Kotak 811 Infinity Metal Debit Card – Unboxing & First Impressions

[Adityavikramsingh]

But if we put pressure now they may have provide decent solution but if we wait next year we will not have official stance then

 

[praful1947]

There is no change if you hold the super account by crediting Rs 5000 per month.

It's changed .

 

[SpaceBar]

It's changed .

Read the next link they sent updated TnC of Kotak 811 Infinity Metal Debit card.

 

[praful1947]

Read the next link they sent updated TnC of Kotak 811 Infinity Metal Debit card.

I received email few hrs back

 

[SpaceBar]

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It may be for new customers otherwise I doubt the benefits fits for the charge they ask.

 

[praful1947]

No it is changing for all from oct

It may be for new customers otherwise I doubt the benefits fits for the charge they ask.

 

[SpaceBar]

No it is changing for all from oct

Then next year, I will not pay for sure or go for plastic card. Except metal, the benefits are same without zero forex.

 

[safetorpedo2]

Will be closing this account before renewal 🙂🙏

 

[Adith]

There is no change if you hold the super account by crediting Rs 5000 per month.

Annual fees is now 999 instead of 399, so when renewal comes, im spending more.

 

[Adith]

I want to also file a complaint share a draft when you do so we can do the same

Already sent an email once i recieved the official update in my inbox .

Dear Kotak Team,

I opened my 811 Super Savings Account (ending XXXX) in July 2025 with the required ₹81,100 deposit, based on the clear promise on your website (Infinity Metal Debit Card page, June 2025 - https://www.kotak811.com/debit-cards/infinity-metal-debit-card ) that:

• Issuance fee ₹4,999 → Waived with 811 Super.
• Annual fee ₹999 → Waived with 811 Super.
• Only charge applicable: Super 811 annual fee ₹399 (per June 2025 GSFC).

However, today (29-08-2025), I received an email from Kotak titled “Important changes related to your Kotak811 Account” stating that effective Oct 2025:

• Super 811 + Normal Debit Card = ₹399 annually
• Super 811 + Infinity Metal Debit Card = ₹999 annually

This is nothing but a backdoor reintroduction of the ₹999 fee that was explicitly promised as waived, and it directly contradicts the terms communicated when I opened my account.

This is:

1. Mis-selling – I was induced to deposit ₹81k based on the “zero annual fee” assurance.
2. Discriminatory – Metal DC holders are penalized with ₹600 more annually than other Super 811 customers.
3. Unfair practice – Terms at the time of account opening are being retroactively altered.

I seek resolution on the following:

• Reinstate the waiver for existing Metal DC customers who joined under the earlier offer.
• Provide written confirmation that no hidden/restructured charges will be imposed going forward.

If not resolved, I will be constrained to escalate this matter under the RBI Integrated Ombudsman Scheme for mis-selling and unfair fee practices.

PFA :

1. Screenshot of your Infinity Metal DC page that clearly says Fees is waived for Super 811 account holder
2. June 2025 GSFC

Regards,

 

[praful1947]

Already sent an email once i recieved the official update in my inbox .

Dear Kotak Team,

I opened my 811 Super Savings Account (ending XXXX) in July 2025 with the required ₹81,100 deposit, based on the clear promise on your website (Infinity Metal Debit Card page, June 2025 - https://www.kotak811.com/debit-cards/infinity-metal-debit-card ) that:

• Issuance fee ₹4,999 → Waived with 811 Super.
• Annual fee ₹999 → Waived with 811 Super.
• Only charge applicable: Super 811 annual fee ₹399 (per June 2025 GSFC).

However, today (29-08-2025), I received an email from Kotak titled “Important changes related to your Kotak811 Account” stating that effective Oct 2025:

• Super 811 + Normal Debit Card = ₹399 annually
• Super 811 + Infinity Metal Debit Card = ₹999 annually

This is nothing but a backdoor reintroduction of the ₹999 fee that was explicitly promised as waived, and it directly contradicts the terms communicated when I opened my account.

This is:

1. Mis-selling – I was induced to deposit ₹81k based on the “zero annual fee” assurance.
2. Discriminatory – Metal DC holders are penalized with ₹600 more annually than other Super 811 customers.
3. Unfair practice – Terms at the time of account opening are being retroactively altered.

I seek resolution on the following:

• Reinstate the waiver for existing Metal DC customers who joined under the earlier offer.
• Provide written confirmation that no hidden/restructured charges will be imposed going forward.

If not resolved, I will be constrained to escalate this matter under the RBI Integrated Ombudsman Scheme for mis-selling and unfair fee practices.

PFA :

1. Screenshot of your Infinity Metal DC page that clearly says Fees is waived for Super 811 account holder
2. June 2025 GSFC

Regards,

This 999 will be deducted from next year.

Inko fir se RBI ban karega

 

[praful1947]

Those who were opening account for metal Debit card

 

[Z_S]

Already sent an email once i recieved the official update in my inbox .

Dear Kotak Team,

I opened my 811 Super Savings Account (ending XXXX) in July 2025 with the required ₹81,100 deposit, based on the clear promise on your website (Infinity Metal Debit Card page, June 2025 - https://www.kotak811.com/debit-cards/infinity-metal-debit-card ) that:

• Issuance fee ₹4,999 → Waived with 811 Super.
• Annual fee ₹999 → Waived with 811 Super.
• Only charge applicable: Super 811 annual fee ₹399 (per June 2025 GSFC).

However, today (29-08-2025), I received an email from Kotak titled “Important changes related to your Kotak811 Account” stating that effective Oct 2025:

• Super 811 + Normal Debit Card = ₹399 annually
• Super 811 + Infinity Metal Debit Card = ₹999 annually

This is nothing but a backdoor reintroduction of the ₹999 fee that was explicitly promised as waived, and it directly contradicts the terms communicated when I opened my account.

This is:

1. Mis-selling – I was induced to deposit ₹81k based on the “zero annual fee” assurance.
2. Discriminatory – Metal DC holders are penalized with ₹600 more annually than other Super 811 customers.
3. Unfair practice – Terms at the time of account opening are being retroactively altered.

I seek resolution on the following:

• Reinstate the waiver for existing Metal DC customers who joined under the earlier offer.
• Provide written confirmation that no hidden/restructured charges will be imposed going forward.

If not resolved, I will be constrained to escalate this matter under the RBI Integrated Ombudsman Scheme for mis-selling and unfair fee practices.

PFA :

1. Screenshot of your Infinity Metal DC page that clearly says Fees is waived for Super 811 account holder
2. June 2025 GSFC

Regards,

Now i am with @Adith and request all other TF members to continue and just copy the mail and send it to all the three levels that this is a clear case of contradiction to your terms and i am sure that they will be having effect of this mail, as if one person do mail then there is not much problem for bank,but if 100's of customers mail for same query and solution then they will be obliged to do something in our favour and if no solution then closure then i am damn sure banks will look into it...

So just mail to all the three levels,its time for our TF community to show some unity on it, as we show when something new is launched in the market in same way start doing mail Lotak wil surely do something in our favour..🙏

 

[KLB@96]

Now i am with @Adith and request all other TF members to continue and just copy the mail and send it to all the three levels that this is a clear case of contradiction to your terms and i am sure that they will be having effect of this mail, as if one person do mail then there is not much problem for bank,but if 100's of customers mail for same query and solution then they will be obliged to do something in our favour and if no solution then closure then i am damn sure banks will look into it...

So just mail to all the three levels,its time for our TF community to show some unity on it, as we show when something new is launched in the market in same way start doing mail Lotak wil surely do something in our favour..🙏

Share the email ID's also,