The below Terms & Conditions are in addition to the Terms mentioned in the Cardholder

Agreement and Most Important Terms & Conditions.

• The Cardholder understands that the images provided in the digital library as a part of the
MyImage Credit Card feature are Intellectual Property of Kotak Mahindra Bank and the
Cardholder claims no rights, interest or titles over the image(s) selected for the
personalization to MyImage Credit Card

• Replacement fee and image selection fee as applicable will be shown at the time of Image
selection through the channel from which Cardholder is applying

• Replacement fee and image selection fee will be applicable for any card personalization
(Primary & Add-on), but will be billed to Primary Card only

• The applicable Image Selection and Card Replacement fees, as specified from time to time
by Kotak Mahindra Bank (including government taxes like service tax, GST, etc., if any) will
be charged for every replaced MyImage Credit Card issued upon Cardholder’s request

• Kotak Mahindra Bank provides its Credit Cardholders with an option to personalize their
existing Credit Cards with MyImage Credit Card. This option is currently enabled for all card
variants except Wealth Infinite Credit Card, Wealth Management Credit Card, Privy League
Platinum and Signature Credit Cards, NRI Signature Credit Card, Kotak Solaris Credit Card,
Kotak Corporate Credit Card, Kotak Travel Agent Credit Card, Kotak Purchase Credit Card,
Kotak Best Price Credit Card and Kotak Metro Credit Card

• Cardholder’s Credit Card number will change if cardholder chooses to replace an existing
Kotak Credit Card with a MyImage Credit Card

• Charges for the replacement card will get billed in the immediate following cycle, post
replacement request is processed

• Renewal will have the same image (if any) as per the user’s selection. No separate charges
will be applicable to the Cardholder in case of renewal of the card upon expiry, if there is no
change in the image code

• The existing card will be deactivated in the next 45 days or after the 1st transaction on the
Cardholder's new MyImage Credit Card, whichever is earlier. On receipt of the new card, the
Cardholder needs to destroy the old card by cutting it diagonally across the magnetic stripe
or shredding the same.

• If the Cardholder has any ongoing Standing Instructions, the Cardholder has to ensure that
the replaced credit card number is updated with the concerned merchant (e.g. insurance
provider, telecom service provider, etc.) for any Standing Instructions the Cardholder may
have set up

• The Bank, at its absolute discretion, may issue a replacement card with a new PIN, in cases
where the MyImage Credit Card is lost, stolen or damaged. In case a request for a
replacement card is made, the Cardholder shall receive a replaced MyImage Credit Card
with the same image as the previous MyImage Credit Card