All About Kotak 811 Credit Card

Ever wished you could just tap and go, without fumbling for change or punching in PINs? With the Kotak 811 Credit Card, that is exactly what you get! 

Fast, contactless payments up to ₹5,000 using Visa payWave. Your card never leaves your hand and makes each transaction safer and quicker. Built with layered security, it is not just convenient, it is smart, secure and designed for your on-the-go lifestyle.

Kotak 811 Credit Card Benefits and Features 

1. Earn 2 Kotak 811 Credit Card reward points per ₹100 on online spends, 1 point offline, plus 500 bonus points on ₹3,000 spent in 30 days. Reward points can be redeemed across various categories.
2. Spend ₹75,000 within one year and receive 3 complimentary PVR movie tickets, perfect for cinema lovers.
3. Benefit from a 1% fuel surcharge waiver on transactions ranging between ₹500 and ₹4,000, with a maximum waiver limit of ₹3,500 per year.
4. Receive a railway surcharge waiver of up to ₹500 annually on bookings made through IRCTC or at railway counters.
5. Convert significant purchases into convenient EMIs, helping you manage big-ticket expenses easily.
6. You can also apply for add-on cards for family members, with the ability to set personalised spending limits.
7. Comes with an EMV chip and a 6-digit PIN verification system for advanced protection against card-related fraud and skimming

Note: No reward points are earned on utility, fuel, and education transactions made through third-party apps.

Kotak 811 Credit Card Charges and Fees 

Looking for a credit card without high fees? Apply for a lifetime-free FD-backed credit card via the Stable Money app.

Kotak 811 Credit Card Eligibility Criteria

1. The primary cardholder must be between 18 and 75 years old.
2. Add-on cardholders must be 18 years or older.
3. A minimum fixed deposit of ₹10,000 is required.
4. Only individual term deposits (TDs) are permitted.
5. Applicants must be residents of India.
6. NRI customers can apply only through offline channels.

Modes to Apply for the Kotak 811 Credit Card

1. Via Kotak Mobile Banking App: Log in, go to the credit cards section, and follow the steps to apply. You will need to open or link a fixed deposit.
2. Through the Kotak Website: Visit the <a href="https://www.kotak.com/en/home.html" target="_blank" rel="nofollow noopener noreferrer">official site</a>, fill out the application form, and complete KYC digitally.
3. At a Bank Branch: Visit your nearest Kotak Mahindra Bank branch for an assisted application.
4. NRI Customers: Must apply offline through branch banking only.

Documents Required for Kotak 811 Credit Card Application

1. Identity Proof: Aadhaar, PAN, driving licence, voter ID, or passport.
2. Address Proof: Utility bill, driving licence, voter ID, passport, ration card, etc.
3. Fixed Deposit Details: Must book an individual FD of at least ₹10,000.

Note: FD backing is mandatory for the secured card.

The Kotak 811 Credit Card not only simplifies your spending but also builds your credit score over time, thanks to its secured FD backing. With zero annual fees and lifetime validity, it is an excellent choice for first-time cardholders seeking both flexibility and financial discipline.

No credit score? No problem. Get quick access to FD-backed credit cards with Stable Money with easy approval and zero hassle! Download the app and apply instantly.