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1st Year Fee: ₹ 0
Rewards Benefit
1 reward point per Rs. 100 spent offline
Online Shopping
2 reward points per Rs.100 spent online
Movie Benefit
3 complimentary PVR tickets in a year
Author: Samridhi Srivastava
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Kotak 811 Credit Card is a lifetime free credit card designed for consumers who want to earn reward points on their regular online and offline purchases. It is suitable for users who frequently shop online, make daily transactions, and prefer benefits such as fuel savings and movie offers. The card offers 2 reward points per Rs. 100 spent online and 1 reward point per Rs. 100 spent offline. Cardholders can also earn 500 bonus reward points after spending Rs. 3,000 in the month of card activation. Additional benefits include a 1% fuel surcharge waiver, railway surcharge waiver, and 3 complimentary PVR tickets on achieving the annual spending milestone.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Kotak Bank’s website.
Reward Program
Welcome Benefit
Milestone Benefits


Annual Fee Waiver
Fuel Surcharge Waiver
Railway Surcharge Waiver
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||||
| Forex Mark-up Fee | Nil | ||||||||||||||||||
| Finance Charges | 3.50% p.m. (or 42% p.a.) | ||||||||||||||||||
| Late Payment Charges |
|
You frequently shop online
You are looking for a card that offers rewards on daily spends
You often spend on fuel and want to save on it
You book movie tickets through PVR
Movies2.5/5
Rewards3.0/5
Online Shopping3.0/5
Kotak 811 Credit Card is suitable for consumers who frequently shop online, want to earn rewards on everyday spending, and prefer a lifetime free credit card. It offers 2 reward points per Rs. 100 spent online and 1 reward point per Rs. 100 spent offline. Cardholders can also earn 500 bonus reward points on meeting the welcome spend criteria, fuel and railway surcharge waivers, and avail 3 complimentary PVR movie tickets on achieving the annual spending milestone.
Everything you need to know about this credit card
This card is suitable for consumers who shop online regularly, want to earn rewards on daily spends, and prefer a lifetime free credit card.
You earn 2 reward points per Rs. 100 spent online and 1 reward point per Rs. 100 spent on offline transactions. Reward points are not applicable on excluded categories such as education, fuel, rent, insurance, wallet loading, government transactions, and online skill-based gaming.
You receive 500 bonus reward points after spending Rs. 3,000 within the month of card activation.
Yes. You can get 3 complimentary PVR movie tickets after spending Rs. 75,000 in a year.
Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions between Rs. 500 and Rs. 4,000 and a railway surcharge waiver on IRCTC and railway booking counter transactions, subject to the specified annual limits.
No. The Kotak 811 Credit Card does not offer complimentary airport lounge access.
Click here to know More Terms and Conditions
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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