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
Standard₹0.25/pt
Ready to Apply?
Apply directly on the Kotak Mahindra Bank website. Takes about 10 minutes.