Kotak 811 #DreamDifferent Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on online transactions)
Overview
Kotak 811 #DreamDifferent Credit Card by Kotak Mahindra Bank provides premium value tailored for Entry Level/Digital cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on online transactions)
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on offline retail transactions)
- • Accelerated Rewards: Double reward points on online retail shopping with zero minimum threshold
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
500 bonus Reward Points on spending ₹5,000 within first 45 days; Qualification Criteria: Spend ₹5,000 within 45 days; Fulfillment Timeline: 45 days
Milestone Benefit
Spend ₹75,000 (Annual): ₹750 direct cashback or 4 free PVR movie tickets on ₹75,000 annual spend; Annual Fee Waiver: Lifetime Free unconditionally with zero joining and annual charges
Redemption
Kotak Rewards catalog for vouchers, recharge, and statement cash credit at 1 RP = ₹0.25
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month)
- 48 Days Interest-Free ATM Cash: Withdraw cash up to 90% of credit limit with up to 48 days interest-free period for only a ₹100 processing fee. (Unmatched liquidity for emergencies) [Partners: Kotak ATMs]
Things to Know Before you apply
Kotak 811 #DreamDifferent Credit Card Eligibility Criteria
- Age: 18–75 years
- Zero income proof required — 100% approval backed by Kotak 811 Fixed Deposit (min FD ₹5,000)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Flat ₹100 processing fee with up to 48 days interest-free period |
Fee waiver: Lifetime Free unconditionally with zero joining and annual charges
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Kotak 811 #DreamDifferent Credit Card issued by Kotak Mahindra Bank is one of India's leading credit cards for Entry Level/Digital spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on online transactions)
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 500 bonus Reward Points on spending ₹5,000 within first 45 days
- • Qualification Criteria: Spend ₹5,000 within 45 days
- • Fulfillment Timeline: 45 days
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Min ₹15,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualifying period
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on online transactions)
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on offline retail transactions)
- • Accelerated Rewards: Double reward points on online retail shopping with zero minimum threshold
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on online transactions)
- • 1 Reward Point per ₹100 (1 Reward Point per ₹100 on offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions