Kotak 811 #DreamDifferent Credit Card
- Updated On: 6 May, 2026
A secured credit card by Kotak Mahindra Bank, the Kotak Mahindra Dream Different 811 Credit Card aims at providing amazing rewards to card members. You do not have to pay any joining or renewal fee on this credit card, and it further lets you earn bonus reward points in the form of welcome benefits. With this card, you get 1 Reward Point on every ₹100 you spend, and you get 4 Reward Points/₹100 on all your online spends. The card allows you to redeem your Reward Points easily on the bank’s website. Moreover, you can earn exciting Rewards & benefits under the milestone program.
On spending ₹72,000 or more in a year, you get Amazon vouchers. With various other advantages, including a fuel surcharge waiver and a railway surcharge waiver, the card becomes a great choice for many people. To know the detailed benefits of the Kotak 811 #DreamDifferent Credit Card, refer to the information given below:
Kotak 811 #DreamDifferent Credit Card
( 4.2 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
4 RPs/₹100 for Online Spends and 1 RP/₹100 Spent Elsewhere
Welcome Benefits
500 Bonus Reward Points
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
4 RPs/₹100 for Online Spends and 1 RP/₹100 Spent Elsewhere
Reward Redemption
1 Reward Point = ₹0.20
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% on all international transactions.
Interest Rates
3.75% Per Month (45% Annually)
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver for All Transactions Between ₹500 & ₹3,000
Cash Advance Charges
Rs. 300 per Rs. 10,000 withdrawn.
Product Details
- No joining/renewal fee.
- Get 1 Reward for every Rs. 100 you spend.
- 4 Reward Points for every Rs. 100 spent on online purchases.
- A welcome gift of 500 bonus Reward Points.
- Spend-based bonus vouchers every year.
- A 1 % fuel surcharge waiver.
- Railway surcharge waiver.
Kotak 811 #DreamDifferent Credit Card Features and Benefits
The 811 DreamDifferent Credit Card offered by Kotak Mahindra Bank is one of the best-secured credit cards in India. It is not just a great option to start your credit journey, but you get lots of additional benefits with this card. The following are the details of the features and benefits that come along with this credit card:
Welcome Benefits
On spending of Rs. 5,000 or more using your credit card in the first 45 days of the credit card issuance date, the cardholders will get 500 bonus Reward Points.
Milestone Benefits
On spending Rs. 72,000 or more in an anniversary year using your Kotak Dream Different Credit Card, you get an Amazon voucher worth ₹1,000.
Other Benefits
- You get a 1.8% railway surcharge waiver on booking through irctc.co.in.
- You get a 2.5% railway surcharge waiver on Indian railway booking counters.
- The maximum surcharge benefit is capped at Rs. 500 per year.
Fuel Surcharge Waiver
- On all fuel transactions ranging between Rs. 500 and Rs. 3,000, you will get a surcharge waiver of 1%.
- You can avail of a maximum benefit of Rs. 3,500 per year through the fuel surcharge waiver on this card.
Kotak 811 #DreamDifferent Credit Card Rewards:
The Rewards offered by the Kotak Bank 811 DreamDifferent Credit Card in different categories are mentioned below:
- For every Rs. 100 spent using this credit card, you will get 1 Reward Point.
- For every Rs. 100 spent using this credit card on online transactions, you will get 4 Reward Points.
- You don’t get any Reward Points on cash withdrawals, fuel transactions, and railway transactions.
Rewards Redemption
- Redemption of reward points can be done via the Net banking section of Kotak Mahindra Bank by logging into Kotak.
- The Reward Points are redeemable against cashback, movie tickets, AirMiles, and many more options available on the website.
- The monetary value of 1 Reward Point = ₹0.20.
Kotak 811 # DreamDifferent Credit Card Eligibility Criteria
There are no strict eligibility criteria for the Kotak Dream Different Credit Card as it is a secured card. The basic requirements that you need to fulfill are as follows:
- The primary and the add-on credit card applicants should be more than 18 years of age.
- He should be an Indian resident.
- A minimum FD amount of Rs. 10,000 is required.
Conclusion
With its exclusive Reward offers & exclusive benefits, the Kotak 811 #DreamDifferent Credit Card is a great choice for people who don’t have a stable monthly/annual income, as this card is issued against an FD of ₹10,000 without any other income proof. Also, the card comes without any joining fee, making it affordable for everyone. Even after being very easy to have, the card provides its customers with exciting Reward offers, welcome benefits, milestone benefits, fuel & railway surcharge waiver, etc. So, if you are looking for a secured credit card with no annual fee and great benefits, you can surely go with the Kotak 811 #DreamDifferent Credit Card. Another lifetime free secured card that you must check is the IDFC FIRST WoW Credit Card.
This was the Kotak 811 #DreamDifferent Credit Card review from our side. Make sure to let us know in the comment section below!
FAQs:
What is the minimum required income to apply for a Kotak 811 Dream Different Credit Card ?
You don’t need any monthly/annual income proof to apply for a Kotak 811 #DreamDifferent Credit Card. It is a secured credit card that is issued against a Fixed Deposit of Rs. 10,000 or more.
What is the value of 1 Reward Point earned through this card ?
For the Kotak 811 #DreamDifferent Credit Card, 1 Reward Point = Rs. 0.20, i.e., 4 Reward Points are equal to 1 rupee.
Does this card provide any welcome benefits ?
Yes, the Kotak 811 #DreamDifferent Credit Card provides a welcome benefit of 500 bonus points if you spend Rs. 5,000 or more within the first 45 days after receiving your card.
What is the cash advance fee on this card ?
The cash advance fee on the Kotak 811 Dream Different Credit Card is Rs. 300 for every withdrawal of Rs. 10,000.
What is the maximum benefit I can get through the railway surcharge waiver on this card ?
With your Kotak 811 #DreamDifferent Credit Card, you can get a maximum railway surcharge waiver of Rs. 500 in a year.
What is Kotak Dream Different Credit Card Eligibility Criteria?
In order to get approved for the Kotak 811 Dream Different Credit Card, you must be an Indian Resident with at least 18 years of age.
What is Kotak Dream Different Credit Card Limit?
With the Kotak 811 Dream Different Card, you will get a credit limit equivalent to or less than the FD amount against which you have got your card.
What is Kotak Dream Different Credit Card Billing Date?
The billing date of the Kotak Dream Different Credit Card is different for different cardholders. You can get to know the same by logging in to your internet banking account or by contacting customer care.
3 comments
Jay
Kotak bank credit card offers are not applicable for this FD card.
suraj
i want cardit card
Arun Kumar
This card is an attractive option for individuals starting their credit journey or with no regular income but an FD of ₹10,000 or more, offering no joining or annual fees to help build credit.