Kotak 811 Credit Card
Kotak Mahindra Bank · Open to apply
An entry rewards card with a ₹500 fee waived at ₹50,000 of yearly spend: 2 reward points per ₹100 online and 1 per ₹100 elsewhere, 500 bonus points on ₹3,000 of early spend and 3 free PVR tickets at ₹75,000 of yearly spend.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 1 reward point per ₹100 on offline spends: 1 Reward Points per ₹100 (about 0.1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2 reward points per ₹100 on online spends: 2 Reward Points per ₹100 (about 0.2% at cash value)
- 2 reward points per ₹100 on online utility and telecom bills, up to ₹35,000 a statement: 2 Reward Points per ₹100 (about 0.2% at cash value)
Earns nothing on
- No reward points on education, wallet loads, fuel, rent, government, insurance and online skill-based gaming (from 1 Jun 2025)
- No reward points on EMI and cash advances
Where the sources disagree
- fuel surcharge waiver period: The MITC says the ₹3,500 maximum is per anniversary year; the product page says per calendar year. The MITC is used.
Sources
- Kotak 811 Credit Card product page, features, milestone, rewards redemption, eligibility, fees and value chart tabs (Product page, the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (updated 3 Nov 2026, KOTMITC/11/2026/Version 3) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- List of MCCs for the revisions in fees and features from 1 May 2025 (Reward terms, the bank's own, read 6 Nov 2026)