The Kotak 811 Credit Card is a digital-first credit card designed for tech-savvy consumers and frequent online shoppers. With its easy application process, rewarding structure, and straightforward fee waivers, this card is ideal for those who want to maximize value on online spends and convert large purchases into affordable EMIs.

• Spend Rs.3,000 within the first 30 days of card issuance and receive 500 bonus reward points

• Earn 2 reward points for every Rs.100 spent online.
• Earn 1 reward points for every Rs.100 spent offline.
• Reward Points will not be earned on transaction categories: Education, Wallet Loading, Fuel, Rent & Government, Insurance and Online Skill based Gaming.

• Spend Rs.75,000/- in an anniversary year and get 3 complimentary PVR tickets
• spends under Utility, Education, Wallet Loading, Government, Insurance, Online Skill based Gaming, Fuel and Rent will not be considered while calculating milestone benefits

• Fuel Surcharge Waiver : 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.4,000. Avail of a maximum fuel surcharge waiver of Rs.3,500 in each calendar year.

• Annual fee of Rs. 500 waived on spending Rs. 50,000 in the previous anniversary year.

The Kotak 811 Credit Card is best suited for frequent online shoppers and digital-first users who want to maximize rewards on digital transactions. Its easy fee waiver, milestone cashback, and fuel surcharge waiver make it a practical and rewarding choice for everyday spending.

• Best for: Online shoppers, digital payment users, and those who want to convert large purchases into EMIs.
• Annual Fee Waiver: Achievable with ₹50,000 annual spend.
  
• Reward Redemption: Points can be redeemed for vouchers, merchandise, or statement credit.
  
• Lounge Access: Not available.
  

No international lounge access or comprehensive insurance benefits.

• Redeem reward points for gift vouchers, merchandise, or statement credit.
• Use milestone cashback and fuel surcharge waivers for added savings.

• Individuals who shop frequently online and want to maximize rewards.
• Digital payment users who value a seamless digital experience.
  
• Those who want to convert large purchases into affordable EMIs.
  
• Consumers who want a straightforward, rewarding credit card with easy fee waivers.

The Kotak 811 Credit Card is a smart, digital-first credit card for online shoppers and digital payment users. With its generous online rewards, easy fee waivers, and practical benefits, it delivers excellent value for everyday digital spends.

• Maximize rewards by using the card for all eligible online transactions.
• Plan your annual spends to qualify for the annual fee waiver and milestone cashback.
• Redeem your reward points and cashback promptly for best value.
  
• Take advantage of fuel surcharge waivers for added savings.

Digital-first cards like Kotak 811 make online and EMI spends feel effortless, but fee-waiver targets and movie milestones can quietly push you beyond your planned budget if dues are not cleared in full each month. If 811 and other card outstandings, EMIs, or rolling balances are beginning to strain your cash flow, CashOn.cards’ CDMS can help you consolidate credit card obligations, design a realistic repayment plan, and regain control over your overall credit card debt before it escalates.