by Kotak Mahindra Bank · Updated October 2026
A simple low-fee card from Kotak, with the fee waived at just ₹50,000 a year.
You'll apply on the official Kotak Mahindra Bank page. We never ask for your details.
2 reward points per ₹100 online, 1 point per ₹100 offline
3 PVR tickets on ₹75,000 yearly spend
Fee waived on ₹50,000 yearly spend
1% fuel surcharge waiver
Approximate value back on every ₹100 you spend.
The Kotak 811 Credit Card is worth it if you spend a lot on online shopping (0.5%) and travel & flights (0.5%). The ₹500 annual fee is waived when you spend ₹50,000 a year (about ₹4,167 a month), so it's worth it if you'll hit that. It's less suitable if low reward rate.
Featured in: Best Credit Cards for Students & Beginners
21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹500 and the annual fee is ₹500 (plus GST). The annual fee is waived if you spend ₹50,000 or more in a year.
No. The Kotak 811 Credit Card runs on Visa, and only RuPay credit cards can be linked to UPI.
No, the Kotak 811 Credit Card doesn't include complimentary lounge access.
It's best for first card, low spend. A simple low-fee card from Kotak, with the fee waived at just ₹50,000 a year.
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