What is the annual fee for Kotak 811 Credit Card?

The annual fee is ₹500, which is automatically waived if you spend ₹50,000 or more in a calendar year. New cardholders also pay a one-time ₹500 joining fee.

How to apply for Kotak 811 Credit Card?

You can apply online through Kotak Mahindra Bank's website or mobile app, or visit a nearby branch. The bank will verify your income documents and creditworthiness before approval. Eligibility criteria are not specified in the card details — check the issuer's website for current requirements.

What rewards does Kotak 811 Credit Card offer?

You earn 2% reward points on all purchases. New cardholders get 500 bonus reward points (₹125 value) on spending ₹3,000 within 30 days of card setup. Reward points can typically be redeemed for statement credits or gift vouchers.

What are the eligibility criteria for Kotak 811 Credit Card?

Eligibility criteria are not specified in the available card details. We recommend visiting Kotak Mahindra Bank's official website or contacting their customer service for current income, age, and credit score requirements.

Does Kotak 811 Credit Card offer airport lounge access?

Airport lounge access is not listed as a benefit for this entry-level card. The Kotak 811 is positioned as a straightforward rewards card focused on consistent 2% cashback across all purchases rather than premium travel perks.

Is Kotak 811 Credit Card worth it?

It's worth considering if you make regular purchases and can hit the ₹50,000 annual spend threshold to waive the fee. The flat 2% reward rate is competitive for entry-level cards, though benefits are minimal beyond rewards and the fee waiver. Compare against other no-annual-fee cards to ensure it matches your spending pattern.

Credit Cards

Mass-MarketEntryVisa

Kotak 811 Credit Card

Flat 2% rewards on all spends, zero annual fee if you spend ₹50K

Annual fee₹500Waived on ₹0.5L spend

Rewards2.00%2 Reward Point per ₹100

Forex markup3.5%

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Welcome benefits

worth ₹125

500 bonus reward points on spending ₹3,000 within 30 days of card set-up

Type: Reward Points
Trigger: Spend ₹3,000 within 30 days

Rewards

Base earn rate

Earn 2 reward points for every ₹100 spent online Earn 1 reward points for every ₹100 spent offline

Kotak Rewards

Excludes: Utility Spends Over ₹35,000 Per Statement Cycle (Effective 01st June 2025)

Category	Rate	Cap
Online	—	—
Offline	—	—

• Minimum redemption: 2000 points

Milestone benefits

In addition to the reward points which you will earn on transactions, you will also be eligible to get free PVR tickets as mentioned below on achieving the spends criteria of INR 75,000 in an anniversary year* as per eligibility. Redemption Option: 3 free PVR tickets You can claim your PVR tickets within 3 months after the anniversary year* gets over. PVR tickets can be used for any day and any show and are transferrable. Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com *Anniversary year - Your anniversary year will run from the date of issuance to the next anniversary date. i.e. If your card is issued on 30th of June, then your anniversary year for milestone program will run from 1st July to 30th June every year. Moreover, you can always check your period in the Milestone tab of your Mobile banking or Net banking. *For milestone benefits, all transactions settled during milestone period will be considered. *With effect 01st June 2025, spends under Utility, Education, Wallet Loading, Government, Insurance, Online Skill based Gaming, Fuel and Rent will not be considered while calculating milestone benefits

Fees & charges

Joining fee: ₹ 500
Annual / renewal fee: ₹ 500
Annual fee waiver: Annual fee waiver on retail spends of ₹50,000 in the previous anniversary year
Add-on card fee: ₹299
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹400/cycle