Joining Fee:
₹500 +GST
Return Percentage:1% to 2%
Credit Card Overview
A Kotak 811 card designed for digital-first customers, offering cashback on online payments, milestone benefits, and lifestyle rewards.
Best Suited For: Cashback
Kotak
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 42% p.a.
- Add-on card
- ₹200
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak Kotak 811 credit card — Earn Categories
Everyday rate
- Base Rewards1 Kotak Rewards / ₹100
1% charge on this category
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Education
- Online Gaming
- Rent
- Fuel
- Wallets
- Utilities