Kotak 811 Credit Card
Kotak Mahindra Bank · Points/miles card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST — waived at ₹50,000/yr spend |
| Welcome benefit | ~₹125 value |
| Airport lounges | None |
| No rewards on | education, wallet, fuel, rent, government, insurance, gaming |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 2 reward points per Rs.100 on online spends | 0.5% | Uncapped | online |
| 1 reward point per Rs.100 on offline spends | 0.25% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Unsecured Kotak 811 Credit Card (verified 2026-07-16). Distinct from the separate secured, lifetime-free 'Kotak811 Dream Different' card (FD-backed, no published reward rate).
Welcome: 500 bonus reward points on Rs.3,000 spend within 30 days of issuance.
Reward points on utility spends are earned only up to Rs.35,000 per statement cycle (effective 1 June 2025).
Kotak reward point value is not fixed by the issuer; modeled at Rs.0.25/point pending confirmation.
Quick answers
Is the Kotak 811 Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST), waived on spending ₹50,000 a year.
What is the highest reward rate on the Kotak 811 Credit Card?
0.5% — 2 reward points per Rs.100 on online spends. Effective value depends on monthly caps; see the caveats on this page.
Does the Kotak 811 Credit Card give airport lounge access?
No, the Kotak 811 Credit Card does not include airport lounge access.