Want to have a credit card?

Yes... I know having a credit card is beneficial in this digital age. A credit card gives you different deals and offers which you'll like a have. Kotak Mahindra bank gives reward points, PVR movie tickets, etc on spending money using the credit card.

Sounds interesting right?

Let’s get started.

This answer is also applicable to Non-811 savings account users.

Does Kotak 811 Provide Credit Card?

Yes, Kotak Mahindra Bank also provides credit card for 811 zero balance account users. But only to "Full KYC Kotak 811 account" holders as it is similar to a real savings account.

In order to upgrade lite and limited kyc accounts, you've to complete the Kotak 811 kyc process.

Read: How to Do Kotak 811 KYC & Which Documents Are Required?

What is Credit Card?

A credit card is a plastic money which you can use to pay bills, do online transactions on various e-commerce platforms and withdraw money from ATMs. You can do these 3 main things with a credit card. 

Now the question arises how we get credit card? 

A bank usually gives you credit card based on your salary, CIBIL score (It is determined by your credit history of loans, other earlier credit cards, etc).

The money which you get in credit card is not your own money it is the money of common people like you who deposited that money in the bank. And now the bank gives that money to the credit card users in the form of small loans and charges interest to them.

What is the Eligibility to Apply for Kotak 811 Credit Card?

I had a similar query earlier like you and no information was available on this topic. So, I wrote an email to the Kotak Mahindra Bank. And the screenshot is below.

email sent to kotak for 811 credit card

And they did reply to my query.

With reference to your email, the minimum eligibility criteria for the credit card is as follows;

  • The primary cardholder should be in the age bracket of 21 years to 65 years. Add-on Cardholder should be 18 years and above.
  • Location – Ahmedabad, Bangalore, Chennai, Delhi, (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune.
  • Cardholder should be resident of India.

In short, you should be resident of India and your age should in the age bracket of 21 years to 65 years as you'll be the primary cardholder.

If you're confused between a Primary Cardholder and Add-on Cardholder. Read the below two articles.

There are many types of Kotak credit card which Kotak Mahindra bank provide depending upon your eligibility and needs.

According to my knowledge, the bank will give credit card to 3 types of people listed below.
  1. A salaried person with income proof
  2. A Self-employed who fills Income tax returns
  3. A person who has minimum 25,000 INR FD/TD in their Kotak 811 account
If you satisfy the minimum eligibility and fits into any one of the 3 types then probably you'll be eligible to apply for a credit card.

Kotak 811 Credit Card Charges & Limits

Credit cards are of various types and their charges, limits also vary according to the card type. Before applying or after getting the credit card you can check the different charges & limit associated with that card.

You can watch this video to get a general idea about different types of credit card charges a bank charge.

How to Apply for Kotak 811 Credit card

Kotak 811 credit card

Follow these steps to apply for Kotak 811 credit card.
  1. Open Kotak 811 & mobile banking app
  2. Scroll down and spot "Apply Now" section
  3. In that section, click the "credit card" option
  4. Now it will ask to enter 6 digit mpin, enter that and login into the account
  5. It will redirect to apply now page
  6. In this page, the app will ask this question: Are you an existing Kotak customer? since you've Kotak 811 account you're an existing customer so, click yes
  7. Now you've to enter your CRN number and the registered mobile number and click proceed
  8. You'll receive an OTP to your registered mobile number
  9. Enter the OTP in the popup box
  10. Further app will ask contact details and net income per month
  11. Fill the details and hit proceed
  12. After that app will suggest credit cards based on your income
  13. Choose the credit card type according to your needs and click get this card button
  14. Now app will ask for more personal and educational information, enter the details and hit proceed
  15. Now credit card will get applied and you'll be given an application reference number, down below that you need to upload some documents for income proof
  16. Upload the document and hit finish to complete the process

Keep the application reference number safely so that you can track the application status in the future. After completing the application process a bank representative will contact you regarding the credit card.

OR SMS KCARDS to 5676788 from your registered mobile and they will call you back.

How to Track Kotak 811 Credit Card Application Status

You can send SMS with the below shortcode to 5676788 or 997 105 6767 to know the application status:

K CCAPP < your 13 digit Application Number >

How to Generate Free Kotak 811 Virtual credit card for One-time Use

Actually, virtual credit card is not the real name of the card its name is Kotak netcard. It is used as a one-time digital/virtual card to shop online at any merchant website which accepts visa cards.

Kotak 811 virtual credit card netcard

Follow these steps to generate the virtual credit card:

  1. Login into Kotak Netbanking website then you'll receive a dynamic access code to completely login into the netbanking home tab
  2. Enter the dynamic access code, now you'll be redirected to netbanking dashboard
  3. In the netbanking dashboard, you'll see different tabs like home, banking, insurance, credit card, debit card, etc.
  4. Click more tab then a drop menu will show up
  5. After that find and click the netcard option
  6. A new tab will get open in your browser and you'll receive an OTP in your registered mobile number
  7. Enter the OTP and click submit
  8. Now have to enter the name (This name will appear in the card ), virtual card limit (Min. INR 100 and Max. INR 50,000) and click GO
  9. Now, Your net card will get generated and ready to use

Take the screenshot or a photo of the virtual netcard. This virtual card will get expired within 24-48 hours. If you don't want to use this virtual card you can cancel the card and the available virtual card balance will be transferred to your account.


This is my knowledge about Kotak 811 Mahindra credit card.

Hope you got your answer. If any queries related to this topic is unanswered you can down below I'll be glad to help you.