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
- The Benefits And Review of the Kotak Dream Different Credit Card
- Kotak Dream Different Credit Card Highlight Factors
- What Are The Kotak 811 Dream Different Credit Card Offers And Benefits
- Discounts And Reward Points
- Additional Features on Kotak 811 Dream Different Credit Card
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For Dream Different Credit Card By Kotak Mahindra Bank?
- FAQ
- Popular Credit Cards By Axis Banks
Kotak Dream Different Credit Card Highlight Factors

Points | Description |
---|---|
Card Type | Secured Fixed Deposit-Based Card |
Best Suitable | Beginners, Want to Build Credit Scores, Who have no credit history |
Card Benefits & Features | – 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 Waiver | Lifetime 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
- Reward Points for shopping
- Activation Offer As a Welcome Gift
- Fuel & Railway Surcharge waiver
- Add-on Card
- 811 #DreamDifferent Shield
- Balance Transfer
- 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
Additional Features on Kotak 811 Dream Different Credit Card
What Are Card Charges and Fees
List of Charges | Overview |
---|---|
Welcome Benefits | As 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 Card | Lifetime Free |
First Year Fee | Lifetime Free |
Joining Charges | Lifetime 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 Due | 10% |
Foreign Currency Mark Up | 3.5% of the total transaction amount |
Add-on cards | Nil |
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 Criteria | Overview |
Only For | Everyone upto 18 Years |
Minimum credit limit amount | Up 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 Card | 18 years to 75 years |
Add-On Card | 18 years and above |
Minimum Salary Requirement | Nil |
Credit Score | No 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.

FAQ
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.
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 Card | Annual Fee | Best Feature |
ICICI Platinum Credit Card | Lifetime Free Card | When 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 Year | It allows earning 2 Reward Points on all Online transactions of ₹100 or Above |
Axis Bank Neo Credit Card | ₹250 And GST Taxes | 5% Off on Utility Bill Payments on Amazon Pay Services such as Mobile Recharge, DTH, Water, and Electricity Bill Payments |
Popular Credit Cards By Axis Banks
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