Kotak Rozana Credit Card

Community Verdict

[!NOTE] Card Update: The original Kotak Rozana Credit Card has been merged into the Kotak 811 Credit Card on the live Kotak website (July 2026). All fees, rewards, milestones and exclusions below reflect the current live Kotak 811 Credit Card. The product identity has changed from “Rozana” (daily) to “811” (Kotak’s digital banking brand), but the underlying fee structure (₹500/₹500) and reward rates (1 RP/₹100 offline, 2 RP/₹100 online) match the legacy Rozana card. Existing Rozana cardholders continue to be serviced.

The Kotak 811 (formerly Rozana) is a low-fee entry-level Visa with a straightforward earn structure. The headline 2 RP per ₹100 online is decent for a sub-₹1,000 annual fee card, but the reward yield drops sharply once you redeem as statement credit: ₹0.10/RP means ₹0.20 back per ₹100 online spend. The cashback redemption value was cut from ₹0.25 to ₹0.10 effective 1 June 2025, so voucher redemption is now meaningfully better than cashback.

Pros

• ₹500 Annual Fee — Low Cost: One of the cheaper Visa cards in India; reversed on just ₹50,000 annual retail spend
• Annual Fee Easily Waived: ₹50,000 anniversary year retail spend is achievable for most cardholders (~₹4,167/month)
• 2 Reward Points per ₹100 Online: Reasonable online earn rate for an entry-level card; ₹0.50 voucher value per ₹100 spend (or ₹0.20 cash)
• 1 Reward Point per ₹100 Offline: Standard offline earn rate — ₹0.25 voucher value per ₹100 spend
• 500 Bonus Reward Points on ₹3,000 Spend in 30 Days: Welcome benefit worth ₹125 via voucher redemption
• 3 Free PVR Tickets on ₹75,000 Anniversary Year Spend: Solid milestone — tickets worth up to ₹400 each (₹1,200 value)
• ₹3,500/Year Fuel Surcharge Waiver: 1% off fuel transactions between ₹500–₹3,000 — useful if you drive regularly
• Kotak Rewards Marketplace: Redeem via kotakrewards.com across mobile recharge, 10,000+ shopping products, e-vouchers, BookMyShow movies and travel
• Pay-by-Points: Convert points to statement credit at partner merchants via Kotak’s pay-by-points platform
• ₹50,000 Fraud Liability Cover: Zero-liability policy for unauthorized transactions
• Railway Surcharge Waiver: Up to ₹500 per anniversary year on railway ticket bookings

Cons

• No Airport Lounge Access: Zero domestic or international lounge visits — pure entry-level Visa
• Cashback Cut from ₹0.25 to ₹0.10/RP (Effective 1 June 2025): Statement credit redemption lost 60% of its value
• 2,000 RP Minimum for Cashback: You can’t redeem statement credit until you accumulate 2,000 reward points
• ₹99 Redemption Fee Per Request: Each statement credit or voucher redemption carries ₹99 + GST — eats into small balances
• Heavy Reward Exclusions: Fuel, Wallet Load, Rent, Education, Government, Insurance, and Online Skill-based Gaming earn ZERO reward points
• Utility Capped at ₹35,000 per Statement Cycle: Earn rewards only up to ₹35,000 in utility spend per cycle; spend beyond that earns nothing
• Milestone Categories Excluded (Effective June 2025): Utility, Education, Wallet Load, Government, Insurance, Skill-based Gaming, Fuel and Rent do NOT count toward the ₹75,000 anniversary milestone
• 3.5% Forex Markup: High foreign transaction fee — not a card for international use
• Welcome Bonus of Only 500 RP: Worth ₹125 via voucher — modest compared to HDFC or ICICI welcome offers
• PVR Tickets Capped at ₹400 Each: Premium formats (IMAX, Gold Class) require out-of-pocket payment
• 3-Month Claim Window for Milestone Tickets: PVR tickets must be claimed within 3 months after anniversary year ends or you forfeit them

Reward Spends & Categories

The Kotak 811 (Rozana) Credit Card earns Kotak Reward Points across retail categories with exclusions on high-frequency spend types. Here’s the complete structure:

Category Spend	Earning Rate
✈️ Online Shopping	2 RP per ₹100 (~0.5% voucher value, ~0.2% cash)
🛒 Offline / Retail Spends	1 RP per ₹100 (~0.25% voucher, ~0.1% cash)
🍽️ Dining	1 RP per ₹100
🏨 Travel & Hotels	1 RP per ₹100
🛍️ Departmental Stores	1 RP per ₹100
💡 Utility Bill Payments	1 RP per ₹100, capped at ₹35,000 per statement cycle
⛽ Fuel Transactions	0 RP (1% fuel surcharge waiver applies)
💳 Wallet Loads	0 RP
🏠 Rent Payments	0 RP
📚 Education	0 RP
🏛️ Government Spends	0 RP
🛡️ Insurance	0 RP
🎮 Online Skill-based Gaming	0 RP

[!IMPORTANT] Reward exclusions: Fuel, Wallet Load, Rent, Education, Government, Insurance and Online Skill-based Gaming earn zero reward points. Utility rewards are capped at ₹35,000 per statement cycle. Effective 1 June 2025, Utility, Education, Wallet Load, Government, Insurance, Skill-based Gaming, Fuel and Rent also do NOT count toward milestone spend calculations.

Reward Point Redemption Value

Kotak Reward Points are managed through the Kotak Rewards platform. The redemption value was cut effective 1 June 2025:

Redemption Channel	Value of 1 RP	Minimum
📱 Mobile Recharge	₹0.25	None
🛒 Shopping Catalog (10,000+ products)	₹0.25	None
🎟️ E-Vouchers / Brand Vouchers	₹0.25	None
🎬 Movies (BookMyShow)	₹0.25	None
✈️ Travel Bookings	₹0.25	None
💸 Statement Credit / Cashback	₹0.10	2,000 RP

[!CAUTION] Effective 1 June 2025, cashback (statement credit) redemption value was revised from ₹0.25 to ₹0.10 per RP. Always redeem via vouchers, mobile recharge or shopping catalog at ₹0.25/RP — that’s 2.5× the cash value. A ₹99 + GST fee applies per redemption request, and 2,000 RP minimum is needed for cashback.

Airport Lounge & Travel Perks

Type	Access	Guest	Spend Gate
Domestic Airport Lounges	None	—	—
International Lounges	None	—	—

The card has no airport lounge access at all — it’s an entry-level Visa focused on retail rewards. The “lounge-style” benefit is the 3 free PVR tickets on milestone, which are cinema tickets, not airport lounges.

Annual Milestones

Spend Threshold	Period	Benefit	Value
₹3,000 retail	First 30 days	500 bonus reward points	~₹125 voucher
₹75,000 retail	Anniversary year (excludes utility/education/wallet/govt/insurance/skill gaming/fuel/rent)	3 free PVR tickets	Up to ₹1,200
₹50,000 retail	Anniversary year	Annual fee waived	₹500

[!TIP] Stack the milestones: if you spend ₹75,000 in the anniversary year (excluding the milestone-excluded categories), you hit the PVR milestone AND the annual fee waiver simultaneously. That’s ₹1,200 in PVR tickets plus ₹500 fee reversal — ₹1,700 in real value on a ₹50,000 spend. Just remember to claim the PVR tickets within 3 months after the anniversary year ends.

Annual Fees & Charges

• Joining Fee: ₹500 + GST
• Annual Fee: ₹500 + GST (waived on ₹50,000 retail spend in anniversary year)
• Renewal Fee: ₹500 + GST
• Forex Markup: 3.5% per foreign currency transaction
• Cash Withdrawal Fee: ₹500 per cash advance
• Card Replacement Fee: ₹100
• Reward Redemption Fee: ₹99 + GST per redemption request
• Fuel Surcharge: 1% (waived on ₹500–₹3,000 transactions, max ₹3,500/anniversary year)
• Railway Surcharge Waiver: Up to ₹500 per anniversary year

Data Verification

• Verification Tier: LIVE_VERIFIED
• Editorial Feeds: Kotak Mahindra Bank official website — 811 Credit Card features, fees, milestone program, rewards redemption
• Last Status Update: July 4, 2026
• Key Revisions: Cashback revised from ₹0.25 to ₹0.10/RP and milestone exclusions expanded effective 1 June 2025

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For official terms, interest rates, and applications, refer to the Bank Reference Page.

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