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Kotak 811 #DreamDifferent Credit Card credit card
Visa

Kotak 811 #DreamDifferent Credit Card

No-fee rewards for everyday spenders

Annual fee₹0
Rewards0.10%Assumes 1 Reward Point = ₹0.10 via cashback/redemption (Kotak Rewards portal: mobile recharge, shopping, e-vouchers, movies, travel); value revised from ₹0.25 to ₹0.10 effective 01 June 2025; min 2,000 RP for cashback redemption
Forex markup—
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Rewards

    Fees & charges

    Joining fee
    ₹0 (Free)
    Annual / renewal fee
    ₹0

    Eligibility

    Available to existing Kotak 811 digital savings-account holders. Minimum ₹15,000/month salary credits or equivalent deposits recommended. Age 21–65. CIBIL 700+.

    Is this card worth it for you?

    ₹10,000₹5,00,000
    0% of spend100% of spend

    Remaining 80% of spend earns the 0.1% base rate.

    Rewards / year

    ₹720

    ≈ 0.12% effective

    Annual fee

    ₹0

    no published waiver

    Net steady-state return

    +₹720/year

    Roughly breaks even at this spend

    At ₹50,000/month, rewards and fee land within ₹720 of each other.

    Apply NowCheck Eligibility →
    See cards that fit ₹10,000/month →

    One-time welcome benefit — Product pages state "Enjoy exciting welcome benefits" but no specific value/trigger published first-hand

    Based on published rates as of 2026-08-07; assumes 1 Reward Point = ₹0.10 via cashback/redemption (Kotak Rewards portal: mobile recharge, shopping, e-vouchers, movies, travel); value revised from ₹0.25 to ₹0.10 effective 01 June 2025; min 2,000 RP for cashback redemption. Rewards estimates, not guarantees.

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    JoiningFREE
    Annual₹999/yr
    Reward0%
    No longer offered

    Kotak Mahindra Bank is no longer accepting applications for this card.

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