Fees read from issuer pageUpdated 2026-07-26
Kotak Mahindra Bank
Kotak 811 Credit Card
₹500 a year
LinePersonal
Joining feeNot stated
Annual fee₹500
Forex markupNot stated
Rewards, as stated by the issuer
- Milestone Program
- 500 bonus reward points on spending Rs.3,000 within 30 days of card set-up
- 2 reward points against every Rs. 100 spent online
- Earn 2 reward points for every Rs.100 spent online
- Earn 1 reward points for every Rs.100 spent offline
- Reward points will only be earned on utility spends up to ₹35,000 per statement cycle
- Reward Points will not be earned on transaction categories: Education, Wallet Loading, Fuel, Rent & Government, Insurance and Online Skill based Gaming
- Spend Rs.3,000 within the first 30 days of card issuance and receive 500 bonus reward points
- Milestone Spends Benefit
- With effect 01 st June 2025, spends under Utility, Education, Wallet Loading, Government, Insurance, Online Skill based Gaming, Fuel and Rent will not be considered while calculating milestone benefits
- Fuel transactions are not eligible to earn any Reward points
- Earn vouchers that can be redeemed on premium brands on meeting spend milestones
Other benefits
- Spend Rs.75,000/- in an anniversary year and get 3 complimentary PVR tickets
- Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends and 1 Mojo point for every Rs. 100 on other spends.
- Special introductory offer – Spend Rs. 30,000 within the first 60 days of setting up the Card and receive a voucher worth Rs. 1,500
Welcome & milestones
Welcome
- Welcome Benefit
Milestones
- Milestone Program
- 500 bonus reward points on spending Rs.3,000 within 30 days of card set-up
- 3 PVR Tickets on spending Rs.75,000 in the previous anniversary year
- Annual fee of Rs. 500 waived on spending Rs. 50,000 in the previous anniversary year
- Milestone Spends Benefit
- With effect 01 st June 2025, spends under Utility, Education, Wallet Loading, Government, Insurance, Online Skill based Gaming, Fuel and Rent will not be considered while calculating milestone benefits
- Earn vouchers that can be redeemed on premium brands on meeting spend milestones
Lounge access
No airport lounge rule is listed on this card's page.
Every fee line found on the page
- Annual fee waiver on retail spends of Rs. 50,000 in the previous anniversary year
- Save fuel surcharge waiver of 1% across fuel stations
- Annual fee of Rs. 500 waived on spending Rs. 50,000 in the previous anniversary year
- With effect from 01 st June 2025, 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.4,000. Avail of a maximum fuel surcharge waiver of Rs.3,500 in each calendar year.
- Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters.
- The maximum railway surcharge waiver that is allowed in a calendar year is Rs.500/-