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KOTAK CARD
02/28
KOTAK CARD
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Kotak 811 #DreamDifferent Credit Card

VisaLifetime Free

Kotak 811 #DreamDifferent is a lifetime-free credit card with 2% cashback on online spends and 1% on other purchases.

Best for: Online shopping and everyday spend with zero annual fee
Annual Fee
Free
Finance Charge
3.5% /mo
Forex Markup
3.5%
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Welcome Benefit

No joining fee, no welcome benefit.

Fees & Charges

Joining Fee₹0
Annual FeeLifetime Free
Renewal Fee₹0
Add-on Card Fee₹0
APR (Annual)45%
Finance Charge3.5% per month
Interest-Free DaysUp to 48 days
Cash Advance Fee2.5% (min ₹500)
Overlimit Fee2.5% of overlimit (min ₹500)

Rewards & Earn Rates

Program: Kotak Reward Points (cashback) · 1 point = ₹0.25

CategoryEarn Rate
Online Spends2% cashback on online spends
All Other Spends1% cashback on other spends

Monthly cashback capped as per category. Overall monthly cap ₹1,000.

Points expire after 24 months

Milestone Benefits

₹1,00,000
annual

Annual fee of ₹0 is reversed on spending ₹1,00,000 or more in the preceding year.

Value: ₹0

Spend calculated from card anniversary date. All eligible transactions counted.

Lifestyle Benefits

✓

E-commerce Partner Offers

Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.

via Flipkart / Amazon / Myntra

Value: ₹1,200

Insurance Cover

lost_card_liability

In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.

Zero liability on fraudulent transactions reported within 7 days

Zero Liability

Forex & Fuel

Forex Markup3.5%
Fuel Surcharge Waiver1% waiver
Monthly Cap₹100
Fuel Reward Rate1% fuel surcharge reversed. Standard reward points earned on fuel as per base rate.

Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.

Eligibility

Age21+ years – up to 65 years
Credit Score700+

Must have a Kotak 811 savings account. Age: 18–65.

Editor Rating

3.8
3.8
Overall
Rewards
4.3
Fees
4.5
Lounge
2.0
Travel
3.0
Shopping
4.5
Fuel
3.5
Beginner Friendly
4.5

Pros

  • + No points conversion – direct cashback
  • + Simple and transparent earning structure
  • + Wide partner acceptance

Cons

  • – Monthly cashback cap limits earnings for high spenders
  • – Benefit may reduce over time with offer changes

The Kotak 811 #DreamDifferent Credit Card is a entry-level credit card from Kotak Mahindra Bank offering direct cashback on everyday spends. With no annual fee, it offers strong value for money.

Frequently Asked Questions

What is the annual fee for the Kotak 811 #DreamDifferent Credit Card?▼
The card is lifetime free with no annual fee.
How do I redeem reward points on the Kotak 811 #DreamDifferent Credit Card?▼
Reward points can be redeemed via the bank's net banking portal or mobile app against flight/hotel bookings, statement credit, product catalogue, or transfer to partner loyalty programs. Minimum redemption thresholds apply.
What is the interest-free credit period?▼
You get up to 48 interest-free days from the date of transaction, provided you pay the full outstanding balance by the due date every month.
What happens if I miss the payment due date?▼
A late payment fee will be charged as per the bank's slab: Nil for statement balance up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹950 for ₹10,00... Additionally, finance charges of 3.5% per month will apply on the outstanding balance.
Is the card accepted internationally?▼
Yes, this card carries the Visa/Mastercard/RuPay network and is accepted at millions of merchants globally. A foreign currency markup fee applies on international transactions.