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.