Kotak 811 Credit card

The recently introduced Kotak 811 Credit Card by Kotak Mahindra Bank serves as an introductory-level card. It closely resembles the Kotak 811 #DreamDifferent Credit Card, a secured card linked to a Fixed Deposit, in terms of the rewards and perks it provides. The Kotak 811 Credit Card carries a yearly membership fee of Rs. 500, which is exempted upon reaching a minimum annual expenditure of Rs. 50,000. This card presents a 0.5% reward rate for online transactions and a 0.25% reward rate for offline purchases made with the card.

In addition to the reward rates, cardholders can enjoy a milestone benefit of 750 Bonus Reward Points by spending at least Rs. 75,000 in the preceding membership year. Beyond this, the card encompasses various advantages such as insurance benefits, fuel surcharge waivers, and more.

Benefits and Features of Kotak 811 Credit card

Benefits and FeaturesKotak 811 Credit card
Welcome BenefitsAs a welcome perk, you’ll receive 500 Bonus Reward Points when you spend Rs. 5,000 within the initial 45 days of card issuance.
Cashback/Rewards PointsAccumulate 1 Reward Point for every Rs. 100 spent offline and 2 Reward Points for each Rs. 100 spent online.
Travel BenefitsN/A
Dining BenefitsN/A
Domestic Lounge AccessN/A
International Lounge AccessN/A
Movie BenefitsAchieve 4 PVR tickets by reaching a spending threshold of Rs. 75,000 within a year.
Insurance BenefitsBenefit from Lost Card Cover up to Rs. 50,000 if reported within 7 days of card loss.
*terms and conditions are applied for every credit card, kindly check the official website of Kotak Bank

Railway Surcharge Waiver

The IRCTC website/app grants a waiver of 1.8% surcharge on rail ticket bookings, while railway counter bookings enjoy a 2.5% surcharge exemption. The maximum waiver amount is limited to Rs. 500 within a calendar year.

Welcome Benefit

Receive 500 Bonus Reward Points upon making a minimum expenditure of Rs. 5,000 within the initial 45 days of receiving your card.

Milestone Benefit

Should you reach a minimum expenditure of Rs. 75,000 with the card during a specific membership year, you have the option to select one of the following two milestone benefits:

  1. Enjoy 4 complimentary PVR tickets.
  2. Receive a cashback of Rs. 750.

Eligibility & Document for Kotak 811 Credit card

Read the article on CardsPreview.com for Kotak 811 card Eligibility and document here.

Fees & Charges

Fees & ChargesKotak 811 Credit card
Joining feeRs. 500
Annual feeRs. 500
Fee waiverThe annual fee is waived if you spend a minimum of Rs. 50,000 in the preceding year.
Fuel surchargeEnjoy a 1% waiver on fuel surcharge for transactions ranging from Rs. 500 to Rs. 3,000.
*terms and conditions are applied for every credit card offer, kindly check the official website of Kotak Bank

How to Apply for Kotak 811 Credit Card

You can apply online or offline for this Kotak 811 card.

Online – Visit Kotak Bank’s official website and apply for this credit card.

Offline – You can visit the nearest Kotak Bank branch with all the necessary documents for the Kotak 811 Credit card.


The Kotak 811 Credit Card emerges as an attractive option for young professionals and millennials who are new to credit, offering an entry-level solution with relatively lenient eligibility criteria.

While comparable to its secured counterpart, the 811 #DreamDifferent Credit Card, in terms of rewards and benefits, the unsecured variant imposes a nominal annual fee of Rs. 500, unlike the secured version with no annual fee.

Beyond a respectable reward rate, the card extends various privileges, including milestone benefits like complimentary movie tickets.

With its modest annual fee and fundamental features, this card proves to be an excellent choice for those venturing into the realm of credit cards and seeking a straightforward starting point.

If you have any queries or uncertainties about this card and its features, feel free to ask in the comments section below!

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