Corroborated — 6 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.

#90 of 173 in credit

Kotak Mahindra Bank

Kotak 811 Credit Card

creditVisaPlatinum

Reward points on all spends; welcome benefits

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value18/100 · weight 65%

≈ 0.87% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility87/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

All fees shown base + 18% GST (India card fees legally attract GST).

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Category	Type	Rate	Cap	Notes
travel	points	2.00%(8 pts @ ₹0.25)	—	2% travel (estimated)
dining	points	2.00%(8 pts @ ₹0.25)	—	2% dining (estimated)
groceries	points	1.50%(6 pts @ ₹0.25)	—	1.5% groceries (estimated)
utilities	points	1.00%(4 pts @ ₹0.25)	—	1% utilities (estimated)
online_spends	points	0.50%(2 pts @ ₹0.25)	—	2% online (estimated)
all_spends	points	0.38%(1.52 pts @ ₹0.25)	—	Base earn rate
fuel	points	0.00%(0 pts @ ₹0.25)	—	1% fuel (estimated)

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

500 Bonus Reward Points on spends of ₹5,000 within the first 45 days of card issuance.