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Kotak 811 #DreamDifferent debit card is offered exclusively to the Kotak 811 account holders. It provides all the essential debit card benefits, including easy cash withdrawals from ATMs, a virtual card, insurance coverage, and 24X7 customer support to its customers. You can make contactless and international payments through this debit card. You can apply for Kotak 811 #DreamDifferent debit card via mobile banking app or WhatsApp.
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Kotak 811 #DreamDifferent Debit Card (Dec 2025) |
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| Daily ATM Withdrawal / Purchasing Limit | Rs. 25,000 / Rs. 1 lakh (Combined – India & Abroad) |
| Free ATM Transactions | Non Kotak ATM: 3 (Metro) or 5 (Non-metro) transactions (Financial or non-financial transactions) |
| Eligibility | Kotak 811 Savings Account holders |
| Benefits |
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Note: The above-mentioned debit card details are updated as of December 2025.
The Kotak 811 #DreamDifferent debit card comes with the following features and benefits:
This card is accepted globally making it easier to make domestic and international transactions. You can use this card for ATMs, offline as well as online transactions at more than a million merchants. However, to be eligible for international transactions, you must have completed full KYC.
Suggested Read: Best Credit Cards for International Use
Kotak 811 Debit card comes in two variants- physical as well virtual. The virtual credit cards and debit cards allow the cardholders to make online transactions as well as make contactless payments at the merchant outlets through the ‘Scan and Pay’ feature.
The Kotak bank cards have in-built chip technology which ensures that all your transactions are secured. The bank also provides the ‘Tap and Pay’ feature to its cardholders to make contactless payments. You can make contactless payments just by tapping your debit cards at the Point of Sale (PoS) machines. This feature is applicable on your transactions of up to Rs. 5,000. Exclusive Card Offers from India’s top banks are just a click away Error: Please enter a valid number
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Kotak bank lets you withdraw cash for free for a certain number of transactions from Kotak as well as other bank ATMs. However, even after the free transactions, you just have to pay a nominal fee to withdraw cash. No fee is charged on non-financial transactions done at the Kotak bank ATMs.
Similar to many credit cards, Kotak debit card users are also provided with complimentary insurance cover with Kotak 811 Debit Card, as described below:
| Card Protection Liability Cover | Up to Rs. 2,50,000 |
| Purchase Protection Cover | Rs. 50,000 |
| Personal Accidental Death Cover | Up to Rs. 2,00,000 |
The Kotak 811 #DreamDifferent debit card users also get a 24-hours Visa Global Customer Assistance Services (GCAS) which they can use for the following issues:
The Kotak credit card and debit card users can avail several exclusive discount and cashback offers on popular brands across categories, including fine dining, lifestyle, travel, health & Fitness, and more.
Generally, a debit card is issued on opening any savings account. But, to be eligible to get this debit card, you must have a Kotak 811 Savings Account. This card is not available for those who have any other Kotak account, including the Kotak 811 Lite account holders. And in order to open an 811 savings account, you need your PAN card and an address proof.
| Fee Type | Details |
| Issuance Charges | Rs. 399 |
| Annual Fee | Rs. 399 |
| Card Replacement Fee | Rs. 299 |
| ATM Charges (beyond free transactions) | For Financial Transactions: Rs. 23
For Non-Financial Transactions: Rs. 10 on domestic ATMs of other banks |
| Foreign Exchange Mark-up Fee | 3.5% |
Note: Above mentioned fees and charges are updated as of Dec 2025 and are inclusive of taxes. Issuance charges to be levied upfront before issuance.
Click here to check detailed fees and charges associated with Kotak 811 #DreamDifferent Debit Cards.
Note: Starting 1st December 2025, a nominal fee of ₹0.15 per SMS will be applicable for SMS alerts.
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You can get this card against your Kotak 811 account. To apply, you can visit the nearest Kotak bank branch and submit your application form. Online procedure is also available to get your Kotak 811 #DreamDifferent debit card. You can get both virtual and physical variants of this card by logging into your account via the bank website or app. The steps to get the virtual debit card are as follows:
Step 1: Log into the Kotak 811 savings account through the mobile banking app.
Step 2: Tap on the ‘811’ option.
Step 3: Select the ‘Virtual Debit Card’ tab.
Step 4: Click on the ‘Get One Now’ option.
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You can connect to the 24-hour Kotak customer care service in India by calling at 1860-266-0811. If you are calling from any of the overseas locations, you may call at +91 22-6204-2001 to get the toll free numbers.
You can access your Kotak 811 #DreamDifferent virtual debit card on the Kotak mobile banking app after opening your account. This card is given to those who have verified their details through the Aadhaar OTP and can be used to make online payments and for ‘scan and pay’ transactions at the POS.
The Kotak 811 #DreamDifferent Debit card comes with an applicable issuance fee of Rs. 399. Click here to check other fees and charges associated with this debit card.
The limit for Kotak 811 Debit Card varies across cash withdrawal and shopping. For cash withdrawals at ATM, the daily limit is Rs. 25,000 whereas the daily shopping limit is Rs. 1 Lakh. Please note that the limit may vary from any card holder to another.
If you have not received your physical Kotak 811 #DreamDifferent debit card even after 10 days of submitting your order request, you should call the Kotak customer assistance services.
You can get the Kotak 811 Debit Card at the Kotak mobile banking app. Note that this card is issued only to the Kotak 811 account holders.
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