Card Image
811 #DreamDifferent
Annual Fee
FREE
Rewards/₹100 ⓘ
₹1.00
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
650+
At a Glance
Key Benefits
Lifetime free, instant digital card, 1% cashback on online spends, fuel surcharge waiver
Lounge Access
Not available
Eligibility
Age: 18+, Kotak 811 account required, CIBIL: 650+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹1.00
#190
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
650+
#13
Min Monthly Income ₹NaN
Network VISA
Cash Advance Fee 2.50% (min ₹300)
Late Payment Fee ₹400
Reward Structure
Base
All Spends
₹1.00 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
The 811 #DreamDifferent is a straightforward lifetime free credit card from Kotak Mahindra Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for 811 #DreamDifferent?
No, it is a lifetime free card.
Is there a joining fee for 811 #DreamDifferent?
No, there is no joining fee.
What rewards does 811 #DreamDifferent offer?
You can earn up to ₹1.00 cashback per ₹100 spent. The base cashback rate is ₹1.00 per ₹100.
Does 811 #DreamDifferent offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for 811 #DreamDifferent?
To apply for 811 #DreamDifferent, you need minimum age of 18 years, minimum monthly income of ₹15000, credit score of 650+.
User Reviews
Ready to Apply for 811 #DreamDifferent?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.