additional interest for eligible resident senior citizens.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceThe reviewed callable schedule effective 10 June 2026 reaches 6.80% p.a. for general customers in the 2-year-to-under-3-year band; eligible resident senior rates are generally higher by 0.50 percentage point.
Best fitKotak customers who want a conventional callable FD and prefer choosing among clearly published tenure bands rather than relying on one headline maximum rate.
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Kotak Mahindra BankFixed deposit

Kotak Mahindra Bank Tax Saving Fixed Deposit

Kotak Mahindra Bank’s five-year tax-saving FD starting at ₹100, capped at ₹1.5 lakh for the qualifying investment, with quarterly payout or reinvestment and no premature/partial withdrawal during the lock.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceKotak’s current domestic/NRO/NRE callable rate table is effective 10 June 2026; the five-years-and-above-to-10-years band is 6.25% p.a. general and 6.75% p.a. for eligible resident senior citizens.
Best fitEligible Kotak customers who want a low-entry tax-saving deposit and can hold for the full five-year lock-in.
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Product system

Recurring deposit

1 profile
Kotak Mahindra BankRecurring deposit

Kotak Mahindra Bank Recurring Deposit

Kotak's resident recurring-deposit table publishes a clear 6-month-to-10-year rate ladder with special senior-citizen additions that vary by tenure band.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 10 June 2026 run from 5.50% at 6 months to a reviewed peak of 6.80% for 24–33 months; resident senior-citizen additions are 0.50% for many tenures and 0.60% for the stated 3-to-under-5-year band.
Best fitKotak customers who want a straightforward monthly deposit and can choose among the published tenure bands instead of chasing one headline rate.
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Product system

Bill payment service

1 profile
Kotak Mahindra BankBill payment service

Kotak BillPay & Bharat Connect

Kotak's Mobile Banking and Net Banking BillPay service with registered billers, one-time/Quick Recharge flows, configurable AutoPay, payment history, BBPS complaint registration and a bank-published no-fee BillPay position.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Kotak funding source/payment method with sufficient available funds. BillPay does not remove underlying account, debit-card or credit-card limits.
Best fitKotak customers who want registered billers plus AutoPay controls, broad funding choices and visible payment/complaint history rather than a one-off bill-payment screen.
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Product system

ATM & cash service

1 profile
Kotak Mahindra BankATM & cash service

Kotak Mahindra Bank ATM & Cash Services

Kotak's ATM, cardless-cash, branch and CDM profile using current Savings Account fee tables, with account-variant free counts and cash-handling limits kept separately scoped.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleATM/cash economics depend on the linked Kotak account variant. Everyday, Classic, Pro, salary and other schemes publish different free allowances; the ATM service itself does not replace the account's AMB or relationship rules.
Best fitKotak customers comparing everyday ATM access and branch/CDM cash usage who need the exact savings-account variant matched before applying a free-count or cash-handling figure.
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Product system

Digital banking service

1 profile
Kotak Mahindra BankDigital banking service

Kotak Mahindra Bank Digital Banking — Mobile Banking & Net Banking

Kotak Mahindra Bank's combined retail digital-banking profile covering its Mobile Banking app and Net Banking, with CRN/card-based activation, beneficiary-level controls, card service requests and online password recovery.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Kotak banking/card relationship and registered credentials. Digital access does not change the balance or relationship requirements of the underlying product.
Best fitKotak customers who want both app and browser access and prefer beneficiary-level transaction controls without assuming that one headline transfer ceiling applies to every rail.
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Product system

International banking service

1 profile
Kotak Mahindra BankInternational banking service

Kotak Mahindra Bank International Debit Card & Overseas ATM Banking

Kotak Mahindra Bank international debit-card profile covering app/NetBanking activation, overseas ATM and merchant use, 3.5% foreign-currency conversion, account/card-specific ATM pricing and a live first-party DCC-fee conflict that is retained instead of silently normalized.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Kotak account and debit-card variant; account/product relationship determines card entitlement and any fee waivers, while available balance and customer-set card limits remain independently applicable.
Best fitKotak customers preparing an eligible debit card for international ATM, POS or online use and wanting current channel controls plus the bank's conflicting DCC disclosures visible before transacting.
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Product system

Merchant payment service

1 profile
Kotak Mahindra BankMerchant payment service

Kotak Mahindra Bank Merchant Payments — POS & kotak.biz

Kotak Mahindra Bank's merchant-acquiring stack centred on POS, Dynamic QR/UPI and kotak.biz, with T+1 POS settlement as the standard state and an explicitly priced optional same-day settlement service kept separate from ordinary settlement.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance rulePOS settlement is credited to the merchant's Kotak Current Account. Current-account balance requirements and merchant-device commercials remain attached to the selected account/product rather than to this profile universally.
Best fitKotak business merchants that want card and UPI acceptance with 365-day standard POS settlement, optional same-day settlement, international-card/DCC options and app-based merchant reporting.
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Product system

Forex & prepaid travel card

1 profile
Kotak Mahindra BankForex & prepaid travel card

Kotak Mahindra Bank Multi-Currency Forex Card

Kotak Mahindra Bank's Visa prepaid Forex Card with 15 currency wallets, branch/NetBanking issuance and reload, currency-specific ATM pricing, online/branch servicing and explicit cross-currency treatment.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance rulePrepaid foreign-currency wallets; up to 15 supported currencies can be carried on one card. The available balance is limited to loaded funds and FEMA/RBI limits rather than a credit line.
Best fitKotak customers and other eligible travellers who want a 15-wallet Visa travel card with low fixed issuance/reload fees and strong self-service controls.
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Product system

Bank transaction-limit profile

1 profile
Kotak Mahindra BankBank transaction-limit profile

Kotak Mahindra Bank Transaction Limits

A normalized Kotak transaction-limit profile covering segment-based CRN transfer ceilings, beneficiary cooling, one-time transfers, UPI count conflicts, debit-card limits and scheme-scoped cash handling.

First-party checked7 bank sourcesReviewed September 10, 2026
Balance ruleLimits depend on the exact CRN/customer segment, account/card variant and digital channel; 811, 811 Super, Regular and Privy/Wealth/Solitaire/NRI ceilings are not interchangeable.
Best fitKotak customers who need to match their Privy/Wealth/Regular/811 segment, transfer route and recent device or beneficiary state before relying on a headline limit.
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Product system

Bank transfer service

1 profile
Kotak Mahindra BankBank transfer service

Kotak Mahindra Bank Transfers — NEFT, RTGS & IMPS

Kotak's bank-transfer profile keeps customer-segment CRN limits, rail-specific permissible ceilings, one-time transfers and beneficiary security states separate across the Bank App, Net Banking and branch channels.

First-party checked8 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Kotak account with transaction rights and sufficient available funds. The CRN transfer limit is a security/channel setting and does not replace the balance, lien or account-programme rules of the underlying account.
Best fitKotak customers who need to distinguish their normal segment/customer-set daily limit from a rail's larger technical ceiling and from temporary limits on a newly added beneficiary.
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Product system

UPI payment service

1 profile
Kotak Mahindra BankUPI payment service

Kotak Mahindra Bank UPI — Mobile Banking & BHIM UPI

Kotak UPI profile with a current ₹1 lakh daily transfer ceiling, explicit ₹5,000 first-24-hour security restriction, a live transaction-count scope conflict, current UPI Lite system guidance and detailed RuPay-credit-card-on-UPI controls.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible UPI-linked bank account for account-funded UPI. Eligible Kotak RuPay credit cards can be linked as a separate merchant-payment funding source subject to available credit and UPI/card controls.
Best fitKotak customers who use the bank app/BHIM UPI and need first-day restrictions, daily/count limits and card-funded merchant UPI rules stated without smoothing over conflicting bank help-center counts.
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Credit-card system

10 published card profiles linked to this institution.

Card research remains issuer-specific. This institution page provides direct entry points without flattening fees, rewards, lounge access or forex treatment.

2No-standard-fee
4Premium
5Travel / airline
4Low-forex tagged
Credit-card research

Kotak Solitaire Credit Card

Reviewed Kotak Solitaire launch states no annual fee for eligible Solitaire customers

Reviewed September 9, 2026
Credit-card research

Kotak White Reserve Credit Card

₹12,500 + applicable taxes

Reviewed September 9, 2026
Credit-card research

Kotak Air+ Credit Card

₹3,000 + applicable taxes

Reviewed September 9, 2026
Credit-card research

Kotak Cashback+ Credit Card

₹750 + applicable taxes

Reviewed September 9, 2026
Credit-card research

IndianOil Kotak Credit Card

₹449 + applicable taxes

Reviewed September 9, 2026
Credit-card research

Kotak League Platinum Credit Card

₹499 + applicable taxes

Reviewed September 9, 2026
Rewards Credit Cards8Travel Credit Cards5Low Forex Markup Credit Cards4Airport Lounge Credit Cards3Airline & Air-Miles Credit Cards3Beginner & Entry-Level Cards3
Open the full Kotak Mahindra Bank issuer dossier →
Verified relationship graph

Only institution-documented product relationships appear here.

Same-bank placement never creates an inferred relationship. Every edge keeps its own wording, review date and first-party evidence.

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Maintained product comparisons

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Research activity

Recent review and material-change chronology.

Recent activity describes maintenance work. It is not a product-quality signal.

Institution-level research

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Kotak Mahindra BankvsHDFC BankCompare →Kotak Mahindra BankvsICICI BankCompare →Kotak Mahindra BankvsAxis BankCompare →Kotak Mahindra BankvsIDFC FIRST BankCompare →
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Official evidence & accountability

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Each published product keeps its own review date and first-party sources. Institution-level evidence never replaces product-level terms.

Official institution

Kotak Mahindra Bank

www.kotak.com

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Institution source reviewed

September 9, 2026

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