Kotak 811 Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
2 Reward Points per ₹100 on online spends (~0.2% value-back); 1 point per ₹100 offline (~0.1%), excluding fuel & railway; 1 Reward Point = ₹0.10 (revised from ₹0.25, effective 1 Jun 2025, minimum 2,000 points for redemption)
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
No Lounge Access
Our 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).
Reward limits
Checked 28 Sep 2026 · Bank terms
-
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: Education, wallet loads, fuel, rent, government, insurance, online gaming
Where this card earns most
Paying directly in the app or site · 0.1% on other spends
Pros & Cons
Key Advantages
- 2 Reward Points per ₹100 on online spends (redemption value cut from ₹0.25 to ₹0.10/point, effective Jun 2025)
- 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 ~0.1%, reflecting the June 2025 cut in point redemption value
- Designed for Kotak 811 digital account holders as an entry-level card
Key Perks & Spending Milestones
2 Reward Points per ₹100 on online spends, 1 point per ₹100 offline (fuel and railway excluded)
1 Reward Point = ₹0.10 on redemption (minimum 2,000 points), revised from ₹0.25 effective 1 Jun 2025
Fully digital card issuance, no branch visit needed
1% fuel surcharge waiver, capped at ₹3,500/year
Up to 50 days of interest-free credit period
Spend milestone
Lifetime free digital card
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Lifetime free digital card
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good (730+)
Frequently Asked Questions
Did Kotak 811 Credit Card's reward value change recently?
What's the reward rate on Kotak 811?
Does Kotak 811 Credit Card offer lounge access?
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 on online spends (~0.2% value-back); 1... | No Lounge Access | 4.2/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | 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 |