KKotak MahindraKotak 811 Credit CardVisa
Kotak 811 Credit Card Credit Card
Kotak Mahindra Bank · Entry level
2 reward points per Rs 100 online, 1 point per Rs 100 elsewhere; 3 PVR tickets on Rs 75,000 anniversary spends.
- Joining fee
- ₹500
- Annual fee
- ₹500
- Waiver spend
- ₹50,000
- Forex markup
- 3.5%
Fee waiver
Spend ₹50,000 in a card year and the next annual fee is waived.
That is about ₹4,167 a month.
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Fee waiver: what is left to spend
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Cost of paying only the minimum
How the app counts rewards
- 2 points per Rs 100 on online utilities, up to Rs 35,000 spend a cycle
- 1 point per Rs 100 on offline utilities, up to Rs 35,000 spend a cycle
- 2 points per Rs 100 online
- 1 point per Rs 100 in store
No rewards on education, fuel, insurance, rent, wallet loads.
Points
Kotak Reward Points, worth about ₹0.1 each on the usual redemption. Expire after 2 years.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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