811 Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Entry Level, Milestone Cashback
Top rewards
Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline
SmartEarn Credit Card
Rs 495Annual fee
Rs 40,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Entry Level, Shopping, Amazon, Zomato
Top rewards
Partner Merchants: 10 Membership Rewards Points / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends
| Feature | 811 Credit Card | SmartEarn Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | American Express |
| Network | Visa | American Express |
| Joining fee | Rs 500 | Rs 495 |
| Annual fee | Rs 500 | Rs 495 |
| Fee waiver spend | Rs 50,000 | Rs 40,000 |
| Reward type | Kotak Reward Points | Membership Rewards |
| Best for | Online, Entry Level, Milestone Cashback | Online, Entry Level, Shopping, Amazon, Zomato |
| Top reward categories | Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline | Partner Merchants: 10 Membership Rewards Points / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Vouchers worth ₹500 each on reaching spends of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh in a cardmembership year |
| Redemption | Statement credit: upto ₹ 0.07 per point | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Education spends, E-wallet loading transactions, Fuel spends, Rent payments, Government spends, Insurance spends | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, balance transfers |