Higher interest equals higher savings Watch your Savings Grow

In addition to being a one-of-its kind social banking account, Jifi Saver lets you enjoy the perks of a regular Kotak Savings Account, by offering up to 6% p.a. interest on your savings balances.

Maintain an average monthly balance of Rs 20,000 in your Jifi Pro A/c & Rs 10,000 in your Jifi Saver A/c.

Free Online Transfers


Now instantly transfer money to an bank account in india free for Jifi customer

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the Jifi dashboard. You can earn these points by the following ways:

    • a) Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Saver: 60 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • b) Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn't that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the 'redeem tab' on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • What are Extra transaction points?

    Owing to third party tie-up, in addition to transaction points, customers shall also be offered Extra transaction points for online transactions done at participating merchants. We have currently got 100+ ecommerce partners & a set of 7,000+ hotels across 33 countries.

  • Can I transfer my social points to a friend?

    Yes, of course! In order to do so, simply log in to your Jifi dashboard and click the 'Trade Points' tab, which you can find under 'manage points' link.

  • Can I transfer my transaction points to a friend?

    We'd like you to make the most of the transaction points you earn, hence have kept them non-transferrable. But we know you might need to make your friends happy too. You can always convert 4 transaction points into 50 social points and then transfer them to friends within your Jifi network.

  • How to transfer transaction points to social points?

    It is indeed very simple, log in to your Jifi dashboard and click the 'Trade Points' tab, under the 'manage points' link.

  • Can I transfer social points to transaction points?

    Sorry, but this conversion is not possible.

  • How can I redeem my social and transaction points?

    All you need to do is log in to your Jifi dashboard and navigate to the redemption page to avail them.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

Transaction Points

Your Jifi Pro account entitles you to earn 100 transaction points on every online transaction (purchase or bill payment) worth Rs. 1000 or more. All you need to do is shop online using your debit card and pay your bills and earn these points.

These points can then be redeemed for a host of lifestyle, shopping, dining and other exciting reward offers.

.

Transfer upto 2 Lakhs to any bank account in india. Charges waived off for Jifi customer


Same day transfer for all amount greater than 2 Lakhs to any bank account in india. Charges waived off for Jifi customer

Platinum Debit Card Own a Platinum Debit Card

It's Platinum, it's yours! Jifi Debit Card comes with a host of premium benefits catered to your taste. A chip based debit card, that offers added security at PoS terminals and gives you a higher withdrawal limit at ATMs.

Refer a Friend Telling people about the Jifi way of life pays off...

Refer a friend, colleague or your family member to sign up for Jifi and earn 1000 transaction point each time your referred friend opens a Jifi account.

Transact online and Get rewarded (Only available to Jifi Pro A/c holders)


Transact & Earn

Every online transaction is rewarding with Jifi. Pay bills, shop online with your favorite partners, to earn transaction points.

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the Jifi dashboard. You can earn these points by the following ways:

    • a) Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Saver: 60 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • b) Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn't that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the 'redeem tab' on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • What are Extra transaction points?

    Owing to third party tie-up, in addition to transaction points, customers shall also be offered Extra transaction points for online transactions done at participating merchants. We have currently got 100+ ecommerce partners & a set of 7,000+ hotels across 33 countries.

    Visit kotakrewards.com for detailed process and terms & conditions.

    Extra Transaction points would be added in the total count of customers' transaction points and displayed in the Dashboard section -"Classification of your Reward Points", "Recent Transactions" and also in "Detailed Report" section.

  • Can I transfer my social points to a friend?

    Yes, of course! In order to do so, simply log in to your Jifi dashboard and click the 'Trade Points' tab, which you can find under 'manage points' link.

  • Can I transfer my transaction points to a friend?

    We'd like you to make the most of the transaction points you earn, hence have kept them non-transferrable. But we know you might need to make your friends happy too. You can always convert 4 transaction points into 50 social points and then transfer them to friends within your Jifi network.

  • How to transfer transaction points to social points?

    It is indeed very simple, log in to your Jifi dashboard and click the 'Trade Points' tab, under the 'manage points' link.

  • Can I transfer social points to transaction points?

    Sorry, but this conversion is not possible.

  • How can I redeem my social and transaction points?

    All you need to do is log in to your Jifi dashboard and navigate to the redemption page to avail them.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

Transaction Points

Jifi entitles you to earn 100 transaction points on every online transaction (purchase or billpayment) worth Rs. 500 or more. All you need to do is shop online with your favourite partners, listed on the Kotak rewards website and earn these extra points.

These points can then be redeemed for a host of lifestyle, shopping, dining and other exciting reward offers.

Extra Transaction Points

To ensure you get the maximum benefits from each transaction on your Kotak Jifi Platinum Debit card, we bring to you an exclusive opportunity to earn extra transaction points.

All you need to do is shop online with your favourite partners listed on the Kotak rewards website and earn these extra points.

.

Redeem

Redeem reward points instantly, at your favourite shopping or dining destinations

Higher interest equals higher savings Watch your Savings Grow

Jifi Neo lets you enjoy the perks of a regular Kotak Savings Account, by offering up to 6% p.a. interest on your savings balances.

Worry free bankingBalance-free account

Enjoy all the benefits of a regular account, without worrying about tracking and maintaining monthly balances. With Jifi Neo, you can earn up to 6%* interest on your savings.

*Disclaimer: Earn 6% interest p.a. on savings account balance over Rs. 1 Lakh and 5.0% interest p.a. on balances up to Rs, 1 Lakh on Resident Accounts only.

Free Online Transfers


Now instantly transfer money to an bank account in india free for Jifi customer

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the Jifi dashboard. You can earn these points by the following ways:

    • a) Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Saver: 60 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • b) Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn't that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the 'redeem tab' on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • What are Extra transaction points?

    Owing to third party tie-up, in addition to transaction points, customers shall also be offered Extra transaction points for online transactions done at participating merchants. We have currently got 100+ ecommerce partners & a set of 7,000+ hotels across 33 countries.

    Visit kotakrewards.com for detailed process and terms & conditions.

    Extra Transaction points would be added in the total count of customers' transaction points and displayed in the Dashboard section -"Classification of your Reward Points", "Recent Transactions" and also in "Detailed Report" section.

  • Can I transfer my social points to a friend?

    Yes, of course! In order to do so, simply log in to your Jifi dashboard and click the 'Trade Points' tab, which you can find under 'manage points' link.

  • Can I transfer my transaction points to a friend?

    We'd like you to make the most of the transaction points you earn, hence have kept them non-transferrable. But we know you might need to make your friends happy too. You can always convert 4 transaction points into 50 social points and then transfer them to friends within your Jifi network.

  • How to transfer transaction points to social points?

    It is indeed very simple, log in to your Jifi dashboard and click the 'Trade Points' tab, under the 'manage points' link.

  • Can I transfer social points to transaction points?

    Sorry, but this conversion is not possible.

  • How can I redeem my social and transaction points?

    All you need to do is log in to your Jifi dashboard and navigate to the redemption page to avail them.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

Transaction Points

Jifi entitles you to earn 100 transaction points on every online transaction (purchase or billpayment) worth Rs. 500 or more. All you need to do is shop online with your favourite partners, listed on the Kotak rewards website and earn these extra points.

These points can then be redeemed for a host of lifestyle, shopping, dining and other exciting reward offers.

Extra Transaction Points

To ensure you get the maximum benefits from each transaction on your Kotak Jifi Platinum Debit card, we bring to you an exclusive opportunity to earn extra transaction points.

All you need to do is shop online with your favourite partners listed on the Kotak rewards website and earn these extra points.

.

Transfer upto 2 Lakhs to any bank account in india. Charges waived off for Jifi customer


Same day transfer for all amount greater than 2 Lakhs to any bank account in india. Charges waived off for Jifi customer

Worry free banking Balance-free account

Enjoy all the benefits of a regular account, without worrying about tracking and maintaining monthly balances.

Jifi is a non-interest bearing account, however it does not have any minimum balance requirements. What's more, it pays high interest on balances over Rs.25,000 by automatically creating term deposits with your spare cash.

Free Online Transfers


Now instantly transfer money to an bank account in india free for Jifi customer

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the Jifi dashboard. You can earn these points by the following ways:

    • a) Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Saver: 60 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • b) Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn't that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the 'redeem tab' on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • What are Extra transaction points?

    Owing to third party tie-up, in addition to transaction points, customers shall also be offered Extra transaction points for online transactions done at participating merchants. We have currently got 100+ ecommerce partners & a set of 7,000+ hotels across 33 countries.

    Visit kotakrewards.com for detailed process and terms & conditions.

    Extra Transaction points would be added in the total count of customers' transaction points and displayed in the Dashboard section -"Classification of your Reward Points", "Recent Transactions" and also in "Detailed Report" section.

  • Can I transfer my social points to a friend?

    Yes, of course! In order to do so, simply log in to your Jifi dashboard and click the 'Trade Points' tab, which you can find under 'manage points' link.

  • Can I transfer my transaction points to a friend?

    We'd like you to make the most of the transaction points you earn, hence have kept them non-transferrable. But we know you might need to make your friends happy too. You can always convert 4 transaction points into 50 social points and then transfer them to friends within your Jifi network.

  • How to transfer transaction points to social points?

    It is indeed very simple, log in to your Jifi dashboard and click the 'Trade Points' tab, under the 'manage points' link.

  • Can I transfer social points to transaction points?

    Sorry, but this conversion is not possible.

  • How can I redeem my social and transaction points?

    All you need to do is log in to your Jifi dashboard and navigate to the redemption page to avail them.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

Transaction Points

Jifi entitles you to earn 100 transaction points on every online transaction (purchase or billpayment) worth Rs. 500 or more. All you need to do is shop online with your favourite partners, listed on the Kotak rewards website and earn these extra points.

These points can then be redeemed for a host of lifestyle, shopping, dining and other exciting reward offers.

Extra Transaction Points

To ensure you get the maximum benefits from each transaction on your Kotak Jifi Platinum Debit card, we bring to you an exclusive opportunity to earn extra transaction points.

All you need to do is shop online with your favourite partners listed on the Kotak rewards website and earn these extra points.

.

Transfer upto 2 Lakhs to any bank account in india. Charges waived off for Jifi customer


Same day transfer for all amount greater than 2 Lakhs to any bank account in india. Charges waived off for Jifi customer

Platinum Debit Card Own a Platinum Debit Card

It's Platinum, it's yours! Jifi Debit Card comes with a host of premium benefits catered to your taste. A chip based debit card, that offers added security at PoS terminals and gives you a higher withdrawal limit at ATMs.

Transact online and Get rewarded


Transact & Earn

Every online transaction is rewarding with Jifi. Pay bills, shop online with your favorite partners, to earn transaction points.


Redeem

Redeem reward points instantly, at your favourite shopping or dining destinations

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the Jifi dashboard. You can earn these points by the following ways:

    • a) Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Saver: 60 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • b) Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn’t that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the ‘redeem tab’ on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • What are Extra transaction points?

    Owing to third party tie-up, in addition to transaction points, customers shall also be offered Extra transaction points for online transactions done at participating merchants. We have currently got 100+ ecommerce partners & a set of 7,000+ hotels across 33 countries.

    Visit kotakrewards.com for detailed process and terms & conditions.

    Extra Transaction points would be added in the total count of customers’ transaction points and displayed in the Dashboard section -“Classification of your Reward Points”, “Recent Transactions” and also in “Detailed Report” section.

  • Can I transfer my social points to a friend?

    Yes, of course! In order to do so, simply log in to your Jifi dashboard and click the ‘Trade Points’ tab, which you can find under ‘manage points’ link.

  • Can I transfer my transaction points to a friend?

    We’d like you to make the most of the transaction points you earn, hence have kept them non-transferrable. But we know you might need to make your friends happy too. You can always convert 4 transaction points into 50 social points and then transfer them to friends within your Jifi network.

  • How to transfer transaction points to social points?

    It is indeed very simple, log in to your Jifi dashboard and click the ‘Trade Points’ tab, under the ‘manage points’ link.

  • Can I transfer social points to transaction points?

    Sorry, but this conversion is not possible.

  • How can I redeem my social and transaction points?

    All you need to do is log in to your Jifi dashboard and navigate to the redemption page to avail them.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the KotakJifi dashboard (after logging). You can earn these points by the following ways:

    • Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Pro: 100 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn't that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the 'redeem tab' on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • Can I transfer my social points to a friend?

    Yes, of course! In order to do so, simply log in to your Jifi dashboard and click the 'Trade Points' tab, which you can find under 'manage points' link.

  • Can I transfer my transaction points to a friend?

    We'd like you to make the most of the transaction points you earn, hence have kept them non-transferrable. But we know you might need to make your friends happy too. You can always convert 4 transaction points into 50 social points and then transfer them to friends within your Jifi network.

  • How to transfer transaction points to social points?

    It is indeed very simple, log in to your Jifi dashboard and click the 'Trade Points' tab, under the 'manage points' link.

  • Can I transfer social points to transaction points?

    Sorry, but this conversion is not possible.

  • How can I redeem my social and transaction points?

    All you need to do is log in to your Jifi dashboard and navigate to the redemption page to avail them.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

Transaction Points

Your Jifi Account entitles you to earn 100 transaction points on every online transaction (purchase or bill payment) worth Rs. 500 or more. All you need to do is shop online using your debit card and pay your bills and earn these points.

These points can then be redeemed for a host of lifestyle, shopping, dining and other exciting reward offers.

79387
People already connected to Jifi.
Tap into a new world of banking. What are you waiting for? Don't hesitate to live your life on your own terms.
No matter where you are, no matter the time - access, transact and get updates!

Most Recent Awards


Awarded as the

Best New Product

at the EFMA Accenture Innovation Awards, 2014


Here's a list of all the accolades Jifi has won! #SuperAmazing awards for a #SuperCool banking buddy.

Efma Accenture Innovation Awards 2014

  Award Category Entry Title
  Winner Best new product and service Kotak Jifi
  Runners up Most disruptive innovation Kotak Jifi

Exchange4media's Indian Digital Media Awards (IDMA) 2014

  Award Category Entry Title
  Gold Best Digital Innovation Kotak Jifi: The world's first socially powered bank account
  Gold Best App Developed World's first banking application using Twitter

EMVIES 2014

  Award Category Entry Title
  Gold Best Media Innovation - Digital (Social Media) Kotak Jifi - The World's First Twitter Banking
  Silver Best Implementation Team of the Year Kotak Jifi - The world's first Twitter Banking
  Silver Best Media Innovation from Media Agencies not exceeding 50 Cr Annual Billing Kotak Jifi - Building The World's First Social Media Bank

Campaign India Digital Crest Awards (CIDCA) 2014

  Award Category Entry Title
  Platinum Media Innovation Kotak Jifi: The world's first Twitter banking
  Gold Viral marketing campaign Kotak Jifi: World's first bank built through referrals
  Gold Use of social media in a campaign Kotak Jifi: Building the world's first social media bank
  Gold Online Marketing Kotak Jifi: Building the world's first social media bank
  Gold Digital Strategy Kotak Jifi - Launching the world's first Social Media bank
  Silver Loyalty Kotak Jifi: World's first bank built through a social loyalty program

Socialathon 2014

  Award Category
  Silver Social Commerce
  Bronze Best Use of Social Media in a Larger Campaign
  Bronze Creating and Managing Social Communities

What's new with Jifi

You're about to leave our website


This is to inform that by clicking on the hyperlink, you will be leaving www.kotakjifi.com and entering a website operated by other parties:

http://www.kotakrewards.com

Such links are only provided on our website for the convenience of the Client and Kotak Mahindra Bank does not control or endorse such websites and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein are in conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

CREATE A NEW ACCOUNT

Sign up with Email ID
  • captcha   Refresh

Forgot Password?

Enter your email address and we will send you a link to reset your password
  • captcha   Refresh
  • Cancel

Hi there,

Here’s a quick heads up on your Jifi account. There is a change in the denomination of your transaction points. They will be four times its original count, value however remaining the same.

What’s more, we now bring you the exclusive opportunity to earn extra transaction points by shopping online with your favourite partners on www.kotakrewards.com

OK

Dear Jifi customer,

We wish to inform you that the list of Hashtag for requesting various services has been updated.
Now you need to tweet to @KotakBankLtd with the corresponding Hashtag to place a service request.
For eg- For Balance enquiry tweet the following : @KotakBankLtd #Bal
Click here to find the revised list of Hashtags.

OK

You're about to leave our website


This is to inform that by clicking on the hyperlink, you will be leaving www.kotakjifi.com and entering a website operated by other parties:

http://www.kotakrewards.com

Such links are only provided on our website for the convenience of the Client and Kotak Mahindra Bank does not control or endorse such websites and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein are in conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

  • What is a Kotak Jifi account?

    Jifi is a new age digital account that offers unparalleled convenience. Easy & anytime access, hassle-free transactions and numerous benefits, that is what Jifi is all about. What’s more, banking is now social & more rewarding as you can receive banking account updates through Twitter, do Free Funds transfer through NEFT/IMPS online and adding friends to your Jifi network.

    Jifi has two account variants:

    Particulars Jifi Neo Jifi Saver Jifi Pro Jifi
    Minimum Balance Requirement No Minimum Balance INR 10,000 INR 20,000 No Minimum Balance
    Interest rates offered 5.0% p.a. on balances up to Rs. 1 lac 6% p.a. on balances above Rs. 1 lac 5.0% p.a. on balances up to Rs. 1 lac 6% p.a. on balances above Rs. 1 lac 5.0% p.a. on balances up to Rs. 1 lac 6% p.a. on balances above Rs. 1 lac NIL
    Eligibility Resident Indian Individuals Resident Indian Individuals Resident Indian Individuals Resident Indian Individuals
  • What is the minimum balance I need to maintain for all the account variants?

    JIFI NeoJIFI Neo account does not require any minimum balance to be maintained. However, as a part of the activation and the verification process, funding the account with minimum amount of Rs.5, 000 is required, which you can later utilize for online transactions or any other banking needs.

    JIFI Saver It comes with a minimum balance requirement of Rs. 10,000. The balances you maintain earn you up to 6% p.a. interest

    JIFI Pro: : It comes with a minimum balance requirement of Rs. 20,000. The balances you maintain earn you up to 6% p.a. interest.

    JIFI : JIFI account does not require any minimum balance to be maintained. However, as a part of the activation and the verification process, funding the account with minimum amount of Rs.10, 000 is required, which you can later utilize for online transactions or any other banking needs.

  • What are the charges levied on the account variants:

    1.Jifi Neo

    2.Jifi Saver

    3.Jifi Pro

    4.Jifi

    To know about the complete charges click here

  • How can I fund the account?

    It surely is an effortless process. You can fund your account online through Net Banking or a Debit Card transaction from your other bank account(s) or handover a cheque to our executive at the time of account opening.

  • Why do I need to make an Initial Payment if my account does not require a minimum balance, in case of the Jifi/ Jifi Neo variant of the account?

    As a part of the activation and the verification process, funding the account with minimum amount, which you can later utilize for online transactions or any other banking needs.Below are the product vise minimum amount to be funded: Jifi Neo: Rs 5,000 Jifi: NIL

  • Does the account earn interest?

    JIFI Neo/Saver/Pro: Yes, these accounts offer you interest on the daily balances maintained in the account. The rate of interest offered is

    * Up to 1 lac - 5.0 p.a. * Above INR 1 lac – 6.0 p.a.

    JIFI:When your account balance crosses Rs.25, 000 and the amount sweeps out towards a Term Deposit (TD), you will earn interest as per the existing term deposit rates as applicable for a 180 days deposit.


    Do these product variants provide funds transfer facility? Yes. These accounts do offer both online and offline funds transfer facility through NEFT/IMPS/RTGS Funds transfer online using NEFT/IMPS/RTGS is absolutely free of cost. For offline charges you can refer the fees and charges (link)

  • What are the details fees and charges of this account?

    To know about the complete charges and fees related to all the JIFI account variants click here

  • How can I apply for a Jifi account?

    Simply sign-up through the Facebook or email option available on the home page and complete the online application process to get started.

  • When would my Jifi account get active?

    Once you have filled the online application form, our representative would visit you for completion of documentation formalities. Once that is done, your account would get active within the next 7-10 working days.

  • Which documents (data) do I need to submit to open a JIFI Account?

    You need to submit two set of documents.

    1. Personal information - To verify your identification details, you need to submit your PAN Card, Aadhar Card or Passport

    2. Communication Address - To verify your address, you can submit your home Electricity or Telephone Bill. In the absence of these documents, other relevant KYC (Know Your Customer) documents will be accepted.

    3. In case the communication address is different from the permanent address, Bank shall initiate a address visit to confirm the residence proof.

  • Tell me more about the JIFI Transaction rewards program

    The Jifi Transaction rewards program is currently available for the following Jifi Variants: Jifi Pro and Jifi

  • Would I be able to enjoy benefits of the Loyalty Program (Jifi Pro/Jifi) without a Facebook account?

    We’re passionate about the social element of banking with Jifi, and hence the loyalty program has been designed to require a login with Facebook.

  • What is a Kotak Jifi account?

    Jifi is a new age digital account that offers unparalleled convenience. Easy & anytime access, hassle-free transactions and numerous benefits, that is what Jifi is all about. What's more, banking is now social & more rewarding as you can receive banking account updates through Twitter, gain reward points for transacting online and adding friends to your Jifi network.

    Jifi has two account variants:

      Jifi Saver Jifi
    Minimum Balance Requirement INR 10,000 No Minimum Balance
    Interest rates offered 5.0% p.a. on balances up to Rs. 1 lac
    6% p.a. on balances above Rs. 1 lac
    NIL
    Eligibility Resident Indian Individuals Resident Indian Individuals

    One has to be a resident Indian individual to apply for either of the accounts.

  • What is the minimum balance I need to maintain for the Jifi account?

    JIFI Saver: It comes with a minimum balance requirement of Rs. 10,000. The balances you maintain earn you up to 6% p.a. interest

    JIFI: JIFI account does not require any minimum balance to be maintained. However, as a part of the activation and the verification process, funding the account with minimum amount of Rs.10,000 is required, which you can later utilize for online transactions or any other banking needs.

  • What is ActivMoney? How much interest do I get in it?

    The ActivMoney facility helps you convert idle funds above Rs.25,000 (for JIFI) and Rs. 50,000 (for JIFI Saver) in your account by moving it to a term deposit(TD) in multiples of Rs.5,000. This earns a TD rate of interest depending on the tenure. The default tenure booked is 180 days. In case of a shortfall in your account, the amount (in multiples of Rs.5,000) is withdrawn from your TD, thereby giving you the convenience of getting payments processed with ease at all times..

  • What are the charges levied on the Kotak Jifi account?

    To know about the nominal charges click here

  • Would I be able to enjoy benefits of the Loyalty Program without a Facebook account?

    We're passionate about the social element of banking with Jifi, and hence the loyalty program has been designed to require a login with Facebook.

  • How can I fund the account?

    It surely is an effortless process. You can fund your account online through Net Banking or a Debit Card transaction from your other bank account(s) or handover a cheque to our executive at the time of account opening.

  • Why do I need to make an Initial Payment if my account does not require a minimum balance, in case of the Jifi variant of the account?

    As a part of the activation and the verification process, funding the account with minimum amount of Rs.10,000 is required, which you can later utilize for online transactions or any other banking needs.

  • Can you share a quick comparison of the Jifi and Jifi Saver account variants?

    Jifi Saver is a Savings Account with a minimum balance requirement of INR 10,000 offering an interest rate of up to 6% p.a. on account balance. Jifi is a non-interest bearing current account, with no minimum account balance requirements.

    To see the quick comparision, click here

  • Does the account earn interest?

    JIFI Saver: Yes, this account offers you interest on the daily balances maintained in the account.
    The rate of interest offered is

    • Up to 1 lac - 5.0 p.a.
    • Above INR 1 lac – 6.0 p.a.

    JIFI: When your account balance crosses Rs.25,000 and the amount sweeps out towards a Term Deposit (TD), you will earn interest as per the existing term deposit rates as applicable for a 180 days deposit

  • When will I be eligible for ActivMoney?

    JIFI Saver: In case of JIFI Saver, ActivMoney is not active by default. Customers can initiate a request to activate ActiveMoney at the time of account opening or any time post a/c opening.
    Post activation, the funds are moved to a Term Deposit, once the balance crosses Rs. 50,000.

    JIFI: Once your account balance crosses Rs.25,000/-, funds are automatically moved into term deposits at applicable interest rates, giving high returns on idle money.

  • How can I apply for a Jifi account?

    Simply sign-up through the Facebook or email option available on the home page and complete the online application process to get started.

  • I don't have a Facebook account – can I still invite myself?

    Yes, certainly. You can open a Jifi account and access the dashboard, without a Facebook account too. You can do this through your email id and a password that you need to set for accessing your dashboard.

  • When would my Jifi account get active?

    Once you have filled the online application form, our representative would visit you for completion of documentation formalities. Once that is done, your account would get active.

  • Which documents (data) do I need to submit to open a JIFI Account?

    You need to submit two set of documents.

    • 1. Personal information - To verify your identification details, you need to submit your PAN Card, Aadhar Card or Passport
    • 2. Communication Address - To verify your address, you can submit your home Electricity or Telephone Bill.
      In the absence of these documents, other relevant KYC (Know Your Customer) documents will be accepted.
    • 3. In case the communication address is different from the permanent address, Bank shall initiate a address visit to confirm the residence proof.
  • What is the daily ATM withdrawal limit?

    With the privileged Platinum Chip Debit Card you can withdraw a maximum of Rs.50,000 at an ATM, daily.

  • What is the daily purchase limit on the card?

    Go on a shopping spree with a daily purchase limit of Rs.2 Lakhs.

  • What option should I select between 'Saving' and 'Current' Account to withdraw cash from Kotak ATMs?

    Simply select the "Savings account" option to withdraw cash from an ATM in case of a Jifi Pro or Jifi Saver account and the “Current account” option in case of the Jifi Account.

  • What are the exclusive features of this card?

    • Enjoy a purchase limit of Rs.2 Lakhs and a lost card liability insurance of Rs.2 Lakhs. The insurance covers any misuse up to 30 days prior and 7 days after reporting loss of card
    • Highly safe and secure, as all account details are encrypted on the chip of the card
    • Enjoy it free for the first year
    • Lost Baggage Insurance of Rs.1 Lakh
    • Air Accident Insurance of Rs.20 Lakhs
  • How do I use my card for online shopping?

    All you need to do is use your card with your ATM PIN to shop on online shopping portals.

  • How do I activate my Platinum Jifi card^?

    Opt for one of the following ways:

    • Use your Debit Card at any Visa ATM or purchase outlet with your ATM PIN
      OR
    • SMS (D - Last 4 digits of your Debit Card) to 9971056767 / 5676788
      OR
    • Click on "Service Requests" link after logging into Net Banking under the Banking section
      OR
    • Call our 24-hour Customer Contact Centre on 1800 102 6022
      OR

      ^The Bank will charge cross currency markup of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MASTERCARD wholesale exchange rate prevailing at the time of transaction
  • What should I do if I lose my Kotak Platinum Debit Card Overseas?

    you happen to lose your Kotak Platinum Debit Card, don't panic, simply call Visa Global Customer Assistance (GCAS); this service is available to our Kotak Platinum Debit Card customers almost anywhere in the world. For a nominal cost, you can request a new card which can be delivered to you at the earliest. To know Visa GCAS numbers, visit www.visa.com

  • I already have a Kotak Debit Card for another Kotak a/c, can I use it to operate my Jifi account too?

    No, you can't, as Jifi comes with its exclusive Platinum Debit card which is not linked to any other Kotak bank account.

  • What is the daily ATM withdrawal limit?

    With the privileged Platinum Chip Debit Card you can withdraw a maximum of Rs.50,000 at an ATM, daily.

  • What is the daily purchase limit on the card?

    Go on a shopping spree with a daily purchase limit of Rs.2 Lakhs.

  • What option should I select between 'Saving' and 'Current' Account to withdraw cash from Kotak ATMs?

    Simply select the "Current account" option to withdraw cash from an ATM in case of a Jifi Account and the “Savings account” option in case of the Jifi Pro or Jifi Saver account.

  • What are the exclusive features of this card?

    • Enjoy a purchase limit of Rs.2 Lakhs and a lost card liability insurance of Rs.2 Lakhs. The insurance covers any misuse up to 30 days prior and 7 days after reporting loss of card
    • Highly safe and secure, as all account details are encrypted on the chip of the card
    • Enjoy it free for the first year
    • Lost Baggage Insurance of Rs.1 Lakh
    • Air Accident Insurance of Rs.20 Lakhs
  • How do I use my card for online shopping?

    All you need to do is use your card with your ATM PIN to shop on online shopping portals.

  • How do I activate my Platinum Jifi card^?

    Opt for one of the following ways:

    • Use your Debit Card at any Visa ATM or purchase outlet with your ATM PIN
      OR
    • SMS (D - Last 4 digits of your Debit Card) to 9971056767 / 5676788
      OR
    • Click on "Service Requests" link after logging into Net Banking under the Banking section
      OR
    • Call our 24-hour Customer Contact Centre on 1800 102 6022
      OR

      ^The Bank will charge cross currency markup of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MASTERCARD wholesale exchange rate prevailing at the time of transaction
  • What should I do if I lose my Kotak Platinum Debit Card Overseas?

    you happen to lose your Kotak Platinum Debit Card, don't panic, simply call Visa Global Customer Assistance (GCAS); this service is available to our Kotak Platinum Debit Card customers almost anywhere in the world. For a nominal cost, you can request a new card which can be delivered to you at the earliest. To know Visa GCAS numbers, visit www.visa.com

  • I already have a Kotak Debit Card for another Kotak a/c, can I use it to operate my Jifi account too?

    No, you can't, as Jifi comes with its exclusive Platinum Debit card which is not linked to any other Kotak bank account.

  • What is Loyalty Rewards all about?

    Loyalty Rewards entitle you to earn social and transaction points, which can then be redeemed for a host of lifestyle, shopping and dining offers.

  • How do I earn social points?

    Apart from inviting your friends to your Jifi Circle, your social activities are also rewarded, which includes liking and commenting on Kotak Jifi and Kotak Bank Facebook pages.

  • What are transaction points?

    Every transaction point is worth Rs. 0.25. Several of these once accumulated can be redeemed for a host of exciting offers available on the KotakJifi dashboard (after logging). You can earn these points by the following ways:

    • Making an online transaction (purchase) or paying a bill online (up to 6 per transactions per month)
      - JIFI Pro: 100 transaction points on a minimum transaction value of Rs. 1,000
      - JIFI: 100 transaction points on a minimum transaction value of Rs. 500
    • Once you have referred your friends to the Jifi network, you earn 1,000 points once their Jifi account gets activated. So with 1,000 points per referral and with a maximum 25 referrals per year, you can earn 25,000 points just with referrals, isn't that great!
  • Which online transactions do not qualify for the transaction points?

    • Any NEFT, RTGS, IMPS fund transfers or any other type of fund transfer such as Email fund transfer, transfer via KayPay etc.
    • Any Credit card payment
    • Any transfer from one Kotak a/c to another Kotak a/c
  • What can social points get me?

    Once you have accumulated social points, you can redeem them for a host of discount vouchers on lifestyle products & services, movies and more, which you check out on the 'redeem tab' on your Jifi dashboard.

  • What can transaction points get me?

    All your accumulated transaction points can be redeemed for exciting gift vouchers of equivalent cash value.

  • How many social points can I earn in a month?

    Totally depends on how social you are. The more number of friends you add, or the more you interact with us on Facebook, the more social points you earn.

  • Is there any specified minimum length of the comment on Facebook and how many comments will be considered for points?

    Yes, the comments that you post on Facebook needs to be atleast of 20 characters without any tags and just one comment per post will be considered for reward points.

  • How do I refer my friends for the Jifi account?

    You can easily refer your friends through Facebook or by sharing a unique email link. All you need to do is send them an invite by clicking on the 'Refer Friends' button on your Jifi dashboard.

  • When do I get my rewards for the referrals?

    The referral rewards start from the time you refer your friends to Jifi, till their account is opened. In case your friend does not open the JIFI account, you are still eligible to redeem the social points earned.

    Each successful referral who opens a Jifi account would be eligible for 1,000 transaction points, capped to a maximum of 25 such successful referrals in a year.

  • Why should my friend apply only using the link received via email?

    If your friend uses the Email link from you to get her Jifi account, only then you will get reward points for the successful referral. So make sure your friend uses your invitation.

  • What happens if my referred friend goes online and applies without using the link?

    Too bad, if your friend decides to invite herself without using your referral link, then you will not receive any social or transaction points.

  • My referred friend opened the account but it is not showing in my list. What do I do?

    We appreciate that you have invited your friend to Jifi network. But if you are unable to find him in your list then it is possible that your friend may have not used the referral link provided by you, to invite herself to Jifi. Do share the details of your reference with us and we will get back to you.

  • If a person is referred by 2 people, who gets the credit?

    It's simple, the person whose email referral link is clicked to get a Jifi account, will get the reward points.

  • How do I refer my friends for the Jifi account?

    You can easily refer your friends through Facebook or by sharing a unique email link. All you need to do is send them an invite by clicking on the 'Refer Friends' button on your Jifi dashboard.

  • When do I get my rewards for the referrals?

    The referral rewards start from the time you refer your friends to Jifi, till their account is opened. In case your friend does not open the JIFI account, you are still eligible to redeem the social points earned.

    Each successful referral who opens a Jifi account would be eligible for 1,000 transaction points, capped to a maximum of 25 such successful referrals in a year.

  • Why should my friend apply only using the link received via email?

    If your friend uses the Email link from you to get her Jifi account, only then you will get reward points for the successful referral. So make sure your friend uses your invitation.

  • What happens if my referred friend goes online and applies without using the link?

    Too bad, if your friend decides to invite herself without using your referral link, then you will not receive any social or transaction points.

  • My referred friend opened the account but it is not showing in my list. What do I do?

    We appreciate that you have invited your friend to Jifi network. But if you are unable to find him in your list then it is possible that your friend may have not used the referral link provided by you, to invite herself to Jifi. Do share the details of your reference with us and we will get back to you.

  • If a person is referred by 2 people, who gets the credit?

    It's simple, the person whose email referral link is clicked to get a Jifi account, will get the reward points.

  • What is the daily ATM withdrawal limit?

    With the privileged Platinum Chip Debit Card you can withdraw a maximum of Rs.50,000 at an ATM, daily.

  • What is the daily purchase limit on the card?

    Go on a shopping spree with a daily purchase limit of Rs.2 Lakhs.

  • What option should I select between 'Saving' and 'Current' Account to withdraw cash from Kotak ATMs?

    Simply select the "Current account" option to withdraw cash from an ATM in case of a Jifi Account and the “Savings account” option in case of the Jifi Pro or Jifi Saver account.

  • What are the exclusive features of this card?

    • Enjoy a purchase limit of Rs.2 Lakhs and a lost card liability insurance of Rs.2 Lakhs. The insurance covers any misuse up to 30 days prior and 7 days after reporting loss of card
    • Highly safe and secure, as all account details are encrypted on the chip of the card
    • Enjoy it free for the first year
    • Lost Baggage Insurance of Rs.1 Lakh
    • Air Accident Insurance of Rs.20 Lakhs
  • How do I use my card for online shopping?

    All you need to do is use your card with your ATM PIN to shop on online shopping portals.

  • How do I activate my Platinum Jifi card^?

    Opt for one of the following ways:

    • Use your Debit Card at any Visa ATM or purchase outlet with your ATM PIN
      OR
    • SMS (D - Last 4 digits of your Debit Card) to 9971056767 / 5676788
      OR
    • Click on "Service Requests" link after logging into Net Banking under the Banking section
      OR
    • Call our 24-hour Customer Contact Centre on 1800 102 6022
      OR

      ^The Bank will charge cross currency markup of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MASTERCARD wholesale exchange rate prevailing at the time of transaction
  • What should I do if I lose my Kotak Platinum Debit Card Overseas?

    you happen to lose your Kotak Platinum Debit Card, don't panic, simply call Visa Global Customer Assistance (GCAS); this service is available to our Kotak Platinum Debit Card customers almost anywhere in the world. For a nominal cost, you can request a new card which can be delivered to you at the earliest. To know Visa GCAS numbers, visit www.visa.com

  • I already have a Kotak Debit Card for another Kotak a/c, can I use it to operate my Jifi account too?

    No, you can't, as Jifi comes with its exclusive Platinum Debit card which is not linked to any other Kotak bank account.