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Fee & Other Parameters	Kotak 811 Credit Card
Joining Fees	₹500
Annual Fees	₹500
Joining Fee Waiver	NA
Annual Fee Waiver (2nd Year Onwards)	₹50,000 in an Anniversary Year
Add on Card Fees	₹200
Interest Charges on outstanding Balances	3.5% (Annualized Rate - 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Advance Fees	2.5% of Advance amount subject to minimum of ₹500
Late Payment Charges ("LPC")	Due as per last statement LPC Charges
<₹100 ₹0
₹ 100 – ₹500 ₹100
₹ 501 – ₹5,000 ₹500
₹ 5,001 – ₹10,000 ₹600
₹ 10,001-₹25,000 ₹800
₹25,001-₹50,000 ₹1,000
>₹50,000 ₹1,200
Over Limit Charge	₹500
Cheque Bounce Charges	2% of Bounce amount,subject to minimum of ₹500
Auto Debit Return/Standing Instructions Failure Charges	2% of Bounce amount,subject to minimum of ₹450
Foreign Currency Mark Up Fees	3.5% of Transaction Amount
Cash Payment Charges	₹100
Card Replacement Fees	₹100 per card issuance
Image Card Fees	₹99 per card image
Rental Payment Charges	1% of Transaction Amount levied for all transactions done on MCC 6513
Credit Limit Increase Charges	₹100
Railway Booking Surcharge (1.8%/2.5% of Transaction Amount)	Waived*
Fuel Surcharge (1% of Transaction Amount)	Waived**
Note: GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on the Credit Card. Save Railway Surcharge of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum Railway Surcharge Waiver allowed in a calendar year is Rs. 500/- *Fuel Surcharge Waiver applicable for transactions done in range of ₹500-₹3,000. Maximum Fuel Surcharge Waiver allowed in a year is ₹3,500

Fee & Other Parameters

Kotak 811 Credit Card

Joining Fees

₹500

Annual Fees

₹500

Joining Fee Waiver

Annual Fee Waiver (2nd Year Onwards)

₹50,000 in an Anniversary Year

Add on Card Fees

₹200

Interest Charges on outstanding Balances

3.5% (Annualized Rate - 42%)

Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)

MAD can be 5% or 10% of TAD as decided by the Bank

ATM Cash Advance Fees

2.5% of Advance amount subject to minimum of ₹500

Late Payment Charges ("LPC")

Due as per last statement LPC Charges

<₹100 ₹0

₹ 100 – ₹500 ₹100

₹ 501 – ₹5,000 ₹500

₹ 5,001 – ₹10,000 ₹600

₹ 10,001-₹25,000 ₹800

₹25,001-₹50,000 ₹1,000

>₹50,000 ₹1,200

Over Limit Charge

₹500

Cheque Bounce Charges

2% of Bounce amount,subject to minimum of ₹500

Auto Debit Return/Standing Instructions Failure Charges

2% of Bounce amount,subject to minimum of ₹450

Foreign Currency Mark Up Fees

3.5% of Transaction Amount

Cash Payment Charges

₹100

Card Replacement Fees

₹100 per card issuance

Image Card Fees

₹99 per card image

Rental Payment Charges

1% of Transaction Amount levied for all transactions done on MCC 6513

Credit Limit Increase Charges

₹100

Railway Booking Surcharge (1.8%/2.5% of Transaction Amount)

Waived*

Fuel Surcharge (1% of Transaction Amount)

Waived**

Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on the Credit Card.

*Save Railway Surcharge of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum Railway Surcharge Waiver allowed in a calendar year is Rs. 500/-

**Fuel Surcharge Waiver applicable for transactions done in range of ₹500-₹3,000. Maximum Fuel Surcharge Waiver allowed in a year is ₹3,500

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