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KotakVisamid-tier

Kotak 811 Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 500/yr
joining fee₹ 500
fee waiver at₹ 50,000/yr
base earn rate1 / ₹100
rewards inreward points

earn rates

flat 1 / ₹100 on all spends — no category bonuses.

benefits & perks

Welcome Benefit

Spend Rs.3,000 within the first 30 days of card issuance and receive 500 bonus reward points

unlocks at ₹ 3,000/yr

Milestone Spends Benefit

Spend Rs.75,000/- in an anniversary year and get 3 complimentary PVR tickets

unlocks at ₹ 75,000/yr

Fuel Surcharge Waiver

1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.4,000. Avail of a maximum fuel surcharge waiver of Rs.3,500 in each calendar year.

Railway Surcharge Waiver

Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters.

run your spend profileto see this card's value for you.