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Kotak Mahindra Bank

Kotak 811 Credit Card

Kotak 811 Credit Card

  • Joining Fee :

    Rs. 500 + GST

  • Renewal Fee :

    Rs. 500 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

500 Bonus Reward Points on expenditure of Rs. 5,000 within 45 days of card issuance.

Best suited for

Shopping

Product Details

  • 500 Bonus Reward Points as a welcome benefit on spending Rs. 5,000 with 45 days of card issuance.

  • 2 Reward Points for every Rs. 100 spent online and 1 Reward Point for every Rs. 100 spent offline.

  • 4 PVR tickets of a cashback of Rs. 750 on spending a minimum of Rs. 75,000 in a year.

  • 1.8% surcharge waived off on online transactions at IRCTC and 2.5% surcharge waived off on rail ticket bookings at counters.

  • 1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 3,500/year).

  • Lost card insurance cover worth Rs. 50,000 against fraudulent usage of the card applicable 7 days pre-reporting the loss of card to the bank.

  • Annual fee of Rs. 500 waived off on spending a minimum of Rs. 50,000 in the preceding anniversary year.

Rewards & Benefits

  • Movie & Dining

  • Option to get 4 PVR tickets on spending Rs. 75,000 in a year.

  • Rewards Rate

  • 1 Reward Point per Rs. 100 on offline spends and 2 Reward Points per Rs. 100 on online spends.

  • Reward Redemption

  • Reward Points redeemable for mobile recharges, shopping vouchers, gift cards, movie and travel vouchers at Kotak Rewards portal.

  • Travel

  • N/A

  • Golf

  • N/A

  • Domestic Lounge Access

  • N/A

  • International Lounge Access

  • N/A

  • Insurance Benefits

  • Lost card cover worth Rs. 50,000 applicable 7 days prior to reporting the loss of card

  • Zero Liability Protection

  • Cardholder shall not be liable for any fraudulent transaction made on the card post reporting the loss of the card to the bank.

Fees & Charges

  • Spend Based Waiver

  • Annual fee waived off on spending a minimum of Rs. 50,000 in the preceding year.

  • Rewards Redemption Fee

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Foreign Currency Markup

  • 3.5% of the transaction amount

  • Interest Rates

  • 3.5% per month (or 42% annually)

  • Fuel Surcharge

  • 1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 3,500 per annum).

  • Cash Advance Charges

  • Rs. 300 per Rs. 10,000 withdrawn

  • Add-on Card Fee

  • Rs. 200 (plus applicable taxes)

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