Kotak 811 Credit Card Features And Benefits

Kotak 811 Credit Card Features And Benefits
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The credit card Kotak 811 #DreamDifferent is secured by a fixed deposit. This secured credit card offers exclusive offers upon reaching milestones, as well as a remission of fuel and railway surcharges. After spending Rs 75,000 or more, cardholders can become eligible for the milestone program and receive bonus offers in the form of PVR tickets or rebates.


  • Effectively convert heavy buys to reasonable EMIs. Now is the right time to acquire and spend in rewards.
  • Earn 2 reward points for every Rs. 100 spent online
  • Earn 1 reward points for every Rs. 100 spent offline
  • Yearly expense of Rs. 500 postponed on spending Rs. 50,000 in the past previous year
  • Spend Rs. 75,000/ – in a year and get 4 free PVR tickets OR cashback of Rs. 750/ –
  • The 1% fuel overcharge waiver is applicable exchanges that reach somewhere in the range of Rs.500 and Rs.3,000. Benefit of a greatest fuel overcharge waiver of Rs.3,500 in each scheduled year.
  • Fuel exchanges are not qualified to acquire any Award focuses.
  • Save rail line overcharge of 1.8% for exchanges on www.irctc.co.in and 2.5% for exchanges on Indian Rail lines Booking Counters.
  • The most extreme railroad overcharge waiver that is permitted in a schedule year is Rs.500/ –

Add on card:

  • Your Extra Card will have every one of the advantages that you appreciate on your Card
  • Set as far as possible on your Extra Card as you want
  • Track spends independently for every one of your Extra Card(s)
  • Click here to apply now for an Extra Card.

Eligibility criteria:

  • Essential  card holders ought to be in the age section of 18 years to 65 years. Add-on Card holder ought to be 18 years or more
  • Area – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (counting Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
  • Ought to be an occupant of India

Documents required:

Identity proof – pan card, passport, driving license, aadhar card, voter id etc, any government approved photo id proofs.

Address proof – aadhar card, passport,voter id,driving license

Income proof – latest one or two salaried slips (not more than 3 months old) , latest form 16, bank statement of last 3 months

More Features:

Premium free money withdrawal:

Balance Move:

  • Handling expense of Rs. 349 for every Rs. 10,000
  • Proceeded with interest free period on new retail buys
  • Simple and Moment – call Kotak Mahindra Bank to move your other Mastercard adjusts

811 #DreamDifferent Safeguard – Lost Card Obligation Cover

  • In the event that the got Visa is taken, cardholders can get a front of Rs. 50,000 against fake utilisation for as long as 7 days of pre-detailing
  • Cardholders are expected to call the Client Contact Center (1860 266 2666) right away and get Visa hindered or deactivated to forestall abuse and register a case with the Insurance Agency.


Joining Fees -Rs. 500

Annual Fees -Rs. 500

Condition for waiver of Joining Fees – NA

Condition for waiver of Annual Fees – Rs. 50,000

Add-on card Fees – Rs. 200

Interest Charges on outstanding Balances – 3.5% (Annualized 42%)

Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) – 10%

ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof – Rs. 300

Late Payment Charges (“LPC”) –

Rs. 100 for statement o/s less than or equal to Rs. 500.

Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000

Rs. 700 for statement o/s greater than Rs. 10,000

Over Limit Charge – Rs. 500

Cheque Bounce Charges – Rs. 500

Foreign Currency Mark Up – 3.5%

Railway Booking Surcharge (1.8%/2.5% on transaction amount)* –


Fuel Surcharge (1% on transaction)* – Waived

Fee for Cash payment at Bank – Rs. 100

Outstation Cheque Processing Fee – Waived

Reissue/ Replacement Card (per issuance) – Rs. 100

Charge Slip Request – Waived

Machine Surcharge at ATMs – Waived

Balance Enquiry Charges at Non Parent Bank ATM – Waived

Duplicate Statement Request – Waived

Web Pay Service Fee – Waived

  • Save rail route overcharge waiver of 1.8% for exchange on www.irctc.co.in and 2.5% for exchanges on Indian Rail lines Booking Counters.Maximum rail route overcharge waiver permitted in a schedule year is Rs. 500/ –
  • Save fuel overcharge waiver of 1% across Fuel Stations on Kotak 811 Charge card. Most extreme fuel overcharge waiver permitted in a schedule year is Rs. 3,500/ –

How to apply:

Apply through our website www.quickpolicy.in/kotak 

Visa paywave:

  • Acquainting a quick way with pay. Visa payWave offers a quick, completely safe method for paying. Simply wave your Kotak 811 Credit and pay for exchanges up to Rs. 5000 without a PIN
  • Visa payWave Charge card and pay for exchanges up to Rs. 5000 without a PIN
  • Contactless instalments are free from even a hint of harm
  • You don’t have to enter your PIN – simply wave your charge card on the peruser
  • The Visa never leaves your hand, decreasing the gamble of Mastercard misfortune or fake
  • Instalments upheld by various layers of safety, which guarantees that you are protected from fake or unapproved exchanges.


The Kotak 811 Credit Card is a new entry-level card that Kotak Mahindra Bank has introduced. In terms of rewards and advantages, the card is essentially similar to the Kotak 811 #DreamDifferent Credit Card, which is a secured card provided against TD. The Kotak 811 Credit Card has an annual membership cost of Rs. 500, which is waived once you spend at least Rs. 50,000 in a single year. The card provides a reward rate of 0.25% for transactions made with the card offline and 0.5% for purchases made online.

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