Kotak Mahindra BankKotak 811 Credit Card

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Kotak Mahindra Bank

Kotak 811 Credit Card

3.9Best for online shopping

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Online shopping 2 RP/Rs.100 on online spends; 1 RP = Rs.0.20 (5 points = Rs.1). A reported June-2025 devaluation could lower this; unconfirmed officially	0.4%	—	₹480
All other spends	0.2%	—	₹240

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹500

Annual fee₹500

Annual fee waiverAnnual fee waived on minimum retail spend of Rs.50,000 in the previous anniversary year

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%

Annual spend	Benefit	Value
₹75,000	3 complimentary PVR tickets (or Rs.750 cashback) on annual spend of Rs.75,000	₹750

Unsecured card, no fixed deposit or collateral required
3 complimentary PVR tickets milestone benefit
2 RP/Rs.100 on online spends vs 1 RP/Rs.100 offline
1% fuel surcharge waiver
Digital card issuance via Kotak 811
Note: a separate secured 'Kotak811 #DreamDifferent' card (lifetime-free, against FD) also exists