Kotak 811 Dream Different Credit Card benefits
- Rewards2%
cashback in cycles with ₹15,000 of eligible spends
up to ₹500 a cycle
- Rewards
UPI payments through the Kotak 811 app earn cashback
up to ₹200 a cycle
Good to know
- Secured by a Kotak FD of ₹10,000 to ₹20 lakh, with a limit of up to 90% of the deposit
- No annual fee; one-time joining fee of ₹500 including GST
- 2% foreign currency markup, lower than most Kotak cards
Kotak 811 Dream Different Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 0% back | 500 |
| Spends above ₹15,000 a month2% cashback once eligible spends in a billing cycle reach ₹15,000. Kotak then pays 2% on every eligible spend in that cycle, but our maths counts only the part above ₹15,000, so it shows less than you may get. | 2% back | None |
No rewards on: Wallet loads, fuel, rent, ATM withdrawals and cash, EMI transactions, gaming apps, gold purchases, insurance, B2B (business) payments, money transfers, wholesale clubs, betting and government lottery spends.
All reward rules
- The cashback programme applies to billing cycles that start in September 2026 or later.
- You must make ₹15,000 of eligible spends in a billing cycle to get any cashback. Below that, the cycle earns nothing.
- Cashback is capped at ₹500 a billing cycle and ₹100 a transaction. UPI spends count only when paid through the Kotak 811 app, and UPI cashback is capped at ₹200 a cycle within the ₹500.
- Cashback becomes available by the 15th of the next month and must be claimed in the Kotak 811 app within 30 days, or it lapses. It is paid into your Kotak savings account.
- You get the cashback only if you paid the minimum amount due of the previous statement through Kotak's app or net banking, and have no overdue dues.
What the Kotak 811 Dream Different Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.97% | ₹348 |
| Dining and food delivery | ₹2,000 | 0.97% | ₹232 |
| Online shopping | ₹18,000 | 0.97% | ₹2,086 |
| Travel | ₹1,000 | 0.97% | ₹116 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.97% | ₹232 |
| Everything else | ₹3,000 | 0.97% | ₹348 |
| Total | ₹30,000 | ₹3,360 | |
| Renewal fee with GST | None | ||
| You keep | ₹3,360* |
Kotak 811 Dream Different Credit Card annual fee and charges
- Joining fee
- ₹424
- Annual fee
- Free
- Foreign currency markup
- 2%
From 1 September 2026 the joining fee is ₹424 plus GST, which Kotak shows as ₹500 including GST, with no waiver. There is no annual fee. The metal version has a joining fee of ₹3,500. A cancellation fee of ₹170 applies if you close the card within 90 days of issue.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000, up to ₹3,500 in a card anniversary year.
Kotak 811 Dream Different Credit Card eligibility
- Lowest fixed deposit
- ₹10,000
The card is issued against a Kotak fixed deposit (FD) of ₹10,000 to ₹20 lakh. Kotak does not ask for income proof or a credit score. Your credit limit can be up to 90% of the FD. Only Kotak FDs count; tax-saver, NRI, sweep-in, non-withdrawable and minor FDs are not allowed. Kotak does not state an age limit on the card page.
The bank alone decides approval and your credit limit.
Kotak 811 Dream Different Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the Kotak 811 Dream Different Credit Card right for you?
A lifetime free card, paying a below-average 0% on most spends.
Good for you if
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
- You have no credit history or a low score: the card is issued against a fixed deposit of ₹10,000 or more.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You want strong rewards on everyday spending: most spends earn 0%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Kotak 811 Dream Different Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Kotak 811 Dream Different Credit Card | Free | 2% | ₹2,880* |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | 3% | ₹5,160* |
| IDFC FIRST EARN Credit Card | ₹499 | 5.5% | ₹1,800* |
If most of your spending looks like the example above, the IDFC FIRST Hello Cashback Credit Card may suit you better: it would leave you ₹7,800 a year, against ₹3,360 with the Kotak 811 Dream Different Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
How much FD do I need for the Kotak 811 Dream Different Credit Card?
At least ₹10,000, and up to ₹20 lakh, in a Kotak fixed deposit. Your credit limit can be up to 90% of the FD, so a ₹1 lakh FD can give a limit of up to ₹90,000. You can raise the limit by linking more FDs in the Kotak app.
Does my FD earn interest while it backs the Kotak 811 credit card?
Yes. The FD keeps earning interest at its normal rate. But you cannot break it early while the card is open, and your bill is not paid from the FD. The lien on the FD is removed after you close the card and clear all dues.
When do I get 2% cashback on the Kotak 811 FD credit card?
Only in a billing cycle where your eligible spends reach ₹15,000. Then each eligible spend in that cycle earns 2%, up to ₹100 a transaction and ₹500 a cycle. You must also have paid the previous minimum amount due through Kotak's app or net banking.
Is the Kotak 811 Dream Different card lifetime free?
Not fully. There is no annual fee, but from 1 September 2026 there is a one-time joining fee of ₹500 including GST, with no waiver. If you close the card within 90 days, a ₹170 cancellation fee applies.
Can I get the Kotak 811 FD credit card without a CIBIL score?
Yes. Kotak says you do not need income proof or a credit score, because the FD acts as security. Paying the bill on time can help you build a credit history.