Kotak 811 review

The monthly fee is INR 0, so holding the account costs nothing each month. The site median for this measure is €0, and the highest monthly fee across the brands compared is €99. On this measure the account sits at the free end of the range.

It is a debit card, with the card type listed as debit. Spending comes straight from the balance held in the account, so there is no borrowing and no interest to pay on the card. The monthly fee of INR 0 is the only charge recorded.

The network is visa, so the card is accepted wherever that network is accepted. Across the brands compared, visa makes up 58.6% of cards, the largest share on the site. The card type is debit, which sets where the money comes from when you pay.

Yes. The feature list for the account includes a virtual card (virtual card), which is useful for online payments and for holding a card number that is not on a physical piece of plastic. It sits alongside a monthly fee of INR 0, so the virtual card adds no charge of its own.

It suits people who want a card for everyday payments and do not want a monthly charge for holding it, since the fee is INR 0. It is a debit, so it lines up with anyone spending money already in the account rather than borrowing.

Wise lists a monthly fee of £0 and the Chime Card lists $0, so Kotak 811 at INR 0 is level with them. The site median for this measure is €0 and the top of the range is €99, so the free end is where most cards sit.

The listed alternatives are credit cards rather than debit cards. The Varo Believe Secured Credit Card has a monthly fee of $0 and the Chime Card a monthly fee of $0. Kotak 811 is a debit, so it spends the balance in the account and does not build a credit record.

Kotak 811 ranks 1 of 419 brands on monthly fee, ahead of the cards that charge for holding an account. The overall score is 6 and the cost part is 6, so the fee is the strong point and the rest of the offer needs weighing.