How to Apply for a Kotak Bank Credit Card

Everyone wants to find a credit card that does not load you up with a ton of fees. The best example of this is a Kotak Bank Credit Card.

There are a lot of different types of Kotak Bank Credit Card offerings for you to choose from and in this article, we will discuss further about the Kotak 811 Credit Card and its amazing features and benefits.

Stick around and check out the article for more information and learn how to apply for t his amazing credit card.

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Kotak 811 Credit Card Benefits and Features

This Kotak Bank Credit Card offers a myriad of benefits and features to its cardholder.

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It is the perfect entry-level card for those who want to venture into owning a credit card and earn reward points with the best value.

Check out the features and benefits of the Kotak 811 Credit Card below.

Earn Rewards Points

The Kotak 811 Credit Card allows you to earn reward points every time you use the card to spend online.


When you spend Rs.100 online, you get 2 reward points whereas you only get 1 reward point for every Rs.100 that you spend offline.

This is an amazing way to encourage you to shop online instead of using the card elsewhere without having to restrict you to shopping exclusively online.

Redeem Your Rewards

Once you have enough reward points from your transactions, you can instantly redeem your points at partner stores and use the points to pay for your transaction.


If the reward points are not enough to pay for the entire transaction, they will immediately be deducted from your cash or credit card.

This is by far the most convenient way to redeem your reward points without having to calculate everything. Take note that only the primary cardholder can redeem the points.

Welcome Bonus

Cardholders can enjoy a welcome bonus of 500 reward points after spending Rs.5,000 within the next 45 days of activating the card.

This is one of the most valuable rewards that you can get upon getting the approval as the reward points can be used to cover the charges that are incurred on your card.

Contactless Payments with Visa PayWave

With the Kotak 811 Credit Card, you can now easily pay using the card for your offline transactions.

Simply wave the credit card on the reader and it will confirm the transaction without having to enter your PIN.

It is a fast, safe, and secure way to do transactions, reducing the risk of your credit card information being stolen or used for other fraudulent activities.

Other Features You Can Enjoy with the Kotak Bank Credit Card

There are still so many features that you can enjoy with the Kotak 811 Credit Card.

There is a fuel surcharge of 1% when reaching transactions between Rs.500 and a maximum of Rs.3,500.

You can also get cashback of Rs.750 when you spend up to Rs.75,000 or you can choose to get four free PVR tickets.

Interest Rates and Other Charges

Kotak 811 Credit Cardholders will have to pay a joining fee of Rs.500 and an annual fee of the same amount every year.

You can have your annual fee waived if you can spend up to Rs.50,000 every year. There is also a foreign transaction fee that is 3.5% of the total transaction value.

The cash advance fee is Rs.300 per Rs.10,000. There will also be an interest fee of 3.5% for purchases every month or 42% per year.

Eligibility and Requirements to Apply for the Kotak 811 Credit Card

If you are interested in applying for the Kotak 811 Credit Card, you must be eligible for the credit card first.

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Applicants must be 18 to 65 years old to apply for the card. Any add-on cardholder must also be 18 years and above.

You must be a resident of India and you will need to pay Rs.200 for the application processing. You will also get card insurance coverage of up to Rs.50,000 against fraud.

Apart from the eligibility requirements, you will need to submit your latest payslip, Form 16, passport, Ration Card, electricity bill, and many others.

Contact Details

If you have inquiries about the application process or you want to receive updates regarding your application, you can contact their customer service with the number - 00 91 22 6600 6022.

You can also visit their main office address at Kotak Infiniti, 4th Floor, Building No. 21, Infinity Park, Off Western Express Highway, General A.K. Vaidya Marg, Malad (East), Mumbai 400 097.

How to Apply for the Kotak Bank Credit Card

Applying for this Kotak Bank Credit Card should be very easy to follow. You can either apply at any nearby Kotak Bank branch.

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If you don't know the location of any Kotak Bank branch, you can visit their official website and use the Locate Us feature to find one.

Speaking of the website, you can also apply through their website. Here is how you can apply for a Kotak 811 Credit Card online.

Step 1

Check the official website and look for Kotak 811 under the Credit Card menu.

It should lead you to the homepage of the specific credit card that you want to apply.

Step 2

Review all the information on the card including the features, benefits, eligibility as well as the terms and conditions before you continue.

Once done, click on Apply Now.

Step 3

Fill out the online application form with your details and make sure that everything is correctly spelled.

You will also need to upload the required documents for the card. Check everything before you submit.

Step 4

You will need to wait for a couple of business days for their approval. You can call the customer service number for updates if it has been days and you have not received any information.

Once approved, you should receive your new credit card by mail at the address you used during your application. Don't forget to activate your card before using it.


There are a lot of amazing benefits waiting for you once you apply for this amazing Kotak Bank Credit Card. Don't forget to take advantage of all the perks that you gain when you have this card.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

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