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Kotak 811 Dream Different Credit Card Credit Card
Kotak Mahindra Bank · Entry level
Lifetime free card; choose your credit limit; build credit score.
- Joining fee
- ₹424
- Annual fee
- Free
- Waiver spend
- –
- Forex markup
- 2%
Fee waiver
No annual fee, so nothing to waive.
Work it out for this card
How the app counts rewards
- 2% cashback in cycles with Rs 15,000+ eligible spend (Rs 100 max per transaction)
No rewards on fuel, insurance, rent, wallet loads.
Who can apply
Needs a Kotak fixed deposit of Rs 10,000 to Rs 20 lakh; no income proof or credit score needed
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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