Kotak 811 Saving Account Kotak811 is a fully Digital Savings Account. Below are the key features of your Kotak811 account. Open account instantly online Earn up to 3.5%* interest p.a. on your savings account balance No Minimum Balance required. Enjoy your Kotak811 Zero Balance account Kotak811 Account holders can avail free funds transfer online using NEFT or IMPS or RTGS. Shop online with ease using your Virtual Debit Card (VDC) or physical debit card. Request for your physical debit card through Net-banking or Mobile Banking App and get it for ?235 p.a. Ensure you have adequate balance to pay for the Physical Debit Card before you request one. Avail Scan and Pay** for your payments Seamless handling of your Kotak811 account through Kotak Mobile Banking App Open Your Account Now Know More About Product For Beying agent Watsup now Kotak Mahindra Bank AB P5 No deposit require Zero maintenance