Kotak Mahindra Bank
Kotak 811 Dream Different Credit Card
Best for lifetime-free, beginners
Lifetime free
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
Not published
Min. income
Not published
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹0.15 lakh/yr · CIBIL 650+
Reward cap
No explicit cap
Welcome benefit
4 PVR tickets or ₹750 cashback on ₹75,000 annual spend
Who is this for
- Fee-averse spender
- First-time cardholder
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Lifetime free |
| Forex markup | Not published | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹500 and ₹3,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1 RP per ₹100 offline; 2 RP per ₹100 online | No explicit cap | 1 RP = ₹0.25 |
Benefits
-
Domestic lounge access
None
-
International lounge access Highlight
None
-
Milestone benefits Highlight
4 PVR tickets or ₹750 cashback on ₹75,000 annual spend
-
Fuel surcharge waiver
1% on transactions ₹500-₹3,000; max ₹3,500/year
Eligibility
- Age
- 18–65 years
- Min. income
- ₹15,000
- Min. credit score
- 650+
- Employment
- Salaried, self-employed, student
- Documents
- PAN, Aadhaar, FD receipt, video KYC
Kotak 811 Dream Different Credit Card is a VISA credit card from Kotak Mahindra Bank. It is best suited for lifetime-free, beginners.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 1 reward point per ₹100
Eligibility
PAN, Aadhaar, FD receipt, video KYC
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the Kotak 811 Dream Different Credit Card apply walkthrough →
Apply for Kotak 811 Dream Different Credit Card
Last reviewed · How we review
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