Card Image
Kotak 811
Annual Fee
FREE
Rewards/₹100 ⓘ
₹1.00
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
600+
At a Glance
Key Benefits
Lifetime free, 1% cashback, instant approval
Lounge Access
No lounge access
Eligibility
Kotak 811 account holders, Age: 18+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹1.00
#190
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
600+
#8
Min Monthly Income ₹20
Network VISA
Late Payment Fee ₹300
Reward Structure
Base
All Spends
₹1.00 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned5
Cash Value₹5
Breakdown
Other Spends5
Total Value₹5
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Quick Analysis
The Kotak 811 is a straightforward lifetime free credit card from Kotak Mahindra Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
Is Kotak 811 truly lifetime free?
Yes, zero joining and annual fee for lifetime.
Who can apply for Kotak 811?
Anyone with a Kotak 811 savings account.
What cashback does it offer?
1% cashback on all spends, capped at Rs 500 per month.
How fast is approval?
Instant digital card issuance for eligible customers.
Is there lounge access?
No lounge access on 811 card.
User Reviews
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