MyFinCards
Kotak 811 Credit card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 0.5 Lakhs)

Kotak Bank
Rewards
Shopping
Fuel
Best For: Online shoppers, Entry-level credit card users, Movie enthusiasts targeting PVR milestone

Kotak 811 Credit card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹35,000 /statement_cycle

Pros

  • 2x reward points on online spends
  • Annual fee waiver on Rs.50,000 annual spend
  • Complimentary PVR tickets on milestone spend
  • Fuel surcharge waiver up to Rs.3,500 per year
  • Railway surcharge waiver
  • Welcome bonus of 500 reward points

Cons

  • Only 1 reward point per Rs.100 on offline spends
  • No reward points on fuel, education, wallet loading, rent, government, insurance, and online skill-based gaming
  • Utility spend rewards capped at Rs.35,000 per statement cycle from June 2025
  • Milestone spends exclude utility, education, wallet loading, government, insurance, gaming, fuel and rent from June 2025
  • Low railway surcharge waiver cap of Rs.500 per year

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points capped on utility spends at Rs.35,000 per statement cycle from June 2025

Fuel transactions earn no reward points

Milestone benefit excludes several spend categories from June 2025

Key Benefits & Features

Railway surcharge waiver of 1.8% on IRCTC website and 2.5% at booking counters; max Rs.500 per calendar year

Add-on card with customizable spend limit and separate spend tracking

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No reward points on Education spendsNo reward points on Wallet LoadingNo reward points on Fuel transactionsNo reward points on Rent & Government transactionsNo reward points on Insurance transactionsNo reward points on Online Skill-based GamingReward points on utility spends limited to Rs.35,000 per statement cycle effective 01 June 2025Milestone benefit calculation excludes Utility, Education, Wallet Loading, Government, Insurance, Online Skill-based Gaming, Fuel and Rent spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Kotak 811 Credit card

The Kotak 811 Credit Card is an entry-level card designed to help everyday shoppers earn meaningful rewards on their regular spending. Powered by the Visa network, it comes with a joining and annual fee of Rs. 500 each, with the annual fee waived entirely upon spending Rs. 50,000 in the previous anniversary year. New cardholders can jumpstart their rewards journey by earning 500 bonus points when they spend Rs. 3,000 within the first 30 days of card setup. The card rewards online spending with 2 reward points for every Rs. 100 spent digitally, and 1 reward point per Rs. 100 on offline transactions. Purchases can also be converted into affordable EMIs, making larger expenses easier to manage. For movie lovers, spending Rs. 75,000 in an anniversary year unlocks 3 complimentary PVR tickets as a milestone benefit. The card also offers a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 3,500 annually, along with railway surcharge waivers on IRCTC transactions. Security is ensured through an embedded EMV chip and 6-digit PIN authentication. Add-on cards are available with customizable spend limits, making the Kotak 811 Credit Card a well-rounded, practical option for online shoppers and first-time credit card users seeking everyday value.

Expert Review

Our Verdict

Entry-level rewards card with 2x points online, PVR milestone benefit & fuel surcharge waiver at ₹500 annual fee.

Frequently Asked QuestionsAbout Kotak 811 Credit card

FEESWhat is the joining fee and annual fee for the Kotak 811 Credit Card?
The Kotak 811 Credit Card has a joining fee of ₹500 and an annual fee of ₹500. However, the annual fee is waived if you spend ₹50,000 or more in the previous anniversary year. This makes it easy to enjoy the card at no cost if you meet the spending threshold.
FEESHow can I get the annual fee waived on the Kotak 811 Credit Card?
You can get the annual fee of ₹500 waived by spending ₹50,000 or more in retail transactions during the previous anniversary year. This spend threshold helps you enjoy the card's benefits without worrying about the annual fee, making it a cost-effective credit card option for regular spenders.
REWARDSHow many reward points do I earn on the Kotak 811 Credit Card?
You earn 2 reward points for every ₹100 spent on online transactions and 1 reward point for every ₹100 spent on offline transactions. Note that reward points are not earned on fuel, education, wallet loading, rent, government, insurance, and online skill-based gaming transactions. From June 2025, utility spend rewards are capped at ₹35,000 per statement cycle.
BENEFITSWhat is the welcome benefit on the Kotak 811 Credit Card?
As a welcome benefit, you receive 500 bonus reward points when you spend ₹3,000 within the first 30 days of card issuance. This is a great way to kick-start your rewards journey with the Kotak 811 Credit Card. Make sure to activate and set up your card promptly to take advantage of this offer.
BENEFITSWhat is the milestone benefit on the Kotak 811 Credit Card?
When you spend ₹75,000 in an anniversary year, you receive 3 complimentary PVR tickets as a milestone benefit. Please note that from June 2025, spends on utility, education, wallet loading, government, insurance, online skill-based gaming, fuel, and rent will not be counted towards the milestone spend calculation.
BENEFITSWhat fuel surcharge waiver does the Kotak 811 Credit Card offer?
The Kotak 811 Credit Card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at fuel stations across India. The maximum fuel surcharge waiver is capped at ₹3,500 per calendar year. Please note that fuel transactions are not eligible to earn any reward points. This benefit is applicable from 1st June 2025.
BENEFITSDoes the Kotak 811 Credit Card offer a railway surcharge waiver?
Yes, the Kotak 811 Credit Card offers a railway surcharge waiver of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions at Indian Railways booking counters. The maximum railway surcharge waiver allowed in a calendar year is ₹500. This benefit is useful for frequent train travellers booking tickets online or at railway counters.
REWARDSOn which transactions are reward points NOT earned on the Kotak 811 Credit Card?
Reward points are not earned on the following transaction categories: fuel, education, wallet loading, rent, government transactions, insurance, and online skill-based gaming. Additionally, from June 2025, reward points on utility spends will only be earned up to ₹35,000 per statement cycle. These exclusions are based on Merchant Category Codes (MCCs).
BENEFITSCan I get an add-on card with the Kotak 811 Credit Card?
Yes, the Kotak 811 Credit Card allows you to apply for add-on cards. Add-on cardholders enjoy all the same benefits as the primary cardholder. You can set individual spend limits for each add-on card and track spends separately for each add-on card, giving you better control over household or family expenses.
APPLICATIONHow do I apply for the Kotak 811 Credit Card?
You can apply for the Kotak 811 Credit Card online through the Kotak Bank website or the 811 mobile app. The card is designed to be easily accessible for digital users. You can download the 811 app and complete the application process digitally. You can also visit a Kotak Mahindra Bank branch or call the toll-free helpline at 1800 4100 for assistance with your application.
USAGEWhat network does the Kotak 811 Credit Card run on and what contactless payment feature does it support?
The Kotak 811 Credit Card operates on the Visa network and supports Visa PayWave, enabling contactless payments. This allows you to make quick and secure payments by simply tapping your card at contactless-enabled point-of-sale terminals. The card also features an embedded EMV chip and 6-digit PIN authentication for enhanced transaction security.
INTERNATIONALCan I use the Kotak 811 Credit Card for international transactions?
The Kotak 811 Credit Card is a Visa card and can be used internationally at Visa-enabled merchants. However, the card data does not specify a forex markup waiver, so foreign currency transactions may attract standard forex markup charges. It is advisable to check the applicable forex charges with Kotak Bank before using the card abroad or for international online purchases.
OTHERWhat security features does the Kotak 811 Credit Card have?
The Kotak 811 Credit Card comes with robust security features including an embedded EMV chip that provides an additional level of security against fraud, and a 6-digit PIN authentication for higher security during transactions. These features help protect your card against counterfeit fraud and ensure that your transactions are secure both at POS terminals and ATMs.
USAGEHow can I redeem reward points earned on the Kotak 811 Credit Card?
Reward points earned on the Kotak 811 Credit Card can be redeemed through the Kotak Bank rewards redemption platform. You can log in to Kotak Netbanking or the Kotak Mobile Banking App to access the rewards redemption section. Points can typically be redeemed for a variety of options including merchandise, vouchers, and more. Check the bank's rewards portal for the latest redemption catalogue and point values.
USAGEHow can I convert large purchases into EMIs using the Kotak 811 Credit Card?
The Kotak 811 Credit Card allows you to easily convert large or hefty purchases into affordable Equated Monthly Instalments (EMIs). You can opt for EMI conversion through the Kotak Mobile Banking App, Kotak Netbanking, or by contacting Kotak Bank customer care at 1800 4100. This feature helps manage big-ticket spends without straining your monthly budget.

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