Kotak 811 Credit Card

Free LTF entry-level card with fuel waiver

JOIN: LTF
ANNUAL: LTF
REWARDS: 0.25%
APR: 42.00% p.a.

VISA CREDIT Classic Plastic VIRTUAL OK

§ BENEFITS

rewards

Reward Points on All Spends

2 Reward Points per ₹200 spent on all retail purchases

2 RP per ₹200

fuel

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500–₹4,000

1% waiver

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹1,80,000
Min monthly salary: ₹15,000
Age: 21 – 65
Min credit score: 650
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: Lifetime free
Annual fee: Lifetime free
APR (monthly): 3.50% p.m.
APR (annual): 42.00% p.a.
Late payment fee: ₹800
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹250
Other bank free / month: 0
Other bank charge: ₹250
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: ₹100
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹500
Max txn: ₹4,000
Max waiver / cycle: ₹200
Networks: All

§ LIMITS

ATM / day: ₹10,000
POS + e-com / day: ₹50,000
Contactless / txn: ₹5,000
Contactless / day: ₹50,000

§ INSURANCE

Accidental death cover: —
Permanent disability: —
Air accident: —
Travel insurance: —
Baggage: —
Lost-card liability: ₹50,000
Purchase protection: —

§ REWARDS

Programme: Kotak Reward Points
Earn rate: 2 RP per ₹200
Point value: ₹0.25
Effective cashback: 0.25%
Min redemption: 100 pts
Expiry: 2 years from date of accrual

§ LOUNGE

Domestic: Not available
International: Not available
Domestic guests allowed?: No
International guests allowed?: No

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Kotak Mahindra Bank and earns no commission on applications.