811

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811 Credit Card from Kotak is a similar to 811 Dream Different Card except that this an unsecured credit card.  It comes with beautiful card design which is very appealing!!!

Features

Welcome Benefit

    • 500 RP on spends of 5000 within 45 days of card setup. 

    • 2 Reward Point for Online spends.  1 RP for other spends.

    • 1% Fuel Surcharge waiver (Max 3500/year).  Also avail Railway surcharge fee at IRCTC Website and at counters. 
    • No reward points for fuel and railway spends. 

Milestone Benefit

    • Enjoy 750 cashback for spends of 75000 annually, that is benefit of 1%.  Available within 3 months of anniversary. 
    • Alternative you can redeem for 4 PVR tickets once you are eligible. 

Fee

  •  Joining or Annual Fees:500+GST
  • Annual fees are waived on annual spends of 50000.

Eligibility

  • FD of Rs. 5000 for 811 customers. Rs 9000 for others.

Verdict 


Usual Card type nothing special. But simple and neat reward structure.  Provides decent returns of 1- 1.5% if you can spend 75000 annually which gives optimal returns. There are better entry levels cards in the market. 

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