Kotak 811 Credit Card

Overview

The Kotak 811 Credit Card targets first-time cardholders and those who prefer a zero-hassle digital banking experience. Linked to the Kotak 811 savings account, this card requires no joining fee and carries a modest ₹500 annual charge that disappears once you cross ₹50,000 in yearly spending. For anyone looking to step into credit cards without a heavy financial commitment, it checks the right boxes.Reward earnings sit at 2 points per ₹100 for online transactions and 1 point per ₹100 offline. Utility spends earn points only up to ₹35,000 per statement cycle, and categories like education, wallet loading, fuel, rent, government payments, and insurance are excluded from point accrual entirely. The 500 bonus welcome points require just ₹3,000 in spending within 30 days of card setup.Milestone spenders who hit ₹75,000 in an anniversary year unlock 3 complimentary PVR movie tickets. The 1% fuel surcharge waiver covers transactions between ₹500 and ₹4,000, capped at ₹3,500 per calendar year. Railway surcharge waivers of 1.8% on IRCTC and 2.5% at booking counters add further savings, though they max out at ₹500 annually.This card suits budget-conscious spenders who want a no-frills credit card from a major bank. It lacks lounge access, premium dining perks, or high-value travel benefits found on mid-tier and premium cards. If your monthly spend stays under ₹15,000 and you primarily shop online, the 811 card gives you a simple way to earn and redeem rewards while keeping costs near zero.

Pros

↑No joining fee and low ₹500 annual fee, easily waived with ₹50,000 yearly spend
↑1% fuel surcharge waiver and railway surcharge waiver add tangible everyday savings
↑Accessible to 811 account holders without strict income requirements

Cons

↓No airport lounge access or travel perks beyond fuel and railway waivers
↓Reward earn rate of 2 points per ₹100 online is below average for this segment
↓Multiple spending categories excluded from earning reward points

Key Highlights

Reward Rate
2 pts/₹100 online
Online: 2 points per ₹100
Offline: 1 point per ₹100
Utility cap: ₹35,000/cycle

Minimum Salary
811 Account Holders
Available to Kotak 811 account holders
No minimum income stated

Joining Fee
Nil
Joining fee: Nil

Annual Fee
₹500 (Waived on ₹50K spend)
Annual fee: ₹500
Waived on ₹50,000 annual spend
Plus 18% GST

Why Choose?
3 PVR tickets on ₹75K spend
3 complimentary PVR tickets
On ₹75,000 anniversary year spend

Key Benefits

Fuel

★4.0

▼

1% fuel surcharge waiver on ₹500-4,000 transactions, max ₹3,500/year

Milestone

★3.5

▼

3 PVR tickets on ₹75,000 annual spend

Reward Points

★2.5

▼

2 points per ₹100 online, 1 point per ₹100 offline. Multiple exclusions apply.

Railway

▼

1.8% waiver on IRCTC, 2.5% at counters, max ₹500/year

Emi

▼

Convert large purchases to EMIs

No Annual Fee

▼

₹500 annual fee, waived on ₹50,000 spend

First Year Free

▼

No joining fee

Detailed Information

Joining Fee	No joining fee
Annual Fee	₹500
Annual Fee Waiver	Waived on ₹50,000 annual retail spend
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Fee For Supplementary Card	Nil
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	Not specified (811 account required)
Minimum Annual Income Self Employed	Not specified (811 account required)
Minimum Credit Score	No minimum stated

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The annual fee is ₹500. It gets waived if you spend ₹50,000 or more in the previous anniversary year on retail purchases.

No, there is no joining fee for this card. You only pay the ₹500 annual fee from the second year onward, and that too can be waived through spending.

You earn 2 reward points for every ₹100 spent on online transactions and 1 reward point for every ₹100 spent on offline transactions.

Education, wallet loading, fuel, rent and government payments, insurance, and online skill-based gaming transactions do not earn any reward points.

Yes, reward points on utility spends are capped at ₹35,000 per statement cycle. Any utility spending beyond this amount in a single cycle will not earn points.

You receive 500 bonus reward points when you spend ₹3,000 within the first 30 days of card issuance.

Spend ₹75,000 in an anniversary year and you get 3 complimentary PVR movie tickets. Utility, education, wallet loading, government, insurance, fuel, rent, and online gaming spends do not count toward this milestone.

Yes, a 1% fuel surcharge waiver applies on transactions between ₹500 and ₹4,000 at any fuel station. The maximum waiver is capped at ₹3,500 per calendar year.

No, fuel transactions are not eligible to earn any reward points on the Kotak 811 Credit Card.

Yes, you save 1.8% surcharge on IRCTC online bookings and 2.5% on transactions at Indian Railways booking counters. The maximum railway surcharge waiver is ₹500 per calendar year.

No, the Kotak 811 Credit Card does not include any domestic or international airport lounge access. Consider upgrading to a higher-tier Kotak card if you need lounge benefits.

The card operates on the Visa network and supports Visa PayWave contactless payments for tap-and-pay transactions.

Yes, you can convert large purchases into equated monthly instalments at flexible tenures through the Kotak mobile app or by contacting customer service.

Yes, the Kotak 811 Credit Card is linked to the Kotak 811 digital savings account. You need an active 811 account to be eligible for this card.

The monthly interest rate is 3.49%, which translates to an annual percentage rate of 41.88%. This applies to any unpaid balance carried forward after the due date.

The minimum amount due is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum will result in interest charges on the remaining balance.

Late payment fees range from ₹100 to ₹1,300 depending on your outstanding balance. Paying on time every month avoids these charges and protects your credit score.

A 3.5% markup applies on all foreign currency transactions. This makes the card less suitable for international purchases compared to cards with lower forex markup.

Yes, you can apply for add-on cards that carry all the benefits of your primary card. You can set individual spend limits for each add-on card and track their spends separately.

The card has an embedded EMV chip for enhanced security and requires 6-digit PIN authentication for transactions, providing two layers of protection against fraud.

You can redeem reward points through the Kotak rewards catalogue, which includes options like vouchers, merchandise, and statement credits. Check the Kotak app or website for current redemption options.

Cash advances carry a fee of 2.5% of the withdrawn amount, with a minimum charge of ₹500. Interest on cash advances accrues from the date of withdrawal with no interest-free period.

You need PAN card (mandatory), Aadhaar or passport for identity and address proof, and income documents like salary slips or ITR. Since it is linked to your 811 account, some verification may already be completed.

The 811 card is more basic with lower rewards and no lounge access. The League Platinum offers higher reward rates, more milestone benefits, and lounge visits, but comes with a higher annual fee and income requirement.

Yes, you can manage your Kotak 811 Credit Card through the Kotak mobile banking app or net banking. This includes checking statements, setting spend alerts, blocking or unblocking the card, and converting transactions to EMIs.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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