Kotak 811 Credit Card Review

When it comes to powerful rewards at an affordable rate, the kotak 811 credit card is the choice of many Indians. Targeting frequent shoppers this card brings a ton of useful features with it. It lets you enjoy assured rewards on every transaction, additional rewards on shopping expenses, bonus rewards on milestone spending, and some handsome waivers on fuel and railway surcharges. More about the kotak 811 credit card details are discussed below.

What are kotak 811 credit card eligibility criteria?

• Resident Type: Indian
• Kotak 811 credit card eligibility criteria for salaried people:
  • Age: 18 to 60 years.
  • Income: Above Rs.35,000 monthly
• 811 kotak credit card eligibility criteria for self-employed people:
  • Age: 18 to 65 years.
  • Income: Above Rs.45,000 monthly
• A credit score of 700+ is required to apply for this kotak 811 credit card.

What documents are required to apply for kotak 811 credit card?

• Photocopy of Address proof (any 1)
  • Aadhar Card
  • Driving License
  • Passport
  • Utility bills
• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Two recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of last 3 months
    • ITR
  • Self-employed person
    • Income tax return of the last year
    • Proof of business

What are the 811 kotak credit card fees?

• Kotak 811 Credit Card joining fee: Rs.500 + GST
• Kotak 811 Credit Card annual fee: Rs.500 + GST (Can be waived off on spending Rs.50,000 in a year)

What are the kotak 811 credit card benefits?

• Enjoy the awesome joining bonus: 

On spending Rs.5000 with your card within the first 45 days of your kotak 811 credit card activation, you will receive 500 bonus rewards as a welcome gift.

• Make your transactions more rewarding:

Every transaction made using this card, can earn you assured kotak 811 credit card reward points. The details are mentioned below.

Category of transaction	Reward points for each Rs.100 transaction
Online transactions	2 reward points
Offline transactions	1 reward point

You can check your kotak 811 credit card status from your net banking account.

• Earn additional benefits on milestone spends:

On spending Rs.75,000 with your card within an anniversary year, you can win 4 free PVR movie tickets or a cashback of Rs.750. Also, on spending Rs.50,000 with your card within an anniversary year, you can get a complete waiver on your next year’s annual fee.

• Get freedom from fuel surcharges:

Your kotak 811 credit card offers a 1% waiver on fuel surcharges (up to Rs.3,500 in a year) across all fuel stations in India. The transaction amount should be between Rs.500 to Rs.3,000.

• Earn huge discounts on railway surcharges:

The new kotak 811 credit card offers a 1.8% surcharge waiver on railway tickets booked from the IRCTC official site and a 2.5% surcharge waiver on railway tickets booked from railway ticket booking counters.

• Complimentary lost card liability coverage:

Your kotak 811 credit card features a lost card liability coverage of Rs.50,000. So if your card ever gets lost or stolen, you just have to report it by calling the kotak 811 credit card helpline number and you will not be liable for anything bad that may happen to your account.

What are the kotak 811 credit card charges?

Particulars	Chargeable amount
Kotak 811 credit card cash withdrawal charges	Rs.300 for every Rs.10,000 (or a part thereof) withdrawal (check your kotak 811 credit card limit before making a withdrawal)
Kotak bank 811 credit card finance charge	The kotak 811 credit card interest rate can go up to 3.5% monthly
Foreign currency conversion charge	3.5% against the transaction amount
Kotak credit card add-on card fee	Rs.200 + GST

How to contact the kotak 811 credit card customer care department?

• Call the kotak 811 credit card customer care number: 1800-209-0000 (Toll-free) or 022-6600-6022
• Write to the kotak credit card customer care mail id: customerfirst@kotak.com 

100xGain Ratings:

7/10

Pros and cons of the kotak mahindra 811 credit card:

Pros	Cons
You can earn some handsome rewards from your everyday expenses. This card offers a big discount on railway surcharges. You can also earn some free movie tickets on milestone spending.	There are no dining benefits on this kotak mahindra bank 811 credit card. There are no kotak 811 credit card lounge access benefits available.

Final Opinion:

Now the question is, ‘is kotak 811 credit card good?’ If you are looking for a secondary credit card just for your everyday expenses, the Koak 811 card would be a good option for you. It offers you up to 2 rewards for every Rs.100 transaction, huge discounts on railway surcharges, and some additional benefits on milestone spend.

But if you are looking for premium benefits and facilities, then you will be disappointed with this card. In this case, I would suggest you take a look at our best secondary cards page. Also, if you are looking for a secured credit card then you can take a look at the kotak 811 #dream different credit card.

Alternative Cards:

1. BOI Visa Gold International Credit Card (Best for offering discounts on medical)
2. HDFC Teachers Platinum Credit Card (Best for offering reward points)
3. ICICI Titanium Credit Card (Best for reward, movie, and dining benefits)

FAQs on Kotak 811 credit card:

• How to get kotak 811 credit card?

You can apply for a Kotak credit card from the kotak 811 credit card apply online portal. You can also find all the details about the kotak 811 credit card pin generation process on our FAQ page.

• How to close kotak 811 credit card?

You can find the kotak 811 credit card cancellation procedure on our faq page.

• How much is the annual fee on Kotak 811 credit card?

The annual fee for Kotak 811 credit card is Rs.500 + GST.