CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 28 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 2 Reward Points per ₹100 spent
Earn 2 Reward Points for every ₹100 spent on online transactions. Earn 1 Reward Point for every ₹100 spent on offline transactions.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Benefit: Choose between 4 PVR tickets or a cashback of ₹750 on spending a minimum of ₹75,000 in an anniversary year
Annual Fee Waiver: The renewal fee of ₹500 is waived upon spending a minimum of ₹50,000 in the preceding year
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver capped at ₹3,500 per annum)
Insurance: Comprehensive card protection cover of ₹50,000 against fraudulent usage up to 7 days pre-reporting the loss
Railway Surcharge Waiver: 1.8% waiver on online transactions at IRCTC and 2.5% waiver on rail ticket bookings at counters
An honest read on where this card earns its keep — and where it doesn't.
Low annual fee of ₹500 with an easily achievable waiver target of ₹50,000
Double reward points on all online spends
Valuable milestone benefit offering ₹750 cashback or 4 PVR tickets
Welcome bonus of 500 points available for low initial spend requirement
No complimentary airport lounge access
Low base reward rate (0.25%) on offline transactions
Relatively high interest rate of 45% annually
Foreign currency markup of 3.5% makes it unsuitable for international usage
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak 811 Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Kotak 811 Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Kotak 811 Credit Card fees, reward conversion, lounge access, and application eligibility.
Kotak 811 Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Get 500 Bonus Reward Points as a welcome benefit on spending a minimum of ₹5,000 within the first 45 days of card issuance.".
Kotak 811 Credit Card earns Reward Points at a primary rate of Up to 2 Reward Points per ₹100 spent. Specifically, Earn 2 Reward Points for every ₹100 spent on online transactions. Earn 1 Reward Point for every ₹100 spent on offline transactions.. Spends in Entry Level, Shopping, Rewards categories provide the maximum valueback per transaction on this card.
Rewards earned on Kotak 811 Credit Card can be redeemed for Shopping Vouchers, E-gift Vouchers, Movie & Travel Vouchers, Mobile Recharges, Cashback (1 RP = ₹0.10 to ₹0.25) via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
A CIBIL credit score of 750 or above is strongly recommended for approval of Kotak 811 Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak 811 Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Kotak 811 Credit Card levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak 811 Credit Card currently features a welcome offer: "Get 500 Bonus Reward Points as a welcome benefit on spending a minimum of ₹5,000 within the first 45 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low annual fee of ₹500 with an easily achievable waiver target of ₹50 and 000. However, keep in mind that No complimentary airport lounge access and Low base reward rate (0.25%) on offline transactions. Overall, Kotak 811 Credit Card delivers strong value if your regular spending aligns with Entry Level, Shopping, Rewards.
Kotak 811 Credit Card is focused on Entry Level and Shopping and Rewards valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Kotak 811 Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
