Kotak Mahindra Bank
Classic · 811
Kotak 811 Credit Card
Kotak Mahindra Bank
Free LTF entry-level card with fuel waiver
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,400
Total Annual Benefits
₹2,400
Total Annual Charges
₹0
ROI
0%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (1)
Reward Points on All Spends
2 Reward Points per ₹200 spent on all retail purchases
2 RP per ₹200
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
Kotak Reward Points
2 RP per ₹200
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free |
| Annual Fee | Free Lifetime Free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
0 0 0
Lost Card Liability
₹50,000
Report within 24h
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹10,000
POS & E-Commerce / Day
₹50,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance EMI conversion facility Fuel surcharge waiver Lifetime Free
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak 811 Credit Card is a Lifetime Free (LTF) entry-level Visa Classic card offering 2 reward points per ₹200 on all spends and fuel surcharge wa...
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