Kotak 811 Dream Different

Kotak 811 Dream Different

Kotak Mahindra Bank · Visa

Kotak 811 Dream Different is a zero-fee entry-level card available to anyone with a Kotak 811 account.

Annual Fee

Free

Base Reward Rate

1X

Point Value

₹0.25/pt

Min CIBIL

600

Lounge Access

Domestic

0/year

International

0/year

Reward Rates by Category

Dining

1X

Travel

1X

Shopping

1X

Online

2X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Pros

  • ZERO annual fee
  • Available with Kotak 811 account
  • Virtual card issued instantly
  • 2X on online purchases
  • Fuel surcharge waiver

Cons

  • No lounge access
  • Very low reward rate
  • Physical card takes time
  • Basic benefits only

Redemption Options

Statement credit

Standard0.25/pt

Ready to Apply?

Apply directly on the Kotak Mahindra Bank website. Takes about 10 minutes.

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