Kotak Mahindra Bank
811 Credit Card
SimplifyCards take:A good fit if you want a card built for online and entry level
✓
Best for Online SpendsBest for
2 Reward Points / ₹100 spent online
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for online and entry levelBottom line
It combines accelerated rewards on online spends and milestone rewards
Estimate your Kotak Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Kotak Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Online Spends | 2 Reward Points / ₹100 spent online | - |
| Utility Spends | 1 Reward Point / ₹100 spent on utilities | 350 Kotak Reward Points |
| Other Eligible Offline Spends | 1 Reward Point / ₹100 spent offline | - |
Redemption
Statement balanceupto ₹ 0.07 per point
Vouchersupto ₹ 0.1 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Brand e-vouchers via Kotak Rewards | 1 point = ₹0.10 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 point = ₹0.10 |
Important conditions
1
Milestone3 complimentary PVR movie tickets (worth up to ₹1,200) on spending ₹75,000 in an anniversary year
2
Fee waiverRenewal fee waived on annual spends of ₹ 50,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 500 bonus Reward Points (worth ₹50) on spending ₹3,000 within the first 30 days of card setup
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (max ₹3,500 per calendar year)
- Railway surcharge waiver (max ₹500 per calendar year)
Additional details
- Reward Points can be redeemed for brand e-vouchers or travel bookings via the Kotak Rewards portal at a rate of 1 Reward Point = ₹0.10
- Reward Points can also be redeemed as statement credit (cashback) at a rate of 1 Reward Point = ₹0.07
- A minimum of 2,00,000 Reward Points is not required; a minimum of 2,000 Reward Points is required for statement credit (cashback) redemptions, and a minimum of 300 Reward Points is required for vouchers
Eligibility
Check this before you apply
Salaried
- Age: 18 to 65 years
- Resident of India
Self-employed
- Age: 18 to 65 years
- Resident of India
Exclusions
Spending that does not earn kotak reward points
- Education spends
- E-wallet loading transactions
- Fuel spends
- Rent payments
- Government spends
- Insurance spends
- Online skill-based gaming transactions
- EMI transactions
- Cash advance / withdrawals
Compare before you decide
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