Open Online Zero Balance Savings Account

In just few minutes you can get a Kotak811 Zero Balance Account

kotak 811 account
Kotak 811 

Top features of Zero Balance Digital Savings Account:

Zero Balance | Free Virtual Debit Card | Up to 4% interest p.a. | Free Digital Payment | Credit Card for all basis Fixed Deposit

811 Digital Savings Account is for everyone

Are you looking to open a new zero balance account online? Now, open a digital savings account using Aadhaar Card, PAN Card along with other details.

Kotak 811 is a digital zero balance savings account that can be opened online by everyone (Resident Indian individuals only). Kotak 811 Digital Savings Account lets you apply for a zero balance savings account or an 811 Edge Digital savings account based on your needs, which acts as a one-stop solution for all your financial needs and day-to-day transactions.

Apply for Kotak 811 Zero Balance Savings account and grow your money by booking a Fixed Deposit of a minimum of ₹10,000. The digital savings account also lets you transfer funds, pay bills and do more easily.

Open Zero Balance Savings Account Online | Kotak 811

Zero Balance Savings account up to 4%* interest p.a. along with other benefits.

Need help? Give us a call at 1860 2660 811 (local call charges apply)

Virtual Debit Card

Get your card number instantly with a Virtual Debit Card & start transacting & paying online.

No Maintenance Fees

Don’t worry about maintaining a minimum account balance. Your 811 account has zero charges for non-maintenance of balance.

Get Interested In Your Balance

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

Scan And Pay

Why use cash or cards when you can scan and pay for your bills & purchases?

Award-Winning Services

Experience Kotak 811 and know why it has received awards and accolades in the world of banking.

Benefits of 811 Zero Balance Savings Account with Unlimited Features

Get the full-fledged award-winning 811 experience - with unlimited account validity and unrestricted deposits and spends. Complete your KYC verification of your Zero Balance Savings Account right from your home.

Kotak 811 Features

  1. Minimum Balance: As it is a zero balance saving account, there are no charges or fines for non-maintenance of the 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 ease from your 811 digital savings account.
  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. Open a digital account online without any restrictions: Complete your verification through Video KYC and open digital savings account without any restrictions.
  6. 811 #DreamDifferent Credit Card: Apply for Zero Balance Account and you can apply for 811 #DreamDifferent Credit Card without paperwork or joining & an annual Fee. Get 2X reward points on online spending!

How do apply for a Credit card during the 811 account opening?

Getting a credit card is now easier and quicker. Apply for your card online without any documentation while we set up your 811 savings account.

During the 811 accounts opening journey, give consent to check your CIBIL score and continue your account opening journey and we will check your eligibility for the card.

Basis eligibility, on the Thank you page, you can complete the credit card application by submitting your employment details.

Open Zero Balance Savings Account Online | Kotak 811

Don’t have a CIBIL history or a Low CIBIL score?

Don’t worry, you can still get a Kotak 811#DreamDifferent credit card which is a card against the Fixed Deposit. You can open this account online without income proof or salary slips.

You can complete your credit card application online without any documentation. This card is against fixed deposit and you get a 90% credit limit.

Why go for a Credit card against a fixed deposit? Get this card and use it at a regular frequency and pay your dues on time. It helps you to build your CIBIL score and improve your CIBIL score. A good CIBIL score helps you get Unsecured credit cards and Loans.

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.


Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website

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