811 #Kotak Dream Different Credit Card Review

The 811 #kotak dream different credit card is a perfect blend of usefulness and simplicity. It is a secure credit card that is specifically crafted for beginners. While it comes free of cost, this card offers you benefits like powerful rewards on every transaction, exclusive waiver on fuel and railway surcharges, complimentary liability coverage, and lots more. More about the kotak 811 credit card benefits are discussed below.

What is the kotak mahindra credit card eligibility criteria?

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 18 to 75 years. 
    • Income: This card can be issued against a term deposit account (min TD amount Rs. 10,000) 
  • For self-employed person:
    • Age: The age of the applicant should be between 18 to 75 years. 
    • Income: This card can be issued against a term deposit account (min TD amount Rs. 10,000) 
  • A long relationship with the bank will help you to get this card. 
  • If you are an NRI customer, then you can only apply for this card via the offline method. 

If you can fulfill the kotak dream different credit card eligibility criteria then you can apply for this card from the kotak bank credit card online application portal. You can also visit your nearby Kotak Mahindra branch and submit your application there. 

What documents are required to apply for the 811# kotak dream different credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your kotak credit card application is submitted successfully, you can track the status of your application from the kotak credit card tracking page. The new credit cards are also delivered in an inactive state, if you are curious about how to activate kotak dream different credit cards? then feel free to take a look at the Kotak credit card faq page.

How much are the Kotak dream different credit card fees?

  • Kotak811 credit card joining fee: None. 
  • Kotak811 credit card annual fee: Free for a lifetime. 

What are the kotak 811 dream different credit card benefits?

  • Enjoy the convenience of credit with a higher credit limit:

The Kotak 811 dream different credit card gives you up to 90% of your term deposit amount as the kotak 811 credit card limit. If you are not satisfied with your current credit limit, then click here to know how to increase kotak dream different credit card limit?

  • Make a wonderful start with a very attractive welcome gift:

With the dream different credit card activation, you will get 500 bonus points as a welcome gift. The reward points will be credited to your account as you touch the Rs. 5000 spend mark within the first 45 days of your card’s activation.

As per the new credit card rules all new Kotak credit cards are delivered in an inactive state, and to start using those cards, you need to activate them manually by generating a new kotak credit card pin. You can find more about the kotak mahindra credit card pin generation process from our FAQ page.

  • Make your every transaction rewarding with a powerful reward scheme:

You can earn reward points for almost every transaction you make using this card. The details of the kotak mahindra reward points scheme are given in the table below. 

Category of transaction

Kotak credit card reward points
For each Rs.100 online transaction 2 reward points. 
For each Rs.100 transaction made on other categories* 1 reward point. 

*You will not get any kotak reward points for fuel purchases, cash withdrawals, railway ticket bookings, etc. You can redeem kotak credit card points for travel booking, mobile recharge, you can also convert them into cash or use them to get a product from the kotak credit card reward points redemption catalog. 

  • Enjoy freedom from fuel and railway surcharges:

If you use this kotak lifetime free credit card for fuel purchase, you will get up to a 1% waiver on fuel surcharges. This offer is applicable at any fuel station in India and on transactions between Rs. 500 and Rs. 3000. You can earn a maximum of Rs. 3500 waiver in a year. 

This kotak credit card offers a 1.8% waiver on transactions made on the IRCTC portal and up to a 2.5% waiver on the transactions made at railway ticket booking counters. You can earn a maximum of Rs. 500 waiver per year. 

  • Earn bonus rewards from milestone spending:

On completing Rs. 75,000 transactions within an anniversary year, you will get two bonus offers – 

  1.  a cashback of Rs. 750
  2. 4 free movie tickets from PVR Cinemas. 

You can only choose one of the above-mentioned options. 

  • Complimentary liability coverage protection to stand for you in emergencies:

This kotak mahindra lifetime free credit card comes with complimentary fraud liability coverage of Rs. 50,000. 

So if your card ever gets lost or stolen, you just have to report the loss by calling the kotak mahindra credit card customer care number and you will not be liable for anything bad that may happen to your account. You can also block your card by yourself by using the kotak credit card net banking account

  • Use the balance transfer facility to buy some time for repayment:

Kotak Mahindra bank allows you to transfer the outstanding of your other bank’s credit card to this kotak 811 dream different credit card so that you can get some extra time to clear off your dues. The balance transfer processing fee is Rs. 349 for each Rs. 10,000 transfer. Check your kotak credit card limit before performing a balance transfer. 

  • Withdraw cash more conveniently without paying any interest:

You can withdraw cash using your Kotak Dream Different card and you will not have to pay any interest for the withdrawn amount. However, you will have to pay the processing fee of Rs. 300 for each Rs. 10,000 withdrawal. 

  • Pay your bills more easily with the convenient kotak mahindra credit card bill payment options:

You can make your kotak bank credit card payment online via your net banking account or by using a credit card payment app. But if you don’t have access to the online payment options then you can also make your kotak credit card payment by neft , cheque, or from your nearby ATM. You can also find the kotak mahindra credit card ifsc code here.

  • Security of the advanced EMV chip:

This card has a built-in EMV chip, this chip is designed to store your sensitive information with a very highly secured encryption method that makes your card nearly impossible to copy. 

Kotak 811 credit card charges:


Payable amount

Kotak dream different credit card cash withdrawal charge Rs. 300 against the withdrawn amount. Check your kotak 811 atm cash withdrawal limit before making a withdrawal. 
Kotak 811 credit card finance charges The kotak credit card interest rate can go up to 3.50% monthly or 42% annually. 
Dream different credit card foreign currency conversion charge 3.5% against the transaction amount. 
What is kotak dream different credit card add-on card fee? None. 

How to contact the kotak 811 credit card customer service department?

  • Call the kotak mahindra bank credit card customer care number: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak credit card customer care mail id: customerfirst@kotak.com 

100xGain Ratings:


Pros and Cons:



  • This card is a very good option for beginners since you can get this credit card against a fixed deposit account.
  • You can earn a good amount of reward points from this card
  • It features fraud liability coverage which is extremely useful for first-time credit card users
  • There are no dining and travel benefits on this kotak dream different credit card.

If you don’t want to continue with your Kotak credit card, then feel free to take a look at our faq page to know how to close kotak dream different credit card permanently?

Final Opinion:

If you are a newcomer in the credit card market and looking for a basic credit card to start with, then the kotak 811 dream different credit card will be a solid choice for you. The major advantage of the card is that you can get this kotak 811 credit card against fd account. Apart from that, there are also some very useful features like; balance transfer, interest-free cash-withdrawal, complimentary fraud liability coverage, and lots more which makes this card ideal for newcomers.

But if you want to compare some alternative card options then take a look at the 100xGain top 16 beginner’s credit card page. You can also take a look at the alternative card options given below.

Alternative Cards:

  1. SBI IRCTC Platinum Credit Card (Best for offering travel benefits)
  2. SBI Pulse Credit Card (Best for lifestyle and healthcare benefits)
  3. Slice Credit Card (Best for no-cost EMI option)
  4. UBI Usecure Credit Card (Best for reward points, travel, and dining benefits)

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