Last updated: |Data verified from official bank sources
Entry
Kotak 811 Credit Card
Kotak Mahindra Bank
Best for: Entry-level card for Kotak customers
₹500
Annual Fee
2%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Entry-level card for Kotak customers
Things to Watch Out For
- •Reward point value reduced from ₹0.25 to ₹0.10 in Jun 2025
Fees & Charges
Joining Fee₹0
Annual Fee₹500
Fee WaiverSpend ₹50K annually
Rewards
TypePoints
Base Rate2 pts/₹100 online, 1 pt/₹100 offline
Effective Return2%
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹1.8L/year
Welcome Benefits
Benefit500 bonus points on ₹3K spend in 30 days
Estimated Value₹50
Available on: Visa
Frequently Asked Questions
What is the annual fee for Kotak 811 Credit Card?▼
Kotak 811 Credit Card has an annual fee of ₹500. Spend ₹50K annually
What rewards does Kotak 811 Credit Card offer?▼
Kotak 811 Credit Card offers 2 pts/₹100 online, 1 pt/₹100 offline on all spends, with an effective value of 0.2%.
Does Kotak 811 Credit Card have lounge access?▼
Kotak 811 Credit Card does not include complimentary lounge access.
What is the minimum income required for Kotak 811 Credit Card?▼
The minimum income requirement for Kotak 811 Credit Card is ₹1.8 lakhs per annum.
Information sourced from Kotak Mahindra Bank official website. Last verified: February 2026.
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