Kotak 811 Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
2 Reward Points per ₹100 online (0.5%); 1 point per ₹100 offline (0.25%), excluding fuel & railway
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
No Lounge Access
FindMyCard Expert Take
The Kotak 811 Credit Card from Kotak Bank offers Kotak 811 Savings Account Digital Users with an annual fee of Lifetime Free (₹0).
Pros & Cons
Key Advantages
- 2 Reward Points per ₹100 on online spends
- 1% fuel surcharge waiver, capped at ₹3,500/year
- Fully digital card issuance, no branch visit needed
- Fee waiver threshold (Lifetime free digital card)
Limitations
- No airport lounge access
- Base offline reward rate is a low 0.25%
- Designed for Kotak 811 digital account holders as an entry-level card
Editorial Verdict
The Kotak 811 Credit Card is ideally suited for kotak 811 savings account digital users. If you want 2 reward points per ₹100 online (0.5%); 1 point per ₹100 offline (0.25%), excluding fuel & railway, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on cashback purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Lifetime free digital card
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Lifetime free digital card
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare Kotak 811 Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Kotak 811 Credit Card This Card | Free | 2 Reward Points per ₹100 online (0.5%); 1 point per ₹100 offline... | No Lounge Access | 4.2/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |