What is the Kotak 811 Dream Different Credit Card?

The Kotak 811 Dream Different Credit Card is a secured credit card issued against a Fixed Deposit, designed for individuals looking to build credit history with significant rewards and no annual fees.

Does the Kotak 811 Dream Different Credit Card have joining or renewal fees?

No, the Kotak 811 Dream Different Credit Card has 'Nil' joining and renewal fees, making it a very cost-effective option for cardholders.

How can I earn reward points with the Kotak 811 Dream Different Credit Card?

You earn 4 Reward Points for every Rs. 100 spent on online purchases and 1 Reward Point for every Rs. 100 on all other general spends with the Kotak 811 Dream Different Credit Card.

What welcome benefits does the Kotak 811 Dream Different Credit Card offer?

As a welcome benefit, you receive 500 bonus Reward Points on spending Rs. 5,000 or more within the first 45 days of card issuance with the Kotak 811 Dream Different Credit Card.

Does the Kotak 811 Dream Different Credit Card provide fuel surcharge waivers?

Yes, the Kotak 811 Dream Different Credit Card offers a 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs. 3,500 per year.

What is the foreign currency markup on the Kotak 811 Dream Different Credit Card?

The Kotak 811 Dream Different Credit Card applies a 3.5% foreign currency markup on all international transactions, which is an important consideration for overseas spending.

How do I redeem reward points from my Kotak 811 Dream Different Credit Card?

Reward points from your Kotak 811 Dream Different Credit Card can be redeemed via Kotak Mahindra Bank's Net banking for cashback, movie tickets, AirMiles, and various other options.

What are the eligibility criteria for the Kotak 811 Dream Different Credit Card?

Applicants for the Kotak 811 Dream Different Credit Card must be Indian residents, aged 18 or older, and require a minimum Fixed Deposit (FD) of Rs. 10,000.

Are there any milestone benefits associated with the Kotak 811 Dream Different Credit Card?

Yes, with the Kotak 811 Dream Different Credit Card, you can receive an Amazon voucher worth ₹1,000 on spending ₹72,000 or more in an anniversary year.

Is the Kotak 811 Dream Different Credit Card UPI enabled?

Yes, the Kotak 811 Dream Different Credit Card is UPI enabled, allowing for convenient and secure transactions through the UPI platform.

Kotak Mahindra Bank

Kotak 811 #DreamDifferent Credit Card

ShoppingFuelTravel

Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get 500 bonus Reward Points when you spend Rs. 5,000 or more within the first 45 days of card issuance.

Rewards Rate

Earn 1 RP for every Rs. 100 spent (general) & 4 RP for every Rs. 100 spent (online).

Reward Type

Reward Points

Reward Redemption

Redeemable via Net banking against cashback, movie tickets, AirMiles & other options. 1 RP = ₹0.20.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Railway Surcharge Waiver: 1.8% on irctc.co.in, 2.5% at counters (max Rs. 500/year).

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

Clear, concise answers to help you understand this card better.

Similar Cards

Compare similar cards to find your perfect fit

More from Kotak Mahindra Bank

Explore other cards offered by the same provider

Comments & Reviews

Share your experience about Kotak 811 #DreamDifferent Credit Card

Share your thoughts

Your email address will not be published. Required fields are marked *

Loading conversations...