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Kotak 811 Credit Card
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Kotak 811 Credit Card

Kotak Mahindra Bank

Joining Fee₹500Renewal Fee₹500Waived at ₹50,000 annual spend some spends excluded
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Last verified: 23 Sept 2026

Reward Program

Kotak Reward Points1 point = ₹0.25
CategoryEarn RateMonthly Cap

Online spends (any merchant, card-not-present)

0.5%No cap
All other spends0.25%No cap

Redemption fee: 0

🔁

Managed via Kotak Rewards portal, Kotak811 mobile banking application

Transfer partners

Kotak Rewards catalogue — 1 Reward Point = ₹0.25, from the MITC's redemption table, which puts the Kotak 811 Credit Card in the 25-paise catalogue group.Cash value redemption — 1 Reward Point = ₹0.10, reduced from ₹0.25 with effect from 1 June 2025, with a 2,000-point minimum. That is a 60% haircut, the steepest cash reduction on any Kotak card, so the catalogue is the only sensible channel.

Live Offers

20 active
Elivaas10% instant discount up to 50,000 on Kotak Cards. For Solitaire Credit Card/Wealth Infinit
10% offTill 7 Oct
MakeMyTripUp to 15% instant discount upto ₹20,000 on Kotak Mahindra Bank Select Credit Cards
15% offTill 31 Mar
The Bombay Sweet ShopFlat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on bot
30% offTill 30 Nov
District20% instant discount upto ₹10,000 at district via Kotak Solitaire Credit Card
20% offTill 31 Mar
BiginBoost sales and foster long-term customer relationships with Bigin, the simple yet powerfu
50% offTill 31 Mar
View all 42 offers

Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹3,500 in an anniversary year with effect from 1 June 2025. Fuel transactions earn no Reward Points.

₹125🎁

Welcome Benefit

500 bonus Reward Points

Earned on spending ₹3,000 within the first 30 days of card issuance.

Milestone Benefits

Not every spend counts toward these targets — see what is excluded.

Spend ₹75,000/year3 complimentary PVR movie tickets₹750 total by this tier · 1.00% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee₹500/yr
Renewal Fee₹500/yr
Fee WaiverSpend ₹50,000/year
Not all spends count
Forex Markup3.5%
Interest Rate45% p.a.
Cash Advance Fee2.5% of the advance amount, subject to a minimum of ₹500.
Reward Redemption Fee0

Spends That Don’t Count

Kotak leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.

Excluded from the fee waiver

Toward the ₹50,000/year waiver

  • EducationCoaching, College fees, Online courses, School fees
  • Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
  • Getting aroundFuel
  • InsuranceHealth, Motor, Other cover
  • SubscriptionsGaming
  • TravelForex card loads
  • UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water

Excluded from milestone spends

Toward the milestone targets above

  • EducationCoaching, College fees, Online courses, School fees
  • Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
  • Getting aroundFuel
  • InsuranceHealth, Motor, Other cover
  • SubscriptionsGaming
  • TravelForex card loads
  • UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water

In the News

Priya Menon · 12d ago

Kotak 811 Credit Card Review 2026: 2X Online, 3 Free PVR Tickets, Fees & FAQs

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