Kotak Mahindra Bank
VISA•••• •••• •••• 4242
Kotak 811 Dream Different Credit Card
Kotak 811 Dream Different Credit Card
Kotak Mahindra Bank
Annual Fee
FREE
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About Kotak 811 Dream Different Credit Card
Lifetime free. 4 RP/₹100 online; 1 RP/₹100 other. No RP expiry. Interest-free cash withdrawal up to 48 days. 1% fuel waiver ₹500–₹4,000 (max ₹3,500/year). IRCTC surcharge waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleLifetime free — no annual fee ever
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 4% | 400 pts≈ ₹100 |
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Kotak Mahindra Bank rewards portal. Redemption value may vary by option.
Card Benefits
1% Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps for transactions between Rs. 500 and Rs. 4,000. Max Rs. 3,500/year.
Railway Surcharge Waiver
Railway booking surcharge waiver of 1.8% on IRCTC and 2.5% at railway counters. Max Rs. 500/year.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹36,000 (ANNUAL)
Rs. 250 voucher on spending Rs. 36,000 in anniversary year
Spend ₹72,000 (ANNUAL)
Rs. 1,000 voucher on spending Rs. 72,000 in anniversary year
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Kotak Mahindra Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Kotak 811 Dream Different Credit Card.
Ready to apply for Kotak 811 Dream Different Credit Card?
Apply directly on the Kotak Mahindra Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.