Kotak 811 Infinity Metal Debit Card – Unboxing & First Impressions

[kohinoor]

I've sent to pno@kotak.com
k.vora@kotak.com
k.vora2@kotak.com
nodalofficer@kotak.com
grievanceredressal.bankaccount@kotak.com
grievanceredressal.others@kotak.com
ceo@kotak.com

mailed to all these 👍

 

[Adith]

Can I use the this mail bro? Will change a bit.

Ofcourse, please do. That's why I shared it in the first place after removing personal information.

 

[badg3rbyte]

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,

Could you please share the attachments as well here?

 

[badg3rbyte]

Got this rn, anyone able to figure out what the changes are? Y'all must have received it tooView attachment 108246

As per the new TnC

1. 10k monthly credit is needed to maintain super program.
2. Does not mention that issuance fee is waived off on 81.1k funding. Just says - if opted for metal card with 81.1k funding, then super program fee is 999. I assume that next year, those who has metal card will gave to pay 999.
3. Annual fee of metal card is "waived off". But since super is 999, effective annual fee of card will be 600.

I'll also complain, since we agreed on 399.