Kotak 811 Credit Card

  • Joining Fee: Rs. 500 (plus applicable taxes)
  • Renewal Fee: Rs. 500 (plus applicable taxes)
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 500 Bonus Reward Points on expenditure of Rs. 5,000 within 45 days of card issuance.
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Kotak 811 Credit Card is an entry-level card recently launched by Kotak Mahindra Bank. The card is very similar to the Kotak 811 #DreamDifferent Credit Card- which is a secured card issued against TD- in terms of the rewards and benefits that it offers. Kotak 811 Credit Card comes with a membership fee of Rs. 500 per annum which is waived off on an annual expenditure of a minimum of Rs. 50,000. The card offers a reward rate of 0.5% on online spends and 0.25% on offline transactions made with the card. Apart from the reward rate, you are also entitled to a milestone benefit of 750 Bonus Reward Points on spending a minimum of Rs. 75,000 with the card in the preceding membership year. Other than this, the card has several other advantages including insurance benefits, fuel surcharge waiver, etc. Read on to learn more about this entry-level offering by Kotak Bank.

New Features

Spend Based Waiver

Annual fee waived off on spending a minimum of Rs. 50,000 in the preceding year.

Interest Rates

3.5% per month (or 42% annually)

Add-on Card Fee

Rs. 200 (plus applicable taxes)

Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 3,500 per annum).

Foreign Currency Markup

3.5% of the transaction amount

Cash Advance Charges

Rs. 300 per Rs. 10,000 withdrawn

Movie & Dining

Option to get 4 PVR tickets on spending Rs. 75,000 in a year.



International Lounge Access


Rewards Rate

1 Reward Point per Rs. 100 on offline spends and 2 Reward Points per Rs. 100 on online spends.



Insurance Benefits

Lost card cover worth Rs. 50,000 applicable 7 days prior to reporting the loss of card

Reward Redemption

Reward Points redeemable for mobile recharges, shopping vouchers, gift cards, movie and travel vouchers at Kotak Rewards portal.

Domestic Lounge Access


Zero Liability Protection

Cardholder shall not be liable for any fraudulent transaction made on the card post reporting the loss of the card to the bank.


No data available


No data available

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