Kotak 811
Updated 15 Apr 2026Source-linked
The Kotak 811 is a entry credit card from Kotak Mahindra Bank, with a joining fee of ₹0 + GST.
It earns up to 4% back on online spend spends in the form of reward points (points).
Kotak 811
- Joining FeeFree
- Annual FeeFree
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 4% on online spend
- Base 0.30% on other spends
Welcome Benefits
- Not applicable
KotakclassicentryLifetime freeRewards and Benefits
Rewards Rate
4% on online spend
Base 0.30% on other spends.
Reward Redemption
Kotak Rewards: Redeem at ₹0.15 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by Kotak Mahindra Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 4% on online spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Sources
- : www.kotak.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 700+
- Income (salaried)
- —
- Income (self-employed)
- —
Typically offered against fixed deposits via the Kotak 811 app.