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.

 

[abhiaj_geek]

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.

They did the metal card holders very bad

 

[SteveJobs]

Do customers who onboarded in July/Aug also need to deposit 10K per month from Oct onwards?

 

[rajarancho]

Do customers who onboarded in July/Aug also need to deposit 10K per month from Oct onwards?

Everyone is included.

 

[badg3rbyte]

Do customers who onboarded in July/Aug also need to deposit 10K per month from Oct onwards?

Seems so. Personally, I don't have much issue with this since I'll be spending 10k from this debit card.
I have to confirm this metal card extra charge. The TnC sentence framing is a bit confusing. Grammar or spelling mistakes 🤷.
A doubt I have is that if they meant 999 is only for first year. If so, then I don't think any complaint to Kotak or RBI will be valid since they're revising the terms for new users.
Idk if calling customer care will be of any use.
If anyone gets any response over email, do share here.

 

[SteveJobs]

Seems so. Personally, I don't have much issue with this since I'll be spending 10k from this debit card.
I have to confirm this metal card extra charge. The TnC sentence framing is a bit confusing. Grammar or spelling mistakes 🤷.
A doubt I have is that if they meant 999 is only for first year. If so, then I don't think any complaint to Kotak or RBI will be valid since they're revising the terms for new users.
Idk if calling customer care will be of any use.
If anyone gets any response over email, do share here.

I re-read the TnC and your interpretation also seems valid since they didn't mention 'per year' for 999 unlike they did for Rs 399/year.

 

[vaibhav111vaibhav111 is verified member.]

Was thinking to get this dc metal for a while but then it kotak so been watching from far. Just adding metal to collection was the goal. So not sure if it good idea or not.