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Kotak
entry
•••• •••• •••• 0000
811
VISAKotak Mahindra Bank • Visa• Entry
Annual Fee
₹500
Base Reward Rate
0.25%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
—
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,710
Blended 0.27% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Unsecured entry-level card. Interest 3.5%/month. ATM withdrawal fee Rs.300 per Rs.10,000. Lost card protection cover Rs.50,000. Welcome benefit (one-time): 500 bonus RP on Rs.5,000 spend within 45 days. Railway surcharge waiver 1.8% online IRCTC / 2.5% offline. Similar to Kotak 811 #DreamDifferent (secured LTF variant).