banking solutions

Being a part of a large financial conglomerate, we are one of the few Indian private banks that have access to
a holistic banking platform. We offer bespoke solutions to meet your banking and digital requirements.

Terms and Conditions

Eligibility Criteria

Criteria to be satisfied at Group* level:

  • Criteria to be maintained/satisfied at CRN level : Rs 7.5 Cr Relationship Value* (or USD equivalent)
  • For New to Bank Relationships# - Initial payment of 50 lakhs at the time of savings bank account opening, post which the client will have to maintain eligibility as mentioned above.

*Relationship Value as defined by Private Banking from time to time. The membership / benefits / vouchers will be applicable to clients who have an active Savings bank account or transaction via Debit card with Kotak Mahindra Bank. #New to Bank is defined as a New CRN.

Other Terms and Conditions

Entry to this Programme is by invitation and at the sole discretion of the bank. Meeting the Programme eligibility criteria is not an implicit invitation to the Programme.

  • Programme is only applicable to Non Resident Individuals who have a savings relationship with the Bank. All the execution of benefits / e-vouchers and Programme related communication would be executed / sent from/ to the registered email ID with Kotak Mahindra Bank of the client who signs the form. The membership / benefits / vouchers will be applicable to clients who have an active Savings bank account or transaction via Debit card with Kotak Mahindra Bank. Clients are requested to get in touch with the Service Manager in case of email ID updation/ modification of clients existing email ID.

    The benefits of the (NR) Programme are applicable till the time the client is a part of the Programme and maintaining the required eligibility. Kotak Mahindra Bank reserves the right to withdraw the membership to the Programme after due intimation to the client.

    In the event of withdrawal of the Programme, client shall continue to be a Private Banking client till they meet the eligibility criteria of Private Banking as defined from time to time.
  • The prevailing regulatory guidelines as updated from time to time will take precedence over the benefits and features of the Programme for all client types (Individual / No individual).
  • Nothing contained herein shall prejudice or affect the terms and conditions accepted by the client at the time of opening the account.
  • I / We understand and accept the terms & conditions mentioned herein including the terms available at website for the facility granted and its benefits of the Kotak (NR) Programme. I / We hereby agree to be bound by the same and to any further amendments or changes governing the Programme thereof made by the Bank from time to time. If the balances and Relationship Value required as per Programme eligibility are not maintained which is subject to review six monthly, annually or as may be deemed fit by the Bank on an ongoing basis or for any other reason as deemed fit by the Bank, the Bank reserves the right to withdraw the prevailing Programme features, with prior intimation. In case of such withdrawal of prevailing Programme entitlement, all the existing Programme features (e.g. discounts, services etc.) will be withdrawn and instead the features / fees and the charges of Private Banking would be applicable.
  • Terms and conditions mentioned herein are in addition to the terms and conditions of Private Banking.
  • I have voluntarily supplied the above information which I acknowledge that the Bank is required to obtain to provide its products and services to me. I have gone through the Terms and Conditions published by the Bank on its website www.kotakprivate.com and having agreed to the same I hereby give my consent in favor of the Bank to process my personal information for the purposes and in the manner provided in the Privacy Notice while I avail various products and services from the Bank.
Steps to avail the airport pick/drop (India location) benefit:

You are requested to share the request with your Private Banker or Service Relationship Manager.

Terms & conditions: Airport pick/drop (India location) benefit
  • Chauffeur Service constitutes a booking from an airport to one (1) address in the City Centre (and vice versa).
  • All Limousine services are required to be reserved 48 hours in advance of scheduled service time.
  • Reservation confirmation will be sent to client via SMS and/or email within 15 minutes after receiving client’s reservation.
  • Driver and car details will be sent to client via SMS and/or email at least 3 hours prior client’s reserved/scheduled pickup time.
  • No additional pick up and drop off points are allowed for all Limousine service.
  • Waiting time - 45 minutes of free waiting time is allotted at the time of pick up from the airport or Hotel. Over 45 minutes of waiting time, extra charges applicable.
  • Infant seat/child seat is chargeable extra per seat, subject to availability.
  • Additional surcharges are applicable for Limousine Services exceed 40 kms kilometre mileage inclusion.
  • Type of vehicles used for each category as follows: Comfort category: Premium Sedan or SUV or similar.
Cancellation Policy
  • Cancellation Less than 48 hours will be charged 50% of service rate
  • Cancellation Less than 24 hours will be charged 100% of service rate
  • Any date change /Modification needs to be informed 24 hours prior to the services
  • Govt. Taxes extra as per government directives
  • Any tolls or Parking shall be charged as per actuals for full day service
  • 20% night charges are applicable 10 Pm till 7 AM
Steps to avail the meet & greet services at domestic airport locations:

You are requested to share the request with your Private Banker or Service Relationship Manager to avail the benefit.

Terms & conditions: Meet & greet
  • Meet & Greet Service constitutes either an arrival or departure service whereby an escort will be present to assist client through immigration and security clearance, and expedite the process (if available) at the airport.
  • All Meet & Greet services are required to be reserved 72 hours in advance of scheduled service time.
  • Reservation confirmation will be sent to client via SMS and/or email within 15 minutes after receiving client’s reservation.
  • Details of the Meet & Greet Service will be sent to client via SMS and/or email at least 3 hours prior client’s reserved/scheduled pickup time.
  • Any cancellation or change to the timing for Meet & Greet service are required to be made at least 48 hours in advance of scheduled meetup/service time, failing which any change in timing will not be accommodated, and no refunds will be provided for cancellation.
  • Service Partner and the Meet & Greet concierge shall not be howsoever responsible for client arriving late to the airport resulting in denied check-in, denied boarding of the aircraft, or missing of the flight.
  • Meet & Greet Service operating hours are subject to each airport’s operational restrictions.
Steps to avail the golf sessions benefits:

You are requested to share the request with your Private Banker or Service Relationship Manager to avail the benefits.

Golf course & coaching facility names:
# Golf Course City
1 Kalhar Blues & Greens Ahmedabad
2 Kensville Golf & Country Club Ahmedabad
3 Gulmohar Greens Golf And Country Club Ahmedabad
4 Glade One Golf Club Ahmedabad
5 Clover Green Golf Club Bangalore
6 Zion Hills Golf Country Bangalore
7 Prestige Golfshire Club Bangalore
8 Panchkula Golf Course Panchkula
9 Golden Greens Golf & Country Club Gurgaon
10 Karma Lakelands Golf Club Gurgaon
11 Classic Golf & Country Club Gurgaon
12 Boulder Hills Golf & Country Club Hyderabad
13 Premium Golf Course Kolkata Kolkata
14 Jaypee Greens Golf Club-Indian Noida
15 Jaypee Greens Golf Club-Expat Noida
16 Jaypee Wish town golf club Noida
17 The Poona Club Golf Course Pune
18 9 Aces Golf Greens Academy Mumbai
19 Prestige Augusta Golf Village Bengaluru
20 The Gaekwad Baroda Golf Club Baroda
21 The Belvedere Golf & Country Club Ahmedabad
22 Pinewoods Golf Club Pune
23 Aambay Valley Mumbai
24 Oxford Golf Resort Pune
# City Coaching Facility
1 Noida Noida Golf Course
2 Delhi Qutab Golf Course
3 Delhi Sirifort Sports Complex
4 Pune The Poona Club Golf Course
5 Chennai AKDR Golf Village
6 Hyderabad Boulder Hills Golf & Country Club
7 Gurgaon Golden Greens Golf & Resorts
8 Noida Jaypee Greens Golf Course
9 Gurgaon Karma Lakelands Golf Club
10 Ahmedabad Kensville Golf & Country Club
11 Mumbai Golden Swan Country Club
12 Bangalore Prestige Golfshire Club
13 Kolkata Protouch Golf Academy
14 Chandigarh Panchkula Golf Course
15 Ahmedabad Gulmohar Greens Golf And Country Club
16 Ahmedabad Kalhaar Golf Club
17 Gurugram Hamoni
18 Mumbai Bombay Presidency Golf Club
19 Ahmedabad Gulmohar Greens Golf & Country Club
20 Mumbai Let's Golf
Terms & conditions: Golf sessions
  • This facility/benefit is being facilitated through our Golf service provider and the booking shall be processed through the service provider.
  • The Golf program is not a golf club membership and is not to be regarded as a golf club membership.
  • Acceptance of requests for bookings for golf games are subject to availability and will be accepted at the discretion of the golf clubs/ golf instructors.
  • All bookings are to be made through Europ Assistance Concierge platform and must not contact the golf clubs or golf instructors directly.
  • Any request for changes to confirmed booking time slots are subject to availability and will be accepted at the discretion of the golf clubs / golf instructors.
  • All enquiries for golf games have to be booked at least 4 days in advance. Without a prior 4-days advance notice, we will not be able to honour the booking requests under any circumstance.
  • Any Game/Lesson cancelled on a notice of less than 48hrs, shall be considered as a no show
  • The Program is valid for golf course access only. Clients and/or their guests will not have access to the other facilities at the golf clubs.
  • Clients and their guests must follow all club & establishment usage rules including limits of access to use club facilities and dress code as applicable to Green Fee players.
  • To the fullest extent permissible by law, each participating client releases Europ Assistance from any claim, loss, damage, cost or expense (including any claim for legal expenses) sustained or incurred by him/her in connection with his/her participation in the Program.
  • Europ Assistance do not underwrite or warrant the services performed by the golf courses/golf learning facilities/golf instructors and shall not be liable in any manner whatsoever for any deficiency, delay or imperfection in such services or for any loss or damage that may be suffered, or for any personal injury to a client directly or indirectly by use or non -use of the services provided by the golf club/golf learning facility/golf instructor under this Program.
  • Cardholders are not permitted to invite/entertain any guests in the Golf Club premises.
  • Booking will be processed on a best effort basis and Europ Assistance does not assume any responsibility or liability for booking requests which are not confirmed due to any reason whatsoever.
  • Bookings are not transferrable.
  • Tournament dates at courses are blackout dates and no bookings shall be available during these dates.
  • The Program is valid for golf course access only to individual golfers and is not valid for any Group Bookings, unless specified so.
  • Europ Assistance and the Golf service partner reserve their absolute rights to alter/ withdraw any of the terms and conditions of the Program at any time without prior notice to the client.
  • These Terms and Conditions are governed by and shall be construed in accordance with the laws of Indian courts. These Terms and Conditions and an arrangement herein shall be subject to applicable RBI guidelines issued from time to time and prevailing law and regulations.
Steps to avail the concierge services for invite-only events and experiences across the globe

You are requested to share the request with your Private Banker or Service Relationship Manager to avail the services.

Terms & conditions: Concierge services for invite-only events and experiences across the globe
  • All the bookings are to be made at least 72 hours prior to the scheduled service usage.
  • Rescheduling is subject to availability of service.
  • Cancellation and refund as per policy at the time of booking
  • We are not responsible for any changes, cancellations, or rescheduling of events listed on our platform.
  • The content of the event listings, including descriptions, dates, times, and locations, is provided by event organizers and we do not verify or endorse such information
  • Any ticket purchases or registrations for listed events are subject to the terms and conditions set by the event organizers, and we are not liable for any issues or disputes arising from such transactions
  • We reserve the right to remove or modify event listings at our discretion without prior notice
  • Users agree not to misuse, abuse, or manipulate the listed event service or engage in any fraudulent or illegal activities
  • We reserve the right to suspend or terminate user accounts that violate these terms and conditions or engage in any harmful or disruptive behavior on our platform
Steps to avail the spa treatment:

You are requested to share the request with your Private Banker or Service Relationship Manager to avail the services.

Click here to view locations to avail spa treatment

Terms & conditions: Spa treatment
  • All the bookings are to be made at least 24-48 /24-72 hours prior to the scheduled service usage.
  • Rescheduling is subject to availability of service.
  • Cancellation will be applicable 48 hours from time of service.
  • SPA services are predefined and are subject to availability.
  • The operational hours of each SPA may differ and might change as per the discretion of authorities.
  • Guests should be fully aware of their responsibility in disclosing any medical or health conditions that may prevent them from using the facility.
  • We strive to always ensure your comfort, however, cannot guarantee a specific therapist or gender for the service. All therapists are trained in both treatment and draping protocols
Steps to avail the executive diagnostic package:

You are requested to share your request with your Private Banker or Service Relationship Manager to avail the services.

Click here to view locations to avail details of diagnostic package and available cities

Terms & conditions: Executive diagnostic package:
  • The company does not recommend or endorse any diagnostic test/packages mentioned on the Website. In all cases customer to also refer to any additional T&C of the service provider.
  • The Company does not make any representations and warranties with respect to the diagnostic labs or the quality of the services that is provided by such diagnostic labs.
  • Fasting of 10-12 hours would be required, wherever applicable.
  • The diagnostic lab partners have a certified quality protocol in place. Factors such as physiological disturbances, fever, dehydration, hemolysis, etc. can cause variation in reported results.
  • In case blood sample gets lysed, Our Diagnostic Lab partner will approach for a fresh sample collection, the same day or another mutually decided date
  • As part of the operational procedure, copy of reports for Tests completed would be shared with the Company by the labs/partners for the purpose of our reference/recording purpose and also for billing/payout.
  • Sample collection is available on the next day for the booking request received before 3 pm.
  • The Company does not guarantee or make any representation with respect to the correctness, completeness or accuracy of the information or details provided by Labs/diagnostic partners or any third party.
  • Rescheduling is allowed 24 hours before the appointment date & time. The rescheduling will be done on best effort basis.
  • Appointment once booked cannot be cancelled. No refund shall of the amount/ member benefit utilized shall be done by the company.
  • The service is available in the attached cities and PO Codes of India only.
Steps to avail the tele/video consultation with a general physician

You are requested to share the request with your Private Banker or Service Relationship Manager to avail the services.

Terms & conditions: tele/video consultation with a general physician
  • The Company is not a medical service provider or a hospital and shall bear no responsibility or liability towards the medical advice or other acts of the doctors or practitioners that communicate with customer/patient during the online doctor consultations.
  • The online doctor consultations are not to be used for emergency medical requirements or as a replacement for physical examination of the patient.
  • In case any medical advice or prescription is provided by the doctor, the same is being provided on the basis of the information shared by customer/patient through the online consultation process and the advice or prescription may vary when examined in person.
  • When customer/patient uses the online doctor consultation services, he/she agrees to provide all medical records available with them and provide all relevant information pertaining to their medical history, including treatments that other medical practitioners may have suggested and may be on-going.
  • The services under Online Medical Consultation would cover Consulting Charges with Doctor only. All other charges with regards to treatment, procedure, dressing, medicines etc. would not be part and not covered under this service.
  • The company will not be responsible for any cross references, treatments, procedures, tests or any complications arising from these treatments, procedures, tests suggested by Doctor.
  • Rescheduling is allowed 24 hours before the appointment date & time. The rescheduling will be done on best effort basis.
  • Appointment once booked cannot be cancelled. No refund shall be allowed of the amount/ member benefit utilized shall be done by the company.
  • In case customer/patient is not able to attend the appointment the same will be considered missed and no refund/reversal of member benefit utilized shall be done by the company.
  • The service is available PAN India
Steps to avail the Tax Consultant services

You are requested to share your request with your Private Banker or Service Relationship Manager to avail the services.

Terms & conditions: Tax Consultant Services
  • The services are provided by Manohar Chowdhry & Associates; CA - Mitsu Dalal & CA Amit Patel.
  • The service/benefit is available only for the client part of the Globale.
  • Our team will arrange for consultation with empanelled CA (CA - Mitsu Dalal).
  • Once the confirmation is received from CA, a chorus call is booked, the details will be shared with client and CA. TAT for which is 24-48 hours.
Steps to avail pick up of documents from your overseas location:

You are requested to share your request with your Private Banker or Service Relationship Manager to avail the services.

Terms & conditions: documents pickup from your overseas location
  • Complete details required in the specified ‘pick-up format’ shared
  • The client needs to maintain RV as per Globale classification.
  • If RV is not maintained as per specified classification, then NR Product Head approval is required.
  • To arrange pick up for Non PB client, approval from NR Product head is required.
  • If complimentary pick up exceeds within FY, NR Product Head approval is required.
  • To arrange complimentary pick up NR Area manager approval is required.
  • To arrange pick up other than NR LOB, approval is required as per respective delegation matrix along with LOB to debit costs.
  • Post the request is received, we will initiate the documents to be picked up within 6 hours with our courier partner DHL.
  • The TAT for collecting documents by DHL is 48 hours.
  • Post the DHL pick up is arranged by us, the client needs to take a print out of the AWB copy (about 3-4 pages)