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Credit Cards · India

Kotak 811

Updated 3 Jul 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 2 pts per ₹100 (≈0.2% value) on online spend spends in the form of reward points (points).

Welcome benefit: 500 bonus reward points.

Kotak Mahindra Bank logo
Kotak 811
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 2 pts per ₹100 on online spend
  • Base 0.10% on other spends
Welcome Benefits
  • 500 bonus reward points
Data verified 3 Jul 2026 — see our methodology
Kotak Mahindra Bank logoKotakVisa logoclassicentryLifetime free
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Rewards and Benefits

Rewards Rate
2 pts per ₹100 on online spend
Base 0.10% on other spends.
Reward Redemption
Kotak Rewards: Redeem at ₹0.1 per unit.
Welcome Benefits
500 bonus reward points
Milestone Rewards
  • ₹1,25,000 / annual: 4 free PVR tickets or 10,000 reward points on ₹1,25,000 spend every 6 months
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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹30/mo

    You spend ₹15,000 · earns 0.2% = ₹30 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 0.1% = ₹8/mo
  • Dining & food delivery₹8,000 · 0.1% = ₹8/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.1% = ₹10/mo
  • Utilities & bills₹5,000 · 0.1% = ₹5/mo
Est.net rewards for this spend, realistic
₹732/yr

₹732 rewards − ₹0 annual fee. Estimate for the spend you entered.

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.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹50 welcome benefit

  • 500 bonus reward points
    Spend ₹3,000 within 30 days of card set-up
    Window: 30 days from issuance.

Accelerated rewards

  • 2 pts per ₹100 on online spend
    2 RP per ₹100 online; 1 RP per ₹100 offline (base).
Capping rules
  • Reward points on utility spends only up to ₹35,000 per statement cycle.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹1,25,000 / annual: 4 free PVR tickets or 10,000 reward points on ₹1,25,000 spend every 6 months (≈ ₹1,000 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.

Sources

Last verified 3 Jul 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.

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