Kotak 811 Dream Different Credit Card Review – Benefits, Limit, Eligibility

Kotak 811 Dream Different Credit Card Review – Are You want a Credit card without any income documents, Kotak 811 dream different credit card is for you. it is one of the best FD Based credit cards for those Who have no credit history. it allows earning reward points on each spend by using the card.

it could be a beneficial card for you to start a credit journey and build a Good Credit Score of 750 or Above. Moreover, it is an entry-level Lifetime free secured credit card for earning rewards.

it has no annual or joining charges you will have to pay to get the card. this is a Fixed Deposit Based card issued by Kotak Mahindra Bank. it also allows a credit limit of up to 90% of your Total term deposit amount.

For online shopping, it offers 2X Reward Points per ₹100 or Above spent. Furthermore, it allows 1 Reward point on all Other category shopping. excluding cash withdrawals, fuel, and railway spending.

Through this Article, we will share with you a brief review of the Kotak 811 #DreamDifferent Credit Card which can find all solutions to your queries related to the Kotak 811 DreamDifferent Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.

The Benefits And Review of the Kotak Dream Different Credit Card

Table of Content

Kotak Dream Different Credit Card Highlight Factors

Image real owner is Kotak Mahindra Bank
Card TypeSecured Fixed Deposit-Based Card
Best SuitableBeginners, Want to Build Credit Scores, Who have no credit history
Card Benefits &
– 1% Fuel Surcharge waiver
– Upto 2.5% Offline & 1.8% online Railway Surcharge waiver 
– 811 #DreamDifferent Shield
– Interest-free cash withdrawal up to 48 days
– Activation Offer 500 bonus reward points
– Add-on Card Benefit
– Higher Credit Limit Upto 16 Lakh
– No Joining/Annual Fee (LifeTime Free)
– Minimum credit limit amount is 5,000 (Only For 811 savings account customers)
– Minimum credit limit amount is 9000 for Non-811 Savings Account Customers
Reward Points or Cashbacks– 2 reward points On Purchases of 100 or Above On All Online Spends
– 1 reward point against each 100 or above other* spends
No Reward points on cash withdrawals, fuel, and railway spends
Welcome Gift– Activation Offer Earn 500 bonus reward points
Annual Fee WaiverLifetime Free Credit Card
Milestone benefits– Get Milestone Benefits on Each spend of ₹75,000 in the previous year by using the card
– ₹750 cashback or 4 PVR Movie Tickets (Select One)
Note: This Milestone benefits offer is applicable effective from 15th June 2020 onwards. 

What Are The Kotak 811 Dream Different Credit Card Offers And Benefits

Kotak 811 #DreamDifferent Credit Card is a secured Fixed-Deposit Based card issued by Kotak Mahindra bank. it allows earning rewards points on each offline/online shopping. you can customize your credit limit upto 16 lakhs as per depends on your total Fixed Deposit Amount.
This 811 #DreamDifferent card comes with all additional benefits such as

  1. Reward Points for shopping
  2. Activation Offer As a Welcome Gift
  3. Fuel & Railway Surcharge waiver
  4. Add-on Card
  5. 811 #DreamDifferent Shield
  6. Balance Transfer
  7. EMI

You can get this secured credit card without providing any income Documents such as ITR, Salary Slip, and other documents. You can apply for this card with a minimum credit limit and Fixed Deposit Amount of ₹5000 for 811 savings account customers. moreover, for Non-811 savings account customers, The Minimum credit limit of ₹9,000.

It allows the cardholder to get a credit limit of up to 90% of their Fixed deposit amount and there are no annual and membership joining charges to apply for the card. it is quite beneficial for you to build your excellent credit score.

Discounts And Reward Points

Reward Points & Cashback On CardExplanation
Online Transactions– Offer 2 reward points on All Online Transactions
Offline Transactions – Offer 1 reward point on offline Transactions
Stolen Card Insurance cover– 811 #DreamDifferent Shield
– Credit Card Cover upto ₹50,000 against fraudulent usage
– Call 1860 266 2666 immediately Customer Contact Centre to Block, deactivate, and report misuse transactions of your card
Railway Surcharge Waiver– Upto 1.8% waiver on bookings from IRCTC Online Website
– Get a 2.5% Waiver on bookings from Indian railway booking counters
– (Capped at max ₹500 per Year)
Fuel Surcharge Waiver– 1% Fuel Surcharge waiver across all petrol pumps fuel purchases between ₹500 to ₹3000 (Capped at ₹3500/year)
Domestic Airport Lounge Access LimitNot Available
International Lounge Access LimitNot Available

Additional Features on Kotak 811 Dream Different Credit Card

Additional FeaturesDescription (Details)
Add-on Card– Add-on cards have the same benefits as the primary card
– Set a spending limit
– Track spending separately
EMI FacilityYes
Contactless PaymentYes

Set Card Control
Use the Kotak app to control and set limits for your all Kotak Mahindra bank credit cards
Foreign Currency Mark up3.5%

What Are Card Charges and Fees

List of ChargesOverview
Welcome BenefitsAs an Activation Offer, it offers to Earn 500 bonus reward points on purchases up to 5000 within its activation day to the next 45 days.
Annual Fees on The CardLifetime Free
First Year FeeLifetime Free
Joining ChargesLifetime Free
Finance Fees (Interest Rate) – 3.50% Per Month
– 42.00% Per Year
Late Payment Fee– Late Payment Charges are between ₹100 to ₹700 depending on total overdue amount
Minimum Amount Due10%
Foreign Currency Mark Up3.5% of the total transaction amount
Add-on cardsNil
ATM Cash Withdrawal/Cash Advance per Rs. 10,000₹300 per ₹10,000
Balance Transfer₹349 Processing fee per ₹10,000

What Are the Eligibility Criteria For Dream Different Credit Card By Kotak Mahindra Bank?

This card is available All Over India. You can apply for the card from Kotak Mahindra bank’s official website. moreover, NRI Customers can apply for this card directly and visit any Kotak bank Branch. The primary cardholder must be 18 years and above. This is a Secured type FD Based Card, therefore, income documents are not required to get the card. if you have a Zero maintenance 811 Savings Account Holder then it could be a beneficial card for you to apply.

Eligibility CriteriaOverview
Only ForEveryone upto 18 Years
Minimum credit limit amountUp To ₹5,000 (Only For 811 Savings Account Holders)
Minimum Credit Limit Amount At least upto ₹9,000 (Non-811 Savings Account Customers)
Your Age Must Be For Primary Card18 years to 75 years
Add-On Card18 years and above
Minimum Salary RequirementNil
Credit ScoreNo Credit History Required

Kotak bank will ask you few documents such as PAN Card And Aadhar card to complete the Process. Below, we mention the documents that the bank may ask you to complete the Full Process and deliver the card to your doorsteps.

811 #DreamDifferent Credit Card Eligibility
811 #DreamDifferent Credit Card Eligibility


What is the Kotak 811 Dream Different Credit Card?

Kotak 811 Dream Different Credit Card is a Secured type of Fixed Deposit card. it is a reward points-based card for beginners who want to start the credit journey. it could be one of the best cards to build a good credit score. moreover, it is a lifetime free card with plenty of benefits. the minimum fixed deposit amount is just ₹5000 to get the card.

What Is the Kotak 811 Dream Different Credit Card Customer Care Number?

1860 266 0811 and 1860 266 2666 are the helpline customer care number to get information related to the credit cards of Kotak Mahindra bank.

Other Similar Cards

Credit CardAnnual FeeBest Feature
ICICI Platinum Credit CardLifetime Free CardWhen you Do Retail Shopping by using this card, It offers to earn 2 Reward Points on every ₹ 100 or Above purchases
Kotak Bank 811 Credit Card₹500 Per YearIt allows earning 2 Reward Points on all Online transactions of ₹100 or Above
Axis Bank Neo Credit Card₹250 And GST Taxes5% Off on Utility Bill Payments on Amazon Pay Services such as Mobile Recharge, DTH, Water, and Electricity Bill Payments

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We hope you will like the Kotak Dream Different Credit Card review. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at [email protected]

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