Kotak 811 Credit Card
Digital-first credit card with instant approval
Annual Fee
₹500
Online Cashback
4%
Instant Approval
3 Minutes
Key Features & Benefits
4% Online Cashback
Earn 4% cashback on online shopping (up to ₹2,000 per month)
1% Base Cashback
Get 1% cashback on all other purchases
Instant Approval
Get approved in just 3 minutes with digital process
Lifetime Free
No annual fee for Kotak 811 account holders
Digital First
Complete paperless application and instant delivery
Welcome Bonus
₹1,000 cashback on spending ₹3,000 in first 60 days
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Online Shopping | 4% | ₹2,000 per month |
| All Other Spends | 1% | No cap |
Cashback Credit: Monthly statement credit
Minimum Cashback: No minimum limit
Cashback Validity: Lifetime validity
Special Benefits
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
E-commerce Offers
Exclusive deals on Amazon, Flipkart, and other platforms
Advanced Security
Chip & PIN technology with fraud protection
Mobile App
Easy management through Kotak mobile banking app
Fees & Charges
Annual Fee
₹500
Joining Fee
Nil
Fee Waiver
Free for 811 account holders
Interest Rate
3.35% per month
Cash Advance Fee
2.5% (Min ₹500)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-65 years
- Minimum Income: ₹15,000 per month (Salaried)
- Minimum Income: ₹1,80,000 per annum (Self-employed)
- Credit Score: 650+ (preferred)
- Kotak 811 account preferred
- Good credit history
Required Documents
- PAN Card (mandatory)
- Aadhaar Card
- Income proof (if required)
- Bank statements (minimal documentation)
- Digital selfie for verification
- Employment details (online form)
Pros & Cons
✅ Pros
- High online shopping cashback (4%)
- Instant approval in 3 minutes
- Lifetime free for 811 customers
- Good base cashback rate (1%)
- No joining fee
- Digital-first approach
- No minimum cashback redemption
❌ Cons
- Limited to online shopping for bonus rate
- Monthly cap on 4% cashback
- No airport lounge access
- Basic insurance coverage
- Annual fee for non-811 customers
- Limited premium benefits
Apply for Kotak 811 Credit Card
Perfect For
- ✅ Online shopping enthusiasts
- ✅ Digital-savvy users
- ✅ Kotak 811 account holders
- ✅ Quick approval seekers
- ✅ First-time applicants