Card eligibility requirements
✔️ Be an adult between the ages of 18 and 65
✔️ Must be an Indian citizen and resident
✔️ Maintain a minimum Fixed Deposit (FD) of ₹15,000
✔️ Reside in a city where the card is available
Know the fees associated with the Kotak 811 card
With membership and annual fees applicable in certain cases, this credit card offers convenient financial solutions. Users benefit from up to ₹300 in transaction assistance for withdrawals, transfers, and other banking operations. Additional perks include:
↪ 1.8% waiver on railway surcharge
↪ 1% fuel surcharge waiver at fuel stations when using the Kotak 811 Credit Card
These features make the card both cost-effective and user-friendly.
Step-by-step guide to get your Kotak 811 card
✔️ Register with Kotak if you don’t already have an account
✔️ Locate the credit card section on the official website or app
✔️ Click “Apply Now” after reading all the card details
✔️ Enter your phone number, complete the form, and upload the required documents for verification
✔️ Wait for approval—Kotak will reach out once your application is accepted
✔️ Your card will be delivered to your registered address within 7–10 business days
Drawbacks of using the Kotak 811 card
✔️ Low reward rate
✔️ Limited fuel and railway benefits
✔️ Higher processing fees
✔️ Rewards only apply after hitting certain spending milestones
✔️ No lifestyle-related perks or privileges
Stay updated with the required documents
To apply for the Kotak Mahindra Credit Card, submit the following documents:
✔️ Proof of income for self-employed individuals (business financials and tax returns)
✔️ Salary proof for salaried individuals (salary slips, employment letter, and pay stubs)
✔️ Address verification (ration card, Aadhaar card, or passport)
✔️ Identity verification (PAN card, government-issued ID, or driver’s license)