Kotak 811 Credit Card is a basic card similar to the Kotak 811 #DreamDifferent Credit Card, which requires a deposit as collateral. The Kotak 811 Credit Card has an annual fee of Rs. 500, but this fee can be waived if you spend a minimum of Rs. 50,000 in a year. This is a way to encourage cardholders to use the card more often and reward them for their spending.


Enjoy Amazing Welcome Benefits: As a warm welcome to our cardholders, we offer a special bonus. Simply spend Rs. 5000 within the first 45 days of receiving your card, and you’ll receive 500 bonus reward points. With our Rewards Credit Card, you can earn valuable reward points every time you make purchases, both online and offline. For every Rs. 100 spent online, you’ll earn 2 reward points, and for every Rs. 100 spent offline, you’ll earn 1 reward point.

No Annual Fee on High Spending: Forget about the annual fee hassle! When you spend Rs. 50,000 in the previous year, we’ll waive the Rs. 500 annual fee, giving you more reasons to celebrate.

Reach Milestones and Get Rewarded: As you spend with our card, we have exciting milestones in store for you. Spend Rs. 75,000 in a year, and you can choose between 4 free PVR tickets for a fun movie outing or get cashback worth Rs. 750 directly into your account.

Fuel Up with Savings: Whenever you use our card for fuel transactions ranging from Rs. 500 to Rs. 3,000, you’ll enjoy a 1% fuel surcharge waiver. Maximize your savings with a total waiver of up to Rs. 3,500 in each calendar year.

Journey by Rail with More Savings: Booking your train tickets? We’ve got you covered. Enjoy a waiver of 1.8% on transactions made at www.irctc.co.in and 2.5% on Indian Railways Booking Counters. Save up to Rs. 500 on railway surcharges per calendar year.

Share the Benefits: Extend the benefits of your Rewards Credit Card to your loved ones with our add-on card feature. They can enjoy the same rewards and privileges. Plus, you have the flexibility to set their spending limits as per your preference, and all spends will be tracked separately.

Secure Transactions, Peace of Mind: Your security is our priority. Our card comes equipped with an embedded EMV chip for added protection. Transactions require a 6-digit PIN authentication, providing you with peace of mind for every purchase.


With Kotak Rewards, you have more freedom to use your earned points across a variety of categories.

Mobile Recharge: Say goodbye to cash payments for your mobile recharge. Use your reward points instead.

Shopping Bonanza: Enjoy a fantastic shopping experience with over 10,000 products to choose from. Redeem your points for items you love.

E-vouchers Galore: Treat yourself with e-vouchers from top brands. Make purchases or get discounts without spending your money.

Movie Time: Grab your popcorn! Exchange your points for BookMyShow vouchers and catch the latest movies.

Travel Perks: Use your reward points to book flights, hotels, and other travel services hassle-free.

That’s not all! The “Pay with Reward Points” feature lets you make payments without cash or your credit card. Simply use your accumulated reward points to pay for your purchases. Kotak Rewards brings convenience to a whole new level, making your credit card experience even more rewarding.


Credit Card Rewards: If you have a credit card with a rewards program, you might be eligible for two exciting redemption options: Cashback of INR 750/- or 4 free PVR tickets.

Anniversary Year: Your anniversary year starts on the date your credit card is issued and runs until the next anniversary date. For example, if your card was issued on 30th June, your anniversary year would be from 1st July to 30th June of the following year. You can always check this period in the Milestone tab of your Mobile banking or Net banking.

Milestone Period: Milestone benefits are based on your transactions during a specific period. For instance, if the milestone period is from 1st Jan 2021 to 30th June 2021, only transactions settled within this timeframe count for milestone rewards.

Redemption Options: You have the opportunity to claim a cashback of INR 750/- within 3 months after the end of your anniversary year. Once claimed, the cashback will be credited in your next billing cycle. Else you can also choose 4 free PVR tickets as your reward. These tickets can be claimed within 3 months after your anniversary year ends. The best part is that you can use these tickets for any day and any show, and you can even transfer them to someone else if you prefer.


Visa payWave is a quick, secure, and convenient way to pay with your Kotak 811 Credit Card. With Visa payWave, you can make contactless payments for transactions up to Rs. 5000 without entering your PIN. It’s as simple as waving your credit card on the payment reader. The best part is that your credit card stays in your hand during the whole transaction, which reduces the risk of losing your card or it being copied. Additionally, Visa payWave comes with multiple layers of security, ensuring protection against fraud and unauthorized transactions. With Visa payWave, you can enjoy faster and safer payments for your everyday purchases. Whether you’re grabbing a coffee, buying groceries, or dining out, you can make transactions swiftly and securely.


Primary Cardholder: You must be between 18 and 65 years old to apply for a credit card as the main account holder.

Add-On Cardholder: If you want an add-on card, you need to be at least 18 years old. An add-on credit card is an extra card linked to the primary cardholder’s account, typically for family members like spouses or children. The main account holder will have the responsibility for all transactions made on the add-on card.

Location: The credit card services are available in major cities like Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.

Citizenship: Only Indian residents are eligible to apply for a credit card.


Joining Fees: When you get a credit card, there is a one-time joining fee of Rs. 500.

Annual Fees: To keep using the credit card each year, there’s an annual fee of Rs. 500.

Waiver of Annual Fees: If you spend Rs. 50,000 or more on your credit card within a year, the annual fee will be waived.

Add-on Card Fees: If you want an extra card linked to your main credit card, there’s a fee of Rs. 200.

Interest Charges: If you don’t pay your credit card balance in full, you’ll be charged 3.5% interest per annum (equivalent to 42% annually) on the unpaid amount.

Minimum Amount Due: Each month, you need to pay at least 10% of your outstanding credit card balance as per your monthly statement.

Cash Withdrawal/Fund Transfer Fee: If you use your credit card to withdraw cash from an ATM or transfer funds, you’ll be charged Rs. 300 for every Rs. 10,000 or part thereof.

Late Payment Charges:

Rs. 100 for outstanding balances up to Rs. 500
Rs. 500 for outstanding balances between Rs. 500.01 to Rs. 10,000.
Rs. 700 for outstanding balances greater than Rs. 10,000.

Over Limit Charge: If you exceed your credit card limit, you’ll be charged Rs. 500.

Cheque Bounce Charges: If a check payment towards your credit card bill bounces, there’s a fee of Rs. 500.

Foreign Currency Mark Up: For transactions in foreign currencies, there’s a charge of 3.5%.

Railway Booking Surcharge: No charges for booking railway tickets using your credit card.

Fuel Surcharge: No surcharge for fuel transactions made with the credit card.

Fee for Cash Payment at Bank: If you make a cash payment for your credit card bill at the bank, there’s a fee of Rs. 100.

Outstation Cheque Processing Fee: No charges for processing outstation cheques for credit card payments.

Reissue/Replacement Card Fee: If you need a new or replacement credit card, there’s a fee of Rs. 100.

Charge Slip Request: No charges for requesting a copy of the charge slip for credit card transactions.

Machine Surcharge at ATMs: No additional charges for using other bank ATMs.

Balance Enquiry Charges at Non-Parent Bank ATM: No charges for checking your account balance at other bank ATMs.

Duplicate Statement Request: No charges for requesting a duplicate credit card statement.

Web Pay Service Fee: No charges for using web pay service to make credit card payments.

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