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Kotak 811 #DreamDifferent Credit Card

Offered by the Kotak Mahindra Bank, the Kotak 811 Credit Card is a lifetime free credit card available only to customers who have a fixed deposit of at least Rs. 150000 with the bank.

Key Highlights of Kotak 811 Card

The key highlights of this secured 811 credit card are that it offers credit card reward points on all the expenditures incurred through this card and you can easily withdraw interest-free cash.

Kotak 811 Credit Card Features and Benefits

Some of the key features and benefits of this card are:

  • Cardholders are not required to pay any charges or fees. Kotak 811 is a free credit card

  • On spending Rs. 5000 within the first 45 days of receiving the card, the cardholder will receive 500 bonus reward points

  • Another Kotak dream different credit card benefit is that you can avail of an insurance cover of Rs 50,000 in case the card is stolen and you report it within 7 days of the incident

  • On touching an annual expenditure on your card of Rs. 75,000, you can enjoy a cashback of Rs. 750 cashback or get 4 PVR Movie Tickets

Advantages of the Kotak 811 #DreamDifferent Credit Card

  • Safety

The credit card comes with an embedded chip and 6-digit PIN to provide you with the highest level of safety and security on all the transactions

  • Waivers

With this card, you can avail a host of waivers like a maximum fuel surcharge waiver of Rs. 3500 in a year, railway surcharge waivers of up to Rs 500, and annual fee waiver of Rs 500

  • Add-on card

With the 811 credit card, you can enjoy an add on credit card with the same features and benefits as the original card. Additionally you can track your spendings as well as set a credit limit on your card as per your needs

  • Transfer

You can get rid of any credit card interest rate charges while making purchases in shops and malls. You can also enjoy an advantage of transferring the other credit card balances to this card

Credit limit of Kotak 811 Credit Card

The Kotak 811 Credit Card offers a maximum credit limit of up to 80% of your fixed deposit.


This implies that the minimum Kotak Mahindra Bank Credit Card limit for this card is ₹8,000. The maximum Kotak Mahindra Bank Credit Card limit is up to ₹12 Lakhs.

How to apply for the Kotak 811 Credit Card?

To apply for a Kotak Mahindra Bank 811 Credit Card, follow these quick and easy steps:

  • Log on to the official website of the bank and from the menu select ‘explore products’

  • Choose the option ‘cards’ and then select ‘credit cards’

  • Here you can click on the ‘apply new’ button and enter the required information

  • Finally, you can submit the required documents and on being verified, you will receive your credit card by mail

Kotak 811 Credit Card Eligibility Criteria

In order to be eligible for a Kotak Mahindra Bank Dream Different credit card, one has to fulfill certain criteria such as

  • Should be within the age group of 18-75 years

  • The minimum TD amount should be Rs. 15000

  • The cardholder should necessarily be a resident of India

  • The documents required are ID proofs like passport, Aadhaar card, Residential proofs like Electricity or Telephone bill, and Income proofs like salary slips or appointment letter.

Kotak Dream Different Credit Card Reward Points

Cardholders can earn reward points each time they use their card. Apart from that, they can earn additional points on spends adding up to Rs 75000 in a year. This is the milestone program option and can be redeemed in any one of the following two ways:

  • Option 1: Claim a cashback of Rs 750 once the first year is over

  • Option 2: Claim 4 PVR tickets within 3 months of the end of the first year

Kotak Dream Different Credit Card Charges and Fees

Here is a comprehensive list of all the charges that apply to the services provided by Kotak 811 Credit Card.

Kotak Dream Different Credit Card Charges


Joining fees


Annual fees


First Year Annual Fee Waiver Condition

Not Applicable

Second Year Annual Fee Waiver Condition

Not Applicable

Charge for add-on credit card


Interest Rate on Outstanding Amount

3.50% of the total outstanding balance

(Annual Rate of Interest = 42%)

Minimum Amount Due (MAD)


Charges for Cash Withdrawn from ATM / Call a draft / Fund Transfer / Cash Advance

₹300 per ₹10,000 or part thereof

Fee for Late Payment

  • ₹100 for sum up to ₹500

  • ₹500 for sum above ₹500 up to ₹10,000

  • ₹700 for sum above ₹10,000

Over Limit Changes


Penalty if the Cheque Bounces


Foreign Exchange Mark-Up


Surcharge on Train Ticket Bookings

(1.8% / 2.5% on total amount of transaction)*

Waived off

Surcharge of Petrol and Diesel

(1% on total amount of transaction)**

Waived off

Fee for Cash Payment at the Bank


Outstation Cheque Processing Charges

Waived off

Charges for Reissuing or Replacing the Card

₹100 for each issue

Fee for Requesting Charge Slip

Waived off

Machine Surcharge for using the card at the ATM

Waived off

Charges for Balance Enquiry at the ATM of any non-parent bank

Waived off

Charges for a Duplicate Statement

Waived off

Service Fee for Online Payment

Waived off

(w.e.f. 10th Jan 2014)

Charges for a Copy of Credit Information Report (CIBIL)


What is Visa PayWave on Kotak 811 card?

Here is a fresh new way to make payments with the Visa Paywave credit card. All you have to do is wave your credit card in front of the reader and your transaction will go through without entering the PIN. This is a smart and safe way to ensure that you do not lose your card and the transactions are conducted in the safest way possible with multiple levels of security.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs about Kotak 811 Card

Can I get a Kotak 811 card against a joint term deposit?

Unfortunately, you can get the card only against an individual term deposit.

How soon can I redeem the cashback/ PVR movie ticket offer on the card?

You can redeem your cashback or PVR movie tickets within 3 months of completing the first year of the credit card

Can I use Kotak 811 Dream Different credit card abroad?

Yes, you can use the card abroad by paying a nominal fee

What kind of card is the Kotak 811 Dream Different credit card?

Kotak 811 Dream Different credit card is a visa gold card

What are the ID documents required to apply for this card?

The documents required are ID, residential and income proofs like passport, Aadhaar card, salary documents, etc.

Can the Kotak 811 Credit Card be used for making international payments?

Yes. You can seamlessly use the Kotak Dream Different Credit Card for domestic online payments as well as for international payments. To be able to make payments abroad, all you have to do is activate global usage via Kotak 811 application on your smartphone.

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