Cards / Kotak Mahindra

Kotak MahindraKotak 811 Dream Different Credit CardRuPay

Kotak 811 Dream Different Credit Card Credit Card

Kotak Mahindra Bank · Entry level

Reviewed by Chandan Kumar Dash

Lifetime free card; choose your credit limit; build credit score.

Saved only in this browser. Sale pages then show your own best card.

Joining fee

₹424

Annual fee

Free

Waiver spend

–

Forex markup

2%

Fee waiver

No annual fee, so nothing to waive.

Work it out for this card

Offers on this card now

• Shopping
  Tata CLiQ

  12.5% instant discount on Tata CLiQ Fashion and Luxury

  Fashion: minimum ₹3,000, maximum discount ₹1,000, code TCFKOTAK. Luxury: minimum ₹7,500, maximum discount ₹2,500, code TCLKOTAK. Valid on select Kotak credit cards.

  Ends 30 NovBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 2% cashback in cycles with Rs 15,000+ eligible spend (Rs 100 max per transaction)

No rewards on fuel, insurance, rent, wallet loads.

Who can apply

Needs a Kotak fixed deposit of Rs 10,000 to Rs 20 lakh; no income proof or credit score needed

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

More from Kotak Mahindra