Kotak 811

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Credit card simplified

Effortlessly get a credit card. Say goodbye to lengthy applications and paperwork

Movie Magic

Use the Kotak811 credit card and get free yearly PVR tickets

Fund your account now and earn upto 7%* interest p.a.

Open Kotak811 Savings A/c in just 3 mins

Rewards

Shop online with Kotak811 credit card for 2 reward points

811 Benefits

180+ features that let you carry out banking and do much more with just a few taps

*How ActivMoney works? & ActivMoney Terms and Conditions

Features of Kotak811 Credit Card

  1. Reward Points
    • Earn 1 reward point for every ₹100 spent offline
    • Earn 2 reward points for every ₹100 spent online
  2. Welcome Offer
    • Earn 500 Bonus Reward Points on spends of ₹5000 within the first 45 days of card issuance
  3. Annual Fee Waiver
    • Enjoy an annual fee waiver of ₹500 waived on annual spends of ₹50,000
  4. Milestone Benefit
    • Earn cashback of  ₹750 or 4 free PVR tickets on annual spends of ₹75,000
  5. Fuel Surcharge Waiver
    • Enjoy a 1% fuel surcharge waiver on transactions ranging between ₹500 and ₹3000. Maximum waiver of ₹3500 in a year
  6. Railway Surcharge Waiver
    • Save a railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum waiver of ₹3500 in a year
  7. Card Insurance cover
    • Enjoy cover of ₹50000 against fraudulent usage
  8. Safety features
    • Embedded EMV Chip lends an additional level of security

How to apply for a Kotak811 credit card during the 811 account opening journey?

Getting a credit card is now easier and quicker. Apply for your card online without any documentation while we set up your Kotak811 savings account. During the 811 account opening journey, give consent to check your CIBIL score and continue your account opening journey and we will check your eligibility for the card. Basis eligibility, on the Thank you page, you can complete the credit card application by submitting your employment details.

Features of Kotak811 #DreamDifferent Credit Card

  1. Reward Points
    • Earn 1 reward point for every ₹100 spent offline
    • Earn 2 reward points for every ₹100 spent online
  2. Activation Offer
    • Earn 500 Bonus Reward Points on card activation and spends of ₹5000 within the first 45 days of card issuance
  3. Interest Free Withdrawal
    • Enjoy interest free cash withdrawals of up to 90% of your total credit limit
  4. Balance Transfer
    • Easily convert your other credit card balance
  5. Fuel Surcharge Waiver
    • Enjoy a 1% fuel surcharge waiver on transactions ranging between ₹500 and ₹3000. Maximum waiver of ₹3500 in a year
  6. Railway Surcharge Waiver
    • Save a railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum waiver of ₹500 in a year
  7. 811 #DreamDifferent Shield
    • Enjoy cover of ₹50000 against fraudulent usage

What is a secured credit card?

A credit card issued against a fixed deposit is a secured credit card. It is ideal for people who are new to credit or have a low CIBIL score.

Why is an FD needed to get a credit card?

In case, your credit score doesn't match the eligibility criteria to issue an unsecured credit card, you can still get a credit card by opening a refundable fixed deposit account with us.

What are the benefits of a secured credit card?

  • You earn interest on the FD account
  • Use the credit card to avail exciting reward points
  • You can build your credit score

What are the features of a secured credit card?

  • Interest on the FD account
  • Availed credit limit is 90% of the FD amount
  • Reward points on credit card spend

Don’t have a CIBIL history or a Low CIBIL score?

Don’t worry, you can still get a Kotak 811#DreamDifferent credit card which is a card against the fixed deposit. You can open this account online without income proof or a salary slip. You can complete your credit card application online without any documentation. This card is against fixed deposit and you get a 90% credit limit. Why go for a Credit card against a fixed deposit? Get this card and use it at a regular frequency and pay your dues on time. It helps you to build your CIBIL score and improve your CIBIL score. A good CIBIL score helps you get unsecured credit cards and Loans. Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit limit of up to 80% of your fixed deposit amount and a free Credit Card for life - all with the Kotak811 #DreamDifferent Credit Card.

Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai, Maharashtra, 400051

What is a Zero Balance Savings Account?

A zero balance savings account is a type of savings account where account holders do not have to maintain any average monthly balance (AMB).

Why you should choose to open a zero balance bank account online?

  • No minimum average balance: Make the most of the no monthly average balance maintenance requirement.
  • Paperless account opening process: Choose the convenience of opening a zero balance account online within a few minutes - anytime, anywhere
  • Additional benefits: A free virtual debit card, and the option to apply for a credit card.
  • Digital payments: Make digital payments easily using NEFT, UPI, Scan & Pay.

Aadhaar Disclaimer:

Providing Aadhaar is voluntary. Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

ActivMoney Disclaimer:

Liquidated Dep2 for 25, 000 and liquidated in part for 15,000 from Dep1 to honour the cheque of 40, 000 as breaking of FD is done in multiples of 5,000. Dep2 will earn interest for 15 days at the applicable rate without penalty (on LIFO basis) as it exceeds 7 days which is minimum period required to be eligible for interest and 15,000 liquidated from Dep1 would earn eligible interest for 16 days.

Applicable for Resident Indian Individuals only w.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only. Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website https://www.kotak.com/en/home.html