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Kotak 811 Credit Card
Kotak Mahindra Bank

Kotak 811 Credit Card

Checked against Kotak Mahindra Bank's 6 documents for this card on 02 Nov 2026
COFFER Safety Stars3 of 5See the five checks
Interest
0 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 13 of 13 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns reward point

First-year fee

₹500 to join.

Annual fee

₹500 a year.

What it gives back

1 reward point per ₹100 · everyday spends

Read from 6 Kotak Mahindra Bank documents, last checked 9 Nov 2026.

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How it compares

Compared with the cards we have read

₹500 annual fee: of the 447 other open cards whose annual fee we have read, 208 state a lower one, 33 state the same and 206 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Annual fee

    ₹500 a year.

  • Joining fee

    ₹500 to join.

  • Fee waiver rule

    Annual fee waiver on retail spends of ₹50,000 in the previous anniversary year

  • Add-on card fee

    ₹200.

Welcome offer

  • Welcome benefit

    Spend ₹3,000 within the first 30 days of card issuance and receive 500 bonus reward points

Rewards

  • Reward rate

    1 reward point per ₹100 · everyday spends1 reward points for every ₹100.

  • Reward exclusions

    Reward Points will not be earned on transaction categories: Education, Wallet Loading, Fuel, Rent & Government, Insurance and Online Skill based Gaming.

  • What one reward unit is worth

    Cashback redemption value: 10 paise per point (revised, effective 1st June, 2025); minimum cashback redemption 2000

Card benefits

  • Milestone benefits

    Spend ₹75,000 in an anniversary year and get 3 complimentary PVR tickets; spends under Utility, Education, Wallet Loading, Government, Insurance, Online Skill based Gaming, Fuel and Rent will not be considered while calculating milestone benefits

Also included

  • Fuel surcharge waiver

    1% fuel surcharge waiver is applicable on transactions that range between ₹500 and ₹4,000. Avail of a maximum fuel surcharge waiver of ₹3,500 in each calendar year.

  • Surcharge on railway tickets

    Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters; maximum railway surcharge waiver of ₹500 in a calendar year

  • Add-on card eligibility

    Add-on Card holder should be 18 years and above.

  • Balance transfer terms

    Balance Transfer requests will not be processed for amounts less than ₹2,500/ - & greater than 75% of the Credit Limit.

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Cash advance fee

    2.5% on advance amount, subject to minimum of ₹500

  • Interest on unpaid balance

    3.75% monthly rate, 45.00% annual rate (APR)

  • Interest-free period

    Up to 51 days, depending on the Payment Due Date

  • Late payment fee

    ₹0 to ₹1,300, depending on outstanding balance.

  • Payment return or dishonour fee

    Cheque Return Fee 2.0% on bounce amount, subject to minimum of ₹500

  • Minimum amount due

    Note: If you spend ₹1,000 and you pay back exactly the Minimum Amount Due ("MAD") every month, then it may result in repayment stretching over 14 months (calculation done with MAD as 1% subject to minimum

Eligibility

  • Age the primary cardholder must be

    18 years to 65 years.

  • Eligibility

    Resident of India; location: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune

Ways to redeem your points

Points expiring? Use Expiry Rescue

How we know - 6 documents from Kotak Mahindra Bank, checked 9 Nov 2026

6 documents from Kotak Mahindra Bank, checked 9 Nov 2026.

  • Key Fact Statement KFS Kotak 811 Super Money CreditcardProof
  • Kotak 811 Credit Card - Eligibility CriteriaProof
  • Kotak 811 Credit Card - Fees and ChargesProof
  • Card pageProof
  • MITCProof
  • Card terms and conditionsProof
Apply on Kotak Mahindra Bank

₹500 a year

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