What is the Kotak 811 Credit Card best suited for?

The Kotak 811 Credit Card is ideal for new-to-credit individuals looking to build their credit history, offering rewards on online/offline spending, movie benefits, and fuel waivers.

What are the joining and renewal fees for the Kotak 811 Credit Card?

The Kotak 811 Credit Card has a joining fee of Rs. 500 + GST and a renewal fee of Rs. 500 + GST.

How can I get the annual fee waived for my Kotak 811 Credit Card?

The annual fee for the Kotak 811 Credit Card can be waived if you spend Rs. 50,000 or more in retail purchases in the previous anniversary year.

What welcome benefits does the Kotak 811 Credit Card offer?

You receive 500 bonus reward points upon spending Rs. 5,000 within the first 45 days of issuance with your Kotak 811 Credit Card.

Does the Kotak 811 Credit Card offer milestone benefits?

Yes, on spending Rs. 75,000 in an anniversary year, the Kotak 811 Credit Card offers 3-4 complimentary PVR tickets or Rs. 750 cashback.

Are there any fuel surcharge waivers with the Kotak 811 Credit Card?

Yes, the Kotak 811 Credit Card provides a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 3,500 annually.

What is the foreign currency markup fee on the Kotak 811 Credit Card?

The Kotak 811 Credit Card has a foreign currency markup of 3.5% on all international transactions.

What are the upcoming changes to reward points on the Kotak 811 Credit Card from June 1, 2025?

From June 1, 2025, several categories like Fuel, Education, Rent, and Insurance will not earn reward points, and utility spends will be capped at ₹35,000 per cycle.

Is the Kotak 811 Credit Card a secured credit card?

The Kotak 811 Credit Card is an unsecured card, although Kotak Bank also offers a secured variant called the 811 #DreamDifferent Credit Card.

Kotak Mahindra Bank

Kotak 811 Credit Card

Q: How do I earn reward points with the Kotak 811 Credit Card?

The Kotak 811 Credit Card allows you to earn 2 reward points for every Rs. 100 spent online and 1 reward point for every Rs. 100 spent offline.

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Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Receive 500 bonus reward points upon spending Rs. 5,000 within the first 45 days of card issuance.

Rewards Rate

Earn 2 reward points for every Rs. 100 spent online and 1 point for every Rs. 100 spent offline.

Reward Type

Reward Points

Reward Redemption

Redeem points for mobile recharges, shopping/e-gift/movie/travel vouchers via Kotak Rewards portal.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Complimentary lost card cover worth Rs. 50,000 against fraudulent usage up to 7 days prior.

Movie

Milestone benefit includes 3 or 4 complimentary PVR tickets on annual spend of Rs. 75,000.

Dining

Not Applicable

Travel Benefits

Save 1.8% railway surcharge on www.irctc.co.in & 2.5% at counters, max Rs. 500/year.

What matters, explained clearly

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