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Kotak 811 Infinity Metal Debit Card – Unboxing & First Impressions

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Do you need to maintain ₹82k balance in the account for life, or is it just same as the 811 Super Savings' ₹5k deposit which we can withdraw right after depositing?
 
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Finchamp! said:
Hey everyone,


I wanted to share my unboxing experience of the Kotak 811 Visa Infinite Metal Debit Card, especially since I couldn’t find any detailed thread about it on the TechnoFino community. If there's already one floating around, feel free to merge this post with it!


Why I Opted for This Card​

Simple – I got an amazing deal.


The Kotak 811 Super Savings A/C comes with a subscription fee of ₹300. Once subscribed, you're eligible for various debit cards with different fee structures. The basic card is lifetime free, while this premium metal card normally comes at an issuance fee of ₹4,999 + GST and an annual fee of ₹999 + GST.


However, a Kotak 811 representative reached out with a limited-time offer: if I opened a Kotak 811 Super Savings A/C with a minimum deposit of ₹82,000, I’d get the metal card completely free for life. I confirmed the offer in writing, applied immediately, and received the card in 4–5 working days. No charges applied so far!




​

Unboxing the Card​


The kit was delivered via Blue Dart—so no drama there.

It came in a deep red / wine coloured envelope, which, unfortunately, I couldn’t photograph—my 3-year-old got to it before I did! Inside was a sleek, matte-finish rectangular box that looked premium.

View attachment 97822

Opening the box revealed a metallic silver casing -

View attachment 97823

This silver encasing contain a small booklet with features of the card/ A/C -

View attachment 97824

View attachment 97825


The key features are enlisted as under, for ease of reading -
  1. 4 complimentary domestic lounge accesses per year
  2. 0% forex markup
  3. 5% cashback (up to ₹500/month) on eligible spends (Note: This may be tied to the account, not the card itself. Check this thread: https://www.technofino.in/community/threads/kotak-bank-811-super-savings-account-benefits-important-update-🚨-🚨.31516/ for more info)
  4. ₹750/month discount on Zomato
  5. ₹300/month discount on BookMyShow
  6. 2.5% fuel surcharge waiver
  7. Dedicated customer care support
  8. High transaction limits: ₹4L daily for spends, ₹1.5L daily ATM withdrawal

​

And, the card itself..​


which was a 17 gram metal debit card - easily one of the more elegant and premium-looking cards issued in India. The craftsmanship is top-notch. Here’s how it looks -

View attachment 97826View attachment 97827

Trust me..pictures don't do justice!

One standout feature: it includes your Customer Relationship Number (CRN) on the card itself. A small but super useful addition—it saves the back-and-forth with the app while talking to customer support.


Final Thoughts​

This card has some serious utility, especially as a fuel card. It can fetch you a benefit of up to 7.5% on fuel purchase (5% cashback + 2.5% surcharge waiver), without tying you to any petrol company. Be it IOCL, BPCL, HPCL - the discount is the same. Of course, the other perks—like lounge access and concierge support—just add to the value. Overall, I’m genuinely impressed.


Looking forward to your thoughts!
Click to expand...
Can you share the offer mail here?

And the representative's contact details in DM?
 
Finchamp! said:
Hey everyone,


I wanted to share my unboxing experience of the Kotak 811 Visa Infinite Metal Debit Card, especially since I couldn’t find any detailed thread about it on the TechnoFino community. If there's already one floating around, feel free to merge this post with it!


Why I Opted for This Card​

Simple – I got an amazing deal.


The Kotak 811 Super Savings A/C comes with a subscription fee of ₹300. Once subscribed, you're eligible for various debit cards with different fee structures. The basic card is lifetime free, while this premium metal card normally comes at an issuance fee of ₹4,999 + GST and an annual fee of ₹999 + GST.


However, a Kotak 811 representative reached out with a limited-time offer: if I opened a Kotak 811 Super Savings A/C with a minimum deposit of ₹82,000, I’d get the metal card completely free for life. I confirmed the offer in writing, applied immediately, and received the card in 4–5 working days. No charges applied so far!




​

Unboxing the Card​


The kit was delivered via Blue Dart—so no drama there.

It came in a deep red / wine coloured envelope, which, unfortunately, I couldn’t photograph—my 3-year-old got to it before I did! Inside was a sleek, matte-finish rectangular box that looked premium.

View attachment 97822

Opening the box revealed a metallic silver casing -

View attachment 97823

This silver encasing contain a small booklet with features of the card/ A/C -

View attachment 97824

View attachment 97825


The key features are enlisted as under, for ease of reading -
  1. 4 complimentary domestic lounge accesses per year
  2. 0% forex markup
  3. 5% cashback (up to ₹500/month) on eligible spends (Note: This may be tied to the account, not the card itself. Check this thread: https://www.technofino.in/community/threads/kotak-bank-811-super-savings-account-benefits-important-update-🚨-🚨.31516/ for more info)
  4. ₹750/month discount on Zomato
  5. ₹300/month discount on BookMyShow
  6. 2.5% fuel surcharge waiver
  7. Dedicated customer care support
  8. High transaction limits: ₹4L daily for spends, ₹1.5L daily ATM withdrawal

​

And, the card itself..​


which was a 17 gram metal debit card - easily one of the more elegant and premium-looking cards issued in India. The craftsmanship is top-notch. Here’s how it looks -

View attachment 97826View attachment 97827

Trust me..pictures don't do justice!

One standout feature: it includes your Customer Relationship Number (CRN) on the card itself. A small but super useful addition—it saves the back-and-forth with the app while talking to customer support.


Final Thoughts​

This card has some serious utility, especially as a fuel card. It can fetch you a benefit of up to 7.5% on fuel purchase (5% cashback + 2.5% surcharge waiver), without tying you to any petrol company. Be it IOCL, BPCL, HPCL - the discount is the same. Of course, the other perks—like lounge access and concierge support—just add to the value. Overall, I’m genuinely impressed.


Looking forward to your thoughts!
Click to expand...
What is the name of this account variant ?
 
What wll happen if cancel the subscription of kotak super after 1 year?
Cause the way they are inspecting every transaction i think all benefits will be gone by the year. Will they charge dc fees as you are not a super customer?
 
Finchamp! said:
It's not a subscription fee that you have to pay - it's a fee that gets auto-deducted after completion of one year. In case you do not maintain balance then KMBL will downgrade your AC.
Click to expand...
After downgrade what will happen with the debit card annual fees i am asking. Cause in terms conditions it is said for kotak super users debit card is free. Not for normal 811 user . That is what i asked
 
SnowLucifer said:
After downgrade what will happen with the debit card annual fees i am asking. Cause in terms conditions it is said for kotak super users debit card is free. Not for normal 811 user . That is what i asked
Click to expand...
Either (1) all features of the metal card will be discontinued, retaining only those similar to the 811 Basic Debit Card, or (2) your metal card will be blocked and replaced with the 811 Basic Debit Card. In either case, the metal card shall not continue in all its glory.
 
Finchamp! said:
Either (1) all features of the metal card will be discontinued, retaining only those similar to the 811 Basic Debit Card, or (2) your metal card will be blocked and replaced with the 811 Basic Debit Card. In either case, the metal card shall not continue in all its glory.
Click to expand...
How did you take written confirmation of LTF debit card ? Through email or something else ?
 
Is there a plastic version of the same card (not metal) that has the same features (inc 0% forex), but is potentially cheaper in terms of annual fee?

Kotak's site has practically 0 information on these cards.
 
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