Kotak 811 Credit Card on Insurance premiums
No. The Kotak 811 Credit Card earns no rewards on Insurance premiums.
On Insurance premiums
0%
Other spends
0.1%
Rank for Insurance premiums
#127 of 149
Annual fee
Free
What to know before you pay on Insurance premiums
How it works
0.2% online, 0.1% offline. Very low value; the card's appeal is easy approval, not rewards.
Caps & rules
- 2 Reward Points per ₹100 online, 1 per ₹100 offline.
- Valued at ₹0.10 per point (Kotak's rate for recharge/shopping redemptions).
- 500 bonus points on ₹3,000 spend in 30 days; 3 PVR tickets on ₹75,000 annual spend.
Reward limits
- 2 points per ₹100 online, 1 per ₹100 offline: No limit
- Points on utility bills: Only on the first ₹35,000 per statement cycle
No rewards on
From 1 Jun 2025: wallet loads, online skill gaming, insurance, government, rent, education and fuel earn nothing; utility spends earn only up to ₹35,000 per statement cycle
Checked 2026-09-28 · Bank terms
Cards that earn more on Insurance premiums
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹500 a month
10%
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#2
HDFC Infinia Credit Card Metal Edition
HDFC Bank · ₹12,500 + Taxes
3.33%
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#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes
3.33%
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Where else the Kotak 811 Credit Card earns more
Questions
Does the Kotak 811 Credit Card give rewards on Insurance premiums?
No. The Kotak 811 Credit Card earns no rewards on Insurance premiums.
Is there a limit on Kotak 811 Credit Card rewards?
2 Reward Points per ₹100 online, 1 per ₹100 offline. Valued at ₹0.10 per point (Kotak's rate for recharge/shopping redemptions). 500 bonus points on ₹3,000 spend in 30 days; 3 PVR tickets on ₹75,000 annual spend.
Which credit card is best for Insurance premiums?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Insurance premiums, with 10% back. The Kotak 811 Credit Card ranks #127 of 149 cards we compared, by what each returns after caps.