Since the launch of the revolutionary Kotak 811 zero balance account, cashless payments have never been easier! Forget about carrying cash, now you don’t even have to carry your debit cards to make purchases. The Kotak 811 account holders have the facility of using the innovative 811 App as well as the virtual debit card which is provided free of cost. The virtual debit card is a revolutionary new way to make payments from your mobile. Right from bill payments for DTH, data card, mobile and broadband to buying train, bus or air tickets, you can use the virtual debit cards for a variety of transactions. When you are paying for utilities like electricity, gas and water, virtual debit cards can help you fulfill all of these payments seamlessly.

You can access the virtual debit card as soon as you download the Kotak 811 App and open an account. The virtual debit card features a card number, CVV number and expiry date just like a physical debit card, the only difference is that you can view this in the Kotak 811 app. The best part about the Kotak 811 Virtual Debit Card is that its usage is not just limited to online payments within India but also internationally, without paying any annual fees. If you want to make international payments, all you need to do is enable the international usage option through the Kotak 811 Mobile App. The sheer ease of use makes virtual debit card one of the most convenient means of making cashless payments.

However, being a new entrant in the market, many are not sure about using virtual debit cards. They can be used just like physical debit cards to make online purchases or payments. Additionally, you can also use the Scan & Pay * facility that allows you to make payments at various stores via a QR code. The QR code is a two dimensional, black and white code that can be easily decoded by a tablet or a smartphone. A person or business is assigned a QR code that can be scanned with the Kotak 811 app and the payment to their account can be made seamlessly through Scan & Pay * facility, contains all the information regarding the payment or the beneficiary. Hence, you don’t have to worry about entering wrong information by mistake.


Disclaimer: Scan and Pay through your Kotak Mobile Banking App at select in-store outlets