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Kotak Bank 811 Credit Card Review – Another one of the popular Entry-level credit cards for individuals. it is Kotak Rewards-based credit card for self-employed and salaried applicants. it is available for 18 years or Above Age Applicants. it allows getting reward points on everyday online and offline shopping.


it supports all additional Benefits such as Welcome Offers, Annual Fee Waivers, Milestone Spends Benefits, Fuel Surcharge Waiver, Railway Surcharge Waiver, Add-on Card, And Card Insurance coverage.

As A Welcome Gift, it offers 500 bonus reward points on spending up to ₹5000 within the first 45 days. moreover, it allows getting 4 free PVR tickets OR cashback of ₹750 as a Milestone program feature benefit for the cardholder.

it is a popular card by Kotak bank for earning reward points. it mainly focuses on offering a reasonable rate of reward points for online purchasing. it allows you to convert your big purchases into affordable monthly EMIs.

it is quite suitable for new individuals who want to maintain their credit score and want to earn reward points on all types of shopping.

What Are The Kotak 811 Credit Card Offers And Benefits

Kotak 811 Credit Card is a Low-end Kotak reward Points based card for daily shopping. it allows you to get cashback as reward points on offline and online purchases. it allows getting 2 reward points on all online category shopping. it comes with an extra layer of security such as 6-digit PIN authentication on the card and an Embedded EMV Chip for higher level safety while the credit card holder do Visa payWave payments. it could beneficial card for you to earn reward points on each and every shopping in India.

it allows getting the benefit of a 1% fuel surcharge waiver on ₹500 and ₹3,000 transcations across fuel stations in India. Furthermore, the credit card holder is also eligible to get Railway Surcharge Waiver. in brief, you can get a 1.8% Railway Surcharge Waiver for transactions using the online IRCTC Website or App. 2.5% Waiver for train tickets from the ticket counter.

It supports all additional Kotak features such as –

  1. Card Insurance cover

  2. Add-on Card

  3. Reward Points on all Offline/Online Spends

  4. Smart EMI

  5. Welcome Offer

It has an annual membership charge is 500. which comes with the benefit of an Annual Fee Waiver. To be eligible, you will have to spend 50 thousand in the previous year by using the card.

Eligibility Criteria For 811 Credit Card By Kotak Bank?

There are few locations where the 811 Credit card is available to apply such as


  1. Ahmedabad

  2. Bangalore

  3. Chandigarh

  4. Chennai

  5. Delhi (including Gurgaon and Noida),

  6. Hyderabad,

  7. Kolkata,

  8. Mumbai

  9. Pune

The individual must have aged upto 18 years to get this card. moreover, you must have a good credit score and a stable monthly source of income to be eligible for the card. moreover, you Should be a resident of India.


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