- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
4 RPs/₹100 for Online Spends and 1 RP/₹100 Spent Elsewhere
- Welcome benefits
500 Bonus Reward Points
- Reward redemption
1 Reward Point = ₹0.20
Fees & charges
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% on all international transactions.
- Interest rates
3.75% Per Month (45% Annually)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver for All Transactions Between ₹500 & ₹3,000
- Cash advance charges
Rs. 300 per Rs. 10,000 withdrawn.
Product highlights
- No joining/renewal fee.
- Get 1 Reward for every Rs. 100 you spend.
- 4 Reward Points for every Rs. 100 spent on online purchases.
- A welcome gift of 500 bonus Reward Points.
- Spend-based bonus vouchers every year.
- A 1 % fuel surcharge waiver.
- Railway surcharge waiver.
FAQs
What is the minimum required income to apply for a Kotak 811 Dream Different Credit Card ?
You don’t need any monthly/annual income proof to apply for a Kotak 811 #DreamDifferent Credit Card. It is a secured credit card that is issued against a Fixed Deposit of Rs. 10,000 or more.
What is the value of 1 Reward Point earned through this card ?
For the Kotak 811 #DreamDifferent Credit Card, 1 Reward Point = Rs. 0.20, i.e., 4 Reward Points are equal to 1 rupee.
Does this card provide any welcome benefits ?
Yes, the Kotak 811 #DreamDifferent Credit Card provides a welcome benefit of 500 bonus points if you spend Rs. 5,000 or more within the first 45 days after receiving your card.
What is the cash advance fee on this card ?
The cash advance fee on the Kotak 811 Dream Different Credit Card is Rs. 300 for every withdrawal of Rs. 10,000.
What is the maximum benefit I can get through the railway surcharge waiver on this card ?
With your Kotak 811 #DreamDifferent Credit Card, you can get a maximum railway surcharge waiver of Rs. 500 in a year.
What is Kotak Dream Different Credit Card Eligibility Criteria?
In order to get approved for the Kotak 811 Dream Different Credit Card, you must be an Indian Resident with at least 18 years of age.
What is Kotak Dream Different Credit Card Limit?
With the Kotak 811 Dream Different Card, you will get a credit limit equivalent to or less than the FD amount against which you have got your card.
What is Kotak Dream Different Credit Card Billing Date?
The billing date of the Kotak Dream Different Credit Card is different for different cardholders. You can get to know the same by logging in to your internet banking account or by contacting customer care.