Credit Cards · Honest Review
Kotak 811 #DreamDifferent Credit Card
Kotak Mahindra Bank · Visa
Your Verdict
- ✓Lifetime free secured credit card backed by a fixed deposit
- ✓4 reward points per 100 spent online, 1 point per 100 offline
- ✓1,000 milestone voucher on 72,000 annual spend
- ✓1% fuel surcharge waiver up to 3,500/year
- ✓Easy approval for those with limited or no credit history
What Kotak 811 #DreamDifferent Credit Card costs you
Kotak 811 #DreamDifferent Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
Kotak 811 #DreamDifferent Credit Card earns 1.00% on all eligible spends as a base reward rate. There are no additional category-specific multipliers. Each reward point is worth ₹0.2 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
3 months OTTPlay subscription at 1 and a 250 Woohoo voucher on spending 1,000 within the first 30 days
Reward types: Points · Cashback
Beyond the reward rate
The non-reward benefits on Kotak 811 #DreamDifferent Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Kotak 811 #DreamDifferent Credit Card
Kotak 811 #DreamDifferent Credit Card does not have a published minimum income requirement. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | Not specified |
| CIBIL score | Not specified — clean history expected |
| Age range | 18–75 years |
| Employment type | Salaried & self-employed |
| Typical approval time |
Secured card; requires a fixed deposit of at least 10,000 for a minimum tenure of 181 days. No income proof required since it is FD-backed.
Who should (and shouldn't) get Kotak 811 #DreamDifferent Credit Card
- → First-time cardholders who want zero-cost entry
- → Users with concentrated spending in a single category who want a specialised card
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
Kotak 811 #DreamDifferent Credit Card — Questions answered
Is Kotak 811 #DreamDifferent Credit Card free for life?
What is the minimum income required for Kotak 811 #DreamDifferent Credit Card?
What reward rate does Kotak 811 #DreamDifferent Credit Card offer?
Does Kotak 811 #DreamDifferent Credit Card provide airport lounge access?
How long does it take to get Kotak 811 #DreamDifferent Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.