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The Fundamentals

  • 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.

    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 Earn up to 6% p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 5 crs. Earn 5% p.a. interest on savings account balance up toRs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs. 5 crs. Earn up to 6% p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 5 crs. Earn 5% p.a. interest on savings account balance up toRs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs. 5 crs. Earn up to 6% p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 5 crs. Earn 5% p.a. interest on savings account balance up toRs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs. 5 crs. 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 Neo:JIFI 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 on balance over Rs. 1 lakh and up to Rs. 5 crs. Earn 5% p.a. interest on balance up to Rs. 1 lakh and 5.5% p.a. interest on balance above Rs. 5 crs.

    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 on balance over Rs. 1 lakh and up to Rs. 5 crs. Earn 5% p.a. interest on balance up to Rs. 1 lakh and 5.5% p.a. interest on balance above Rs. 5 crs.

    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

    • 6%* pa on balance above Rs. 1 lac and up to 5 Crore.
    • 5.5% pa on balance above Rs. 5 Crore.
    • 5% p.a. on balance up to Rs. 1 lac
  • 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 with your email from the option available on the home page for each Jifi Variant 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.
    • 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

Hashtag Banking

  • What is Hashtag Banking?

    Hashtag Banking lets you enjoy instant updates of your bank account through your personalised Twitter handle.

  • How secure is Hashtag Banking?

    Rest assured, every tweet request you send will access your Jifi account details that are safely stored on a highly secured virtual location. After getting the respective information, you will receive a DM (direct message) on your personalised Twitter handle (and not the public domain) with the requested details. In case you have any concern, we are just a tweet, call or post away.

    Response is sent from the @kotaksync handle which is automated, with no manual intervention.

  • Will my transactions be visible to everyone on Twitter?

    Rest assured, no one can see your transaction details on Twitter. We send you the requested details via a DM (direct message) on your personalised Twitter handle which is visible to you only.

  • How do I register for Hashtag Banking?

    After activating your Jifi/Jifi Saverbank account, you need to connect your Twitter account through the Jifi dashboard. (Login to www.kotakjifi.com with your credentials and click on the “Hashtag banking” tab. Once, your Twitter account is authenticated, you can tweet to get your bank account details from anywhere, anytime.

    Alternatively, you can log visit the Kotak Bank website

    • If you are accessing the website from a desktop/laptop, go to Convenience Banking → Hashtag Banking
    • If you are accessing it from a mobile phone, go to Easy Banking → Hashtag Banking

  • Who is eligible for Hashtag Banking?

    Any Jifi/Jifi Saver account holder who has a Twitter account is eligible.

  • What should I tweet to avail Hashtag banking services?

    It's easy, just tweet to '@KotakBank Ltd' with the corresponding hashtag for your request (Click here for a list of all available hashtags) and we (@kotaksync) will almost immediately send you a DM (Direct Message) to your personalised twitter handle. Don't forget to follow @kotaksync to enable this feature.

  • What can I do with Hashtag banking?

    There’s a plethora of things you can do with this. A tweet is all it takes to get an instant and secure update on your account balance, transaction history, cheque book request, Net Banking PIN request and many more account activities.

    What’s more, a tweet is all to takes to recharge your mobile or DTH balance.

    Click here for a detailed list

  • My Twitter account is hacked, how should I stop Hashtag banking service?

    Don’t panic, login to www.kotakjifi.com go to Hashtag banking section and deregister your Twitter account.

  • Where can I find all the Twitter hashtags?

    You will find all your hashtags here.

  • How can I perform Mobile/ DTH recharge through Hashtag Banking?

    Tweet the following to @KotakBankLtd to enable recharge:

    • Mobile Recharge: #mobilerecharge <mobile no.> <operator> <amount> @KotakBankLtd
    • DTH Recharge: #dthrecharge <dth a/c no.> <operator> <amount> @KotakBankLtd
    • You need to mention the mobile no. or DTH account no., operator name and recharge amount, along with KotakJifi handle. (E.g. #mobilerecharge 976939XXXX vodafone 100 @KotakBankLtd)
    • Recharge limits are capped at Rs. 500/- max for mobile recharge and Rs.1,000/- for DTH
    • No. of allowed mobile recharge through Twitter are capped at 10 per month and no. of DTH recharge are capped at 5 per month

    Click here for details on mobile & DTH operator codes.

Refer a Friend

  • 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.

Loyalty Rewards

  • 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 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.

Platinum Debit Card

  • 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 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 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
  • 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. Similarly, your Jifi Platinum Chip Card can be used for transactions on Jifi accounts only (Jifi & Jifi Saver variants). The card cannot be linked to any other Kotak account.

  • 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
    • SMS (D - Last 4 digits of your Debit Card) to 9971056767 / 5676788
    • Click on "Service Requests" link after logging into Net Banking under the Banking section
    • Call our 24-hour Customer Contact Centre on1800 102 6022

    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 wholesale exchange rate prevailing at the time of transaction.

  • What should I do if I lose my Kotak Platinum Debit Card Overseas?

    If 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, visitwww.visa.com

  • 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.

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