Kotak Bank 811 Credit Card Review – Another one of the popular Entry-level credit cards for individuals. it is Kotak Rewards-based credit card for self-employed and salaried applicants. it is available for 18 years or Above Age Applicants. it allows getting reward points on everyday online and offline shopping.
it supports all additional Benefits such as Welcome Offers, Annual Fee Waivers, Milestone Spends Benefits, Fuel Surcharge Waiver, Railway Surcharge Waiver, Add-on Card, And Card Insurance coverage.
As A Welcome Gift, it offers 500 bonus reward points on spending up to ₹5000 within the first 45 days. moreover, it allows getting 4 free PVR tickets OR cashback of ₹750 as a Milestone program feature benefit for the cardholder.
it is a popular card by Kotak bank for earning reward points. it mainly focuses on offering a reasonable rate of reward points for online purchasing. it allows you to convert your big purchases into affordable monthly EMIs.
it is quite suitable for new individuals who want to maintain their credit score and want to earn reward points on all types of shopping.
Through this Article, we will share with you a brief review of the Kotak 811 Credit Card which can find all solutions to your queries related to the Kotak 811 Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.
The Benefits And Review of the Kotak 811 Credit Card
Table of Content
- The Benefits And Review of the Kotak 811 Credit Card
- Kotak 811 Credit Card Highlight Factors
- What Are The Kotak 811 Credit Card Offers And Benefits
- Discounts And Reward Points
- Additional Features on Kotak Mahindra 811 Credit Card
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For 811 Credit Card By Kotak Bank?
- FAQ
- Popular Credit Cards By Axis Banks
Kotak 811 Credit Card Highlight Factors

Points | Description |
---|---|
Card Type | Entry-Level Reward Points Based Card |
Best Suitable | Online Shopping Lover, Salaried, Self-Employed |
Card Benefits & Features | – 4 free PVR tickets OR cashback of ₹750 As A Milestone Kotak Benefit (Choose One) – 1% Flat Discount fuel surcharge waiver (Capped at ₹3500 per year) – Railway Surcharge Waiver (Max Upto ₹500 per year) – Card stolen Insurance covers Upto ₹50,000 – Visa payWave For Contactless Payment |
Reward Points or Cashbacks | – It allows earning 2 Reward Points on all Online transactions of ₹100 or Above. – Earn Up to 1 Reward Point on all offline Transactions of ₹100 or Above. |
Welcome Gift | 500 bonus reward points As a Welcome Benefit, Only Eligible When your Purchases touch up to ₹5000 within 45 days after card activation. |
Annual Fee Waiver | – it waived the Annual Fee of ₹500 if you retail spend touch ₹50,000 within the card’s previous anniversary year. |
What Are The Kotak 811 Credit Card Offers And Benefits

Kotak 811 Credit Card is a Low-end Kotak reward Points based card for daily shopping. it allows you to get cashback as reward points on offline and online purchases. it allows getting 2 reward points on all online category shopping. it comes with an extra layer of security such as 6-digit PIN authentication on the card and an Embedded EMV Chip for higher level safety while the credit card holder do Visa payWave payments.
it could beneficial card for you to earn reward points on each and every shopping in India.
it allows getting the benefit of a 1% fuel surcharge waiver on ₹500 and ₹3,000 transcations across fuel stations in India. Furthermore, the credit card holder is also eligible to get Railway Surcharge Waiver. in brief, you can get a 1.8% Railway Surcharge Waiver for transactions using the online IRCTC Website or App. 2.5% Waiver for train tickets from the ticket counter.
It supports all additional Kotak features such as –
- Card Insurance cover
- Add-on Card
- Reward Points on all Offline/Online Spends
- Smart EMI
- Welcome Offer
It has an annual membership charge is 500. which comes with the benefit of an Annual Fee Waiver. To be eligible, you will have to spend 50 thousand in the previous year by using the card.
Discounts And Reward Points
Additional Features on Kotak Mahindra 811 Credit Card
How to Use Reward Points Redemption
- Kotak bank offers Kotak Rewards Program to redeem your all earned reward points into various categories such as –
- Mobile Recharge
- Online Shopping across 10,000 products
- E-Gift Vouchers (Popular Brands Vouchers)
- Movie Tickets Such as BookMyShow tickets
- Travel and other.
2. Pay with Reward Points on a few popular brands such as PUMA, Clarks, NatureBaskets, Globus, and O2 SPA.
You can choose any one of these options to convert your earned Kotak Reward Points.
What Are Card Charges and Fees
List of Charges | Overview |
---|---|
Welcome Benefits | – 500 Bonus Kotak reward points on spending up to ₹5000 by using the card starting 45 days after card issuance. |
Annual Fees on The Card | – ₹500 Per Year |
First Year Fee | – ₹500 Per Year – Annual Charges Waiver Benefit on spending up to ₹ 50000 on its anniversary Year |
Joining Charges | – ₹500 Per Year |
Finance Fees (Interest Rate) | – 3.5% Per Month – 42% Per Year |
Late Payment Fee | ₹100 To ₹700 Overdue Penalty As per the Remaining Overdue Amount |
Cash withdrawal fee | ₹300 |
Foreign Currency Mark Up | 3.5% of the total Transaction amount |
Add-on cards | ₹200 |
Replacement Card | ₹100 |
What Are the Eligibility Criteria For 811 Credit Card By Kotak Bank?
There are few locations where the 811 Credit card is available to apply such as
- Ahmedabad
- Bangalore
- Chandigarh
- Chennai
- Delhi (including Gurgaon and Noida),
- Hyderabad,
- Kolkata,
- Mumbai
- Pune
The individual must have aged upto 18 years to get this card. moreover, you must have a good credit score and a stable monthly source of income to be eligible for the card. moreover, you Should be a resident of India.
Eligibility Criteria | Overview |
Only For | Salaried, And Self-Employed |
Your Age Must Be | Â 18 years to 65 years |
Add-On Card | 18 years and above |
Minimum Salary Requirement | 25,000 per month |
Kotak Bank will ask you few documents to complete Video KYC OR In-Person KYC. below we mentioned a few document details you must carry whenever you apply for the card. Most required documents such as PAN, Aadhar Card, And Income Proof Such as ITR, Salary Slip, and Other Credit Card Statement.

FAQ
811 Credit Card is a low-end Reward Points-based card issued by Kotak bank. it allows earning cashback as a form of Reward points on all category offline and online shopping. it comes with all additional benefits and features such as an Annual Fee Waiver, Visa PayWave, Fuel Surcharge Waiver, Railway Surcharge Waiver, and Milestone Spends Benefit. moreover, it has Safety features EMV Chip, and 6-digit PIN authentication for higher safety.
1860 266 0811 And 1860 266 2666 for Any Credit card and Credit Card mis-sell Related Helpline from Kotak bank.
you can apply for the Kotak 811 credit card by using the Kotak bank official website. PAN Card And Aadhar Card documents must be required. it will ask you few Documents Identity, Address, and income proof to complete KYC For The card.
Popular Credit Cards By Axis Banks
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