Netc@rd - Virtual Credit Card For Online Shopping by Kotak Bank


Frequently Asked Questions

What is [email protected]?

Kotak [email protected] is a secure payment solution from Kotak Mahindra Bank. Kotak [email protected] is an online virtual card, created through a debit to your account on Net Banking. You can then use this [email protected] to shop online at any merchant website which accepts VISA cards.

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What are the unique features of [email protected]?

The features are listed below:

  • The actual debit card number is never used in the online transactions. Therefore, there is no risk of the actual card number getting exposed during the online transaction on the merchant website.
  • [email protected] will be valid for a limited period only i.e. maximum 48 hours. This can however be changed by the Bank from time to time.
  • [email protected] can be used at any online merchant site that accepts Visa Cards, thereby providing a secure online payment facility.
  • After the end of the validity period of the [email protected], such unutilized amount will be credited back to your account from which the card was created.
  • [email protected] can be created through Kotak Net Banking

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How safe is the Kotak Mahindra Bank [email protected]?

Please refer the below information:

  • Your [email protected] is created online in real time for an amount decided by you and valid for a limited period only i.e: maximum 48 hrs.
  • [email protected] is an online, single transaction card. Therefore it cannot be used more than once and only up to the limited validity period and cannot be used on a swiping machine.
  • On successful use of [email protected] the same cannot be used again.
  • As a matter of practice, you should create [email protected] just before the payment for the intended purchase, and use it immediately at your chosen Merchant site.

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Who all are eligible for availing of this product?

All resident Indian customers, NRE customers and foreigners who are registered for the net-banking channel access and have at least one valid current / savings account to which they have operating rights over Kotak Net-Banking, can avail of this product.

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How do I generate a [email protected]?

Go to and log on to Net Banking using your login ID (CRN) and password. Click on "[email protected]" tab post which you will receive an OTP at registered mobile number. Select the account from which you wish to draw funds for creating [email protected] and click OK to generate.

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