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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 evidencePublished researchReviewed September 11, 2026Active Transition
Cost / chargesReviewed 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.
Linked accountNo separate card balance; account balance/salary-credit rules belong to the linked Everyday account variant.
Transaction limitsCurrent Kotak card directory publishes ₹5 lakh daily purchase and ₹1 lakh daily ATM withdrawal limits for the Everyday Debit Card.
Core benefitsEveryday Debit Card offers attach to Kotak's Everyday account proposition; current merchant/reward offers should be checked separately.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sourcesProduct state: Active Transition
Last checkedSeptember 11, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateRecheck approaching

Target recheck: November 10, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesReviewed 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.
02 · Linked accountNo separate card balance; account balance/salary-credit rules belong to the linked Everyday account variant.
03 · Transaction limitsCurrent Kotak card directory publishes ₹5 lakh daily purchase and ₹1 lakh daily ATM withdrawal limits for the Everyday Debit Card.
04 · Core benefitsEveryday Debit Card offers attach to Kotak's Everyday account proposition; current merchant/reward offers should be checked separately.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesReviewed 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.
Linked accountNo separate card balance; account balance/salary-credit rules belong to the linked Everyday account variant.
Core benefitsEveryday Debit Card offers attach to Kotak's Everyday account proposition; current merchant/reward offers should be checked separately.
Transaction limitsCurrent Kotak card directory publishes ₹5 lakh daily purchase and ₹1 lakh daily ATM withdrawal limits for the Everyday Debit Card.
EligibilityIssued with eligible Kotak Everyday Savings or Everyday Salary Account relationships.
Account relationshipExplicitly relationship-dependent: Everyday Savings vs Everyday Salary changes annual-fee treatment.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Kotak Everyday account customers who want to understand the debit card as part of the account relationship rather than as a standalone product.

Verify before relying
  • Kotak currently marks Everyday Debit Card as discontinued from new issuance; existing-card terms can remain relevant while fresh issuance is unavailable.
  • Do not quote one annual fee without identifying whether the linked relationship is Everyday Savings or Everyday Salary.
  • Merchant offers are time-sensitive and separate from the base card tariff.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Linked to Everyday Savings

Kotak Everyday Savings Account

Kotak's Everyday Account schedule explicitly lists the Every Day Debit Card for the Everyday Savings Account variant.

The reviewed schedule lists first-year free treatment followed by the stated annual charge for the savings variant; current GSFC controls.Verify relationship at bank ↗
Linked to Everyday Salary

Kotak Everyday Salary Account

Kotak's Everyday Account schedule explicitly lists the Every Day Debit Card with the salary variant and shows nil annual debit-card charge for that salary relationship.

Salary-credit/AMB conditions control continued salary-product treatment; account conversion can change the applicable fee schedule.Verify relationship at bank ↗
First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.