Want a Credit Card? Open Kotak 811 Zero Balance Savings Account - Kotak Mahindra Bank
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Getting your own credit card is a special joy! If you don’t have one yet, Kotak 811 #DreamDifferent Credit Card can be your first credit card.

Here are many advantages of using a credit card. It can help you shop conveniently, build your credit history, avail offers, enjoy interest-free credit of up to 48 days, and lots more! Kotak 811 #DreamDifferent Credit Card is an ideal credit card option for individuals who don’t have a credit card.

What is a Kotak 811 #DreamDifferent Credit Card?

Kotak 811 #DreamDifferent Credit Card is a secured credit card that you can avail against a Fixed Deposit (FD).

Kotak 811 #DreamDifferent Credit Card is a feature-rich credit card.

Check out some of features of the Kotak 811 Credit Card:

  1. You can link an existing Fixed Deposit (FD) or open a new FD and link it with the Kotak 811 #DreamDifferent Credit Card. The minimum FD amount you need to book to avail the credit card is Rs. 10,000. The Bank will link your FD to your credit card. So, you won’t be able to withdraw your linked FD without closing your credit card.
  2. It comes with a credit limit of up to 80% of your FD. This means that the minimum credit limit is Rs. 8,000. The maximum credit limit of the card is Rs. 12 lakhs.
  3. It is a free-for-life credit card with no joining fee or annual fee.
  4. Apply easily for the credit card online on Kotak Bank’s mobile banking app. The process is entirely paperless. You will get the card within 7–10 working days at your communication address.
  5. You can select the credit limit of your Kotak 811 Credit Card. Remember, the maximum credit limit is 80% of your FD amount.
  6. You don’t have to provide any income proof while applying for the Kotak 811 Credit Card. So, homemakers, students and self-employed individuals can easily apply for the credit card without worrying about furnishing income proof.
  7. It gets better — the card comes with an activation offer where you can earn 500 bonus reward points after card activation and by spending Rs. 5000 within the first 45 days.
  8. You can earn 2 reward points for every Rs. 100 spent on online purchases, and one reward point for every Rs. 100 spent on offline purchases.
  9. The card can also come in handy during emergency situations. You can withdraw cash up to 90% of your total credit limit without any interest for up to 48 days on cash advance. A processing fee of Rs. 300 is charged per Rs. 10,000 of cash withdrawal.
  10. Your linked FD will continue to fetch the current interest rate on your deposit. So, the longer you use the card, the higher interest income you will earn on your deposit.

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Want to get the card but don’t have a Kotak account? No problem! Now you can open a zero balance digital savings account and apply for the credit card during the account opening process online.

Kotak 811 is a zero balance savings account that you can open online from the comfort of your home. It doesn’t have any Average Monthly Balance (AMB) requirement. After completing the video KYC of the account, you can apply for the Kotak 811 #DreamDifferent Credit Card from your Kotak Bank mobile banking application.



Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website www.kotak.com

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.