Kotak Bank 811 Credit Card Review – Apply, Eligibility, Benefits

kotak 811 credit card

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

Kotak 811 Credit Card Highlight Factors

Card TypeEntry-Level Reward Points Based Card
Best SuitableOnline Shopping Lover, Salaried, Self-Employed
Card Benefits &
– 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 Gift500 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

This Image has full credit to Axis Bank

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 –

  1. Card Insurance cover
  2. Add-on Card
  3. Reward Points on all Offline/Online Spends
  4. Smart EMI
  5. 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

Reward Points & Cashback On CardExplanation
Online Transcations2 Reward Points on Each ₹100 or Above Spends on all category
Offline Transcations1 Reward Point on Each ₹100 or Above Spends all offline category
Stolen Card Insurance coverUpto ₹50,000 Stolen Card Insurance cover against fraudulent usage up to 7 days pre-reporting, you can call the immediate Customer helpline
Railway Surcharge Waiver– 1.8% for transactions on online ticket booking
– 2.5% for transactions on offline Train Ticket Counter
(Max ₹500 Railway Surcharge Waiver Per Year)
Fuel Surcharge Waiver– 1% fuel surcharge waiver on refueling in transactions between ₹500 to ₹3000. you will get ₹3,500 in each calendar year Fuel Surcharge Waiver benefit.
Domestic Airport Lounge Access LimitNo Any
International Lounge Access LimitNo Any

Additional Features on Kotak Mahindra 811 Credit Card

Additional FeaturesDescription (Details)
Add-on CardAdd-on Card will have all the same Kotak 811 Card benefits
EMI FacilityYes all transactions can convert to Monthly EMIs
Contactless PaymentVisa payWave For all Contactless Payment upto 5000 Without Entering PIN as per RBI Rule

Set Card Control
Use Kotak Bank App to manage and control the limit of your all Kotak Credit cards including 811 Cards
Foreign Currency Mark up3.5%

How to Use Reward Points Redemption

  1. 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 ChargesOverview
Welcome Benefits500 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 Up3.5% 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

  1. Ahmedabad
  2. Bangalore
  3. Chandigarh
  4. Chennai
  5. Delhi (including Gurgaon and Noida),
  6. Hyderabad,
  7. Kolkata,
  8. Mumbai
  9. 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 CriteriaOverview
Only ForSalaried, And Self-Employed
Your Age Must Be 18 years to 65 years
Add-On Card18 years and above
Minimum Salary Requirement25,000 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.

Airtel Axis Bank Credit Card Eligibility
Kotak 811 Credit Card Eligibility


What is the Kotak 811 Credit Card?

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.

What Is the Kotak 811 Credit Card Customer Care Number?

1860 266 0811 And 1860 266 2666 for Any Credit card and Credit Card mis-sell Related Helpline from Kotak bank.

How to Get Kotak 811 Credit Card?

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

ListAXIS Bank Credit Cards List
1Axis Bank Select Credit Card Review – Benefits, Annual Fees, limit
2My Zone Credit Card Axis Bank Review – Charges, benefits, eligibility
3Axis Bank Ace Credit Card Review – Benefits, Eligibility, Apply
4Flipkart Axis Bank Credit Card Review – How to apply, charges
5Airtel Axis Bank Credit Card Review – Charges, Benefits, Apply

we hope you will like the review of the Kotak 811 Credit Card. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at [email protected]

Ads Blocker Image Powered by Code Help Pro

Ads Blocker Detected!!!

We have detected that you are using extensions to block ads. Please support us by disabling these ads blocker.