Kotak • entry
Kotak 811 #DreamDifferent
First-time credit card users / FD-backed approval
Annual Fee
FREE
Joining Fee
FREE
Base Rate
0.5%
Our rating
6.5/10
Our rating is our own hand-set overall judgment of this card — not a computed score. How we set it →
KOTAK
KOTAK 811 #DREAMDIFFERENT
entry
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VISA
Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.5,900
Annual fee-Rs.0
Net annual value+Rs.5,900
Value Breakdown
online (1.5%)+Rs.3,600
Base rate (0.5%)+Rs.1,800
Welcome benefit+Rs.500
Highlights
- Lifetime free
- No income proof needed (FD-backed available)
- Good for credit building
Reward Rates
Earn by category
online
1.5%
2X on online
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Questions
Frequently asked questions
What is the annual fee of Kotak 811 #DreamDifferent?
Kotak 811 #DreamDifferent is a lifetime free card with zero annual fee.
What is the reward rate on Kotak 811 #DreamDifferent?
Kotak 811 #DreamDifferent earns a base rate of 0.5%. See the reward-rates section above for category accelerators.
How to apply for Kotak 811 #DreamDifferent?
Apply online through Kotak's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.