Kotak 811 Credit Card

Card Details

Kotak 811 Credit Card
Issuer
Kotak Mahindra Bank
Card type
Shopping
Joining fee
₹500 + GST
Annual fee
₹500 + GST
Rewards currency
Reward Points

Highlights

  • 500 welcome reward points on spend milestone
  • 2 RP/₹100 online and 1 RP/₹100 offline
  • Milestone: ₹750 cashback or 4 PVR tickets on ₹75,000 annual spend

Welcome, annual & renewal benefits

  • Joining/Annual Fee: ₹500 + GST.
  • Welcome Benefit: 500 Bonus Reward Points on spending ₹5,000 within 45 days of card issuance.
  • Annual fee waived on spending ₹50,000 in the preceding year.

Reward earning

Spend typeEarn rate
Online spends2 Reward Points / ₹100
Offline spends1 Reward Point / ₹100
  • 1 Reward Point = ₹0.25.
  • Reward redemption fee: Nil.

Milestone Benefits

  • On spending ₹75,000 in a membership year, choose either: 4 complimentary PVR tickets OR ₹750 cashback.

Additional Benefits

  • Fuel surcharge waiver: 1% waiver for transactions between ₹500 and ₹3,000.
  • Railway surcharge waiver on IRCTC/counters.
  • Foreign currency markup is typically 3.5% on Kotak cards unless specified otherwise.

Review

Basic entry level card from Kotak Bank. Reward rate is too low. Better to put your spend on some other card.