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Kotak 811 Credit Card
Kotak 811 Credit Card is an entry-level card recently launched by Kotak Mahindra Bank. This is a secured card issued against a Fixed Deposit. Kotak 81
Security
Advanced protection for all transactions
Instant
Immediate digital card access
Rs. 500 + GST
Joining Fee
Rs. 500 + GST
Renewal Fee
24/7
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Meet Kotak 811 Credit Card
Kotak 811 Credit Card is an entry-level card recently launched by Kotak Mahindra Bank. This is a secured card issued against a Fixed Deposit. Kotak 811 Credit Card comes with a membership fee of Rs. 500 per annum, which is waived on an annual expenditure of a minimum of Rs. 50,000. The card offers a reward rate of 0.5% on online spends and 0.25% on offline transactions made with the card. Apart from the reward rate, you are also entitled to a milestone benefit of Rs. 750 cashback on spending a minimum of Rs. 75,000 with the card in the preceding membership year. Other than this, the card has several other advantages, including insurance benefits, fuel surcharge waiver, etc. Read on to learn more about this entry-level offering by Kotak Bank.
Kotak 811 Credit Card MEMBERSHIP
JOINING FEERs. 500 + GST
Detailed Card Information
Everything You Need to Know
Discover the comprehensive benefits and features that make Kotak 811 Credit Card the perfect choice for those who demand excellence.
Spend- Based Waiver
Annual fee waived off on spending a minimum of Rs. 50,000 in the preceding year.
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% of the transaction amount
Interest Rates
3.5% per month (or 42% annually)
Fuel Surcharge
1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 3,500 per annum).
Cash Advance Charges
Rs. 300 per Rs. 10,000 withdrawn
Movie & Dining
Option to get 4 PVR tickets on spending Rs. 75,000 in a year.
Rewards Rate
1 Reward Point per Rs. 100 on offline spends and 2 Reward Points per Rs. 100 on online spends.
Reward Redemption
Reward Points redeemable for mobile recharges, shopping vouchers, gift cards, movie and travel vouchers at Kotak Rewards portal.
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Lost card cover worth Rs. 50,000 applicable 7 days prior to reporting the loss of card
500 Bonus Reward Points as a welcome benefit on spending Rs. 5,000 with 45 days of card issuance.
2 Reward Points for every Rs. 100 spent online and 1 Reward Point for every Rs. 100 spent offline.
4 PVR tickets of a cashback of Rs. 750 on spending a minimum of Rs. 75,000 in a year.
1.8% surcharge waived off on online transactions at IRCTC and 2.5% surcharge waived off on rail ticket bookings at counters.
1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 3,500/year).
Lost card insurance cover worth Rs. 50,000 against fraudulent usage of the card applicable 7 days pre-reporting the loss of card to the bank.
Annual fee of Rs. 500 waived off on spending a minimum of Rs. 50,000 in the preceding anniversary year.
Why Choose Kotak 811 Credit Card
Banking Reimagined for the Digital Age
Experience a new standard in premium banking with features designed for the modern professional. Welcome to the future of financial excellence.
500 Bonus Reward Points as a welcome benefit on spending Rs. 5,000 with 45 days of card issuance.
2 Reward Points for every Rs. 100 spent online and 1 Reward Point for every Rs. 100 spent offline.
4 PVR tickets of a cashback of Rs. 750 on spending a minimum of Rs. 75,000 in a year.
1.8% surcharge waived off on online transactions at IRCTC and 2.5% surcharge waived off on rail ticket bookings at counters.
1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 3,500/year).
Lost card insurance cover worth Rs. 50,000 against fraudulent usage of the card applicable 7 days pre-reporting the loss of card to the bank.
Annual fee of Rs. 500 waived off on spending a minimum of Rs. 50,000 in the preceding anniversary year.
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