Kotak 811 Saving Account Review 2021 – Zero Balance Savings Account with Lifetime Free Credit Card

Kotak 811 Saving Account Review 2021 – Zero Balance Savings Account with Lifetime Free Credit Card

Kotak 811 Saving Account Review 2021 – Zero Balance Savings Account with Lifetime Free Credit Card

Kotak 811 is one of the most popular digital accounts to open online.

You can avoid the hassle of visiting the bank branch and save time that goes waste in the process of opening a traditional savings account.

It took hardly 20 minutes for me to open a Kotak 811 digital account online. The process was seamless and you need only your PAN card and Aadhaar card to open the savings account.

You get instant access to a virtual debit card on your 811 account opening. You can deposit money online and use the card immediately.

The USP of Kotak 811 account is a quick online account opening, zero balance account, and virtual debit card.

Earlier, Kotak Bank offered a 6% interest on all the savings bank accounts, but now you will get 4% interest on the Kotak savings account. Which is still higher than SBI, HDFC, ICICI and Axis Bank.

Let’s go into details of the Kotak 811 savings account review

Open Kotak Bank Account today, book an FD and apply for a lifetime free #DreamDifferent Credit Card

Explore 811 


811 Savings Account for Everyone

Kotak 811 is a zero balance digital bank account available to everyone (Resident Indian individuals only). Kotak 811 lets you choose between a zero balance account or an 811 Edge savings account based on your needs, which acts as a one stop solution for all your financial needs and day to-day transactions. The Kotak 811 account helps you save as well as grow your money with its varied investment offerings. The account also lets you transfer funds, pay bills and do more easily. 

Explore 811 Variants 

A Savings Account with 4%* interest p.a. and other reasons to love Kotak 811

Need help? Give us a call at 1860 2660 811 (local call charges apply) or check out our FAQs. FAQs

Get Interest On Your Balance

Avail up to 4%* interest per annum on your account balance.

Enjoy unlimited banking with zero paperwork

Paperless Savings Bank Account with Unlimited Features

Get the full-fledged award-winning 811 experience - with unlimited account validity and unrestricted deposits and spends. Just complete your Full KYC verification right from your home.

Important Features

  1. Minimum Balance: No charges or fine on non-maintenance of minimum balance. Now, spend your balance to the last rupee without any worry.
  2. Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping
  3. Transfer Money: Transfer money online for free and with easy
  4. New Age Banking: Find all your banking solutions in one single touch. Get 180 + features that let you carry out your banking transactions, pay bills, invest, shop and do much more with just a few taps. The app is secure with two-factor authentication and has an easy interface.
  5. Kotak dream different credit card : No paperwork required. No Joining & Annual Fee. Get 2X reward points on online spends!
Advantages of Full KYC Verification 

Join the 811 club today


No hidden charges, takes only 5 minutes.

Kotak 811 is a digital zero balance savings account that you can open online. The online savings account opening process is seamless, zero-contact and barely takes a few minutes. Just keep your PAN card & Aadhaar number handy and complete a few steps to open the instant savings account from the comfort of your home or office.

Kotak 811 is a zero balance saving account. This means that you don’t have to pay any penalties for not maintaining a minimum balance. In fact, you don’t have to maintain an average balance. However, if you do maintain a balance, you can earn higher than average interest on your savings and explore Fixed Deposits and other investment offers with us.

Kotak 811 is one of the best online savings bank account in India. Your 811 savings bank account is protected by the latest technology and you can open a savings account without any worry.

So, what are you waiting for? Open an online savings account with Kotak 811 and start banking with the best bank for savings account in India.


Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

How to get 811 #DreamDifferent Credit Card

  • Open an 811 account
  • Book a Fixed Deposit of minimum ₹15,000
  • Apply for Free Credit card

Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit limit of up to 80% of your fixed deposit amount and a free Credit Card for life – all with the Kotak 811 #DreamDifferent Credit Card.

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