Eligible spend
2 points per ₹100 on eligible spend
KOTAK VISA
811 #DreamDifferent
Should you get this?
Conditional fit
Trade-off
Forex markup is 3.5%, so this can get expensive for frequent international spends.
Card fees ₹250 to join From year 2 · no renewal fee
Rewards 2 pts / ₹100
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank ACE →
Closest alternative from the same pricing or usage lane.
What it costs to get, and to keep
Joining vs renewalFirst year
₹250joining fee
From year 2
No renewal fee
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward pointsNot stated
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Realisation
Credited as reward points
Costs & fees
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~1,000 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- We can estimate the points earned, but not a verified ₹ value yet.
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Points per ₹100
- 2 points per ₹100 value depends on redemption
Insurance Cover
- Lost card liability cover
- ₹2.5 lakh
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹0
- Joining fee
- ₹250 · verified 4 Jul 2026
- Interest-free period
- Up to 51 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Kotak official page
- CardInsider
- PaisaBazaar
- BankBazaar
- Stable Money
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹0.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Joining fee is one-time; no recurring annual fee. Check GST and whether benefits require separate eligibility.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Forex markup bands
0% vs 3.5% — which cards publish what - Cashback vs points
When simple cash beats flashy miles