All cards / Kotak Mahindra Bank
Kotak Mahindra Bank
Kotak 811 Credit Card
Visa
Kotak 811 Credit Card
Kotak's unsecured, no-income-proof-friendly entry card (distinct from the FD-backed 811 #DreamDifferent) — no joining fee, a modest easily-waived annual fee, and a PVR ticket milestone, aimed at first-time cardholders.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- 🛍️ Shopping
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, plus railway surcharge waiver
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 500 bonus reward points on spending ₹5,000 within 45 days of card issuance
- 1% fuel surcharge waiver, plus railway surcharge waiver
- 3–4 complimentary PVR movie tickets on ₹75,000 annual spend
Pros
- + No joining fee
- + Accessible income requirement for an unsecured card
- + PVR ticket milestone benefit
Cons
- − No reward points on fuel purchases
- − Reward rate is unremarkable outside online shopping