Kotak 811 Credit Card on IRCTC
Yes. The Kotak 811 Credit Card gives 0.2% back when you pay on IRCTC directly, compared with 0.1% on its other spends.
On IRCTC
0.2%
Other spends
0.1%
Rank for IRCTC
#128 of 149
Annual fee
Free
What to know before you pay on IRCTC
Cap on IRCTC
No cap
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
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#1
IRCTC SBI Card Premier
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10%
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#2
6.67%
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#3
YES Bank POP CLUB Credit Card
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Where else the Kotak 811 Credit Card earns more
Questions
Does the Kotak 811 Credit Card give rewards on IRCTC?
Yes. The Kotak 811 Credit Card gives 0.2% back when you pay on IRCTC directly, compared with 0.1% on its other spends.
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 IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The Kotak 811 Credit Card ranks #128 of 149 cards we compared.