Kotak 811 #DreamDifferent
by Kotak Mahindra Bank · Data verified 2 days ago
FD-backed card with 4 RP per Rs. 100 online, 1 RP per Rs. 100 offline, fuel and railway surcharge waiver. UPI enabled.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- No income proof or credit score required — 100% guaranteed approval against Fixed Deposit
- Zero annual fee (Lifetime Free) with 90% credit limit against your fixed deposit
- Joining fee waived for Fixed Deposit of ₹20,000 and above
- 2 Reward Points per ₹100 spent online and 1 Reward Point per ₹100 on offline spends
- Earn 4 free PVR tickets or ₹750 cashback on achieving ₹75,000 annual spend milestone
- 1% fuel surcharge waiver plus railway surcharge waivers on IRCTC bookings
- Fixed deposit continues to earn full interest while you build your CIBIL score
Things to Consider
- Requires opening a Kotak Fixed Deposit (minimum ₹10,000 FD required)
- No complimentary airport lounge access included
- Standard 3.5% foreign currency markup on overseas spends
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce BONUS | 4 pts/₹100 | 4 Reward Points per Rs. 100 spent online |
| Shopping | 1 pts/₹100 | 1 Reward Point per Rs. 100 on offline spends |
| Fuel | — | Fuel surcharge waiver (1% for Rs. 500-Rs. 4,000 transactions, max Rs. 3,500/anniversary year) |
Fuel Savings
₹292/mo
Purchase Protection
₹50,000 cover
Lost Card Cover
₹0
Movies
- •3 free PVR movie tickets worth ₹1,200 on achieving annual retail spends of ₹75,000
Dining
- •Earn reward points on dining out and food orders with accelerated points on online food platforms
Shopping
- •2 Reward Points per ₹100 spent on all online shopping transactions
- •1 Reward Point per ₹100 spent on all offline point-of-sale purchases
- •Points redeemable for cashback, mobile recharges, or shopping vouchers via Kotak Rewards
Travel
- •1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver ₹3,500 annually)
- •Railway surcharge waiver: 1.8% on IRCTC online bookings and 2.5% at Indian Railways counters (max ₹500/year)
- •Personal accident insurance cover up to ₹2.5 Lakhs
Partner Benefits
- •Welcome Woohoo voucher worth ₹250 on spending ₹1,000 within first 30 days
- •Complimentary 3 months OTTPlay subscription offer via Kotak app
Special Offers & Features
- •100% guaranteed approval for students, freelancers, and first-time cardholders
- •FD continues to earn regular interest up to highest card slab
- •Zero lost card liability upon immediate reporting of lost or stolen card
EMI Options
- •EMI conversion on purchases above Rs.3,000
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a.
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to Kotak Mahindra Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on Kotak 811 #DreamDifferent
Bloom Hotels
Experience vibrant, contemporary stays with Bloom Hotels across India. Kotak Credit Cardholders enjoy flat 25% instant discount up to ₹2,500 on room reservations.
Step 2: Choose your destination city and stay dates with minimum booking ₹3,000.
Step 3: Enter promo code KOTAKBLOOM at payment screen.
Step 4: Pay with Kotak Mahindra Bank Credit Card to get flat 25% instant discount.
Valid on direct bookings at stayatbloom.com only. Minimum booking value of ₹3,000 required. Maximum instant discount is ₹2,500 per booking. Subject to room availability at participating Bloom Hotel properties across India.
MakeMyTrip
Fly for less across India with Kotak Mahindra Bank and MakeMyTrip. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flight bookings of ₹5,000 and above.Book IndiGo, Air India, Akasa Air, and SpiceJet flights with code KOTAKMMT for immediate upfront savings.
Step 2: Search for domestic flights across any Indian carrier with minimum booking amount ₹5,000.
Step 3: In the coupon code input box on the payment page, enter KOTAKMMT.
Step 4: Pay using any Kotak Mahindra Bank Credit Card to deduct up to ₹1,500 instantly.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required excluding taxes. Maximum discount is capped at ₹1,500 per booking. Valid once per cardholder per calendar month. Not applicable on corporate or commercial cards.
Croma
Upgrade your digital life with electronics at Croma. Kotak credit cardholders receive up to ₹4,000 instant discount on premium tech, home appliances, and audio gear.
Step 2: Add eligible consumer electronics, televisions, or laptops worth ₹20,000+.
Step 3: Choose Kotak Bank Credit Card offer at payment checkout.
Step 4: Complete transaction to enjoy an instant discount up to ₹4,000.
Valid on Kotak Debit Card EMI and Kotak Credit Card EMI transactions. Maximum instant discount Rs. 2,500.
Zomato
Savor gourmet cuisines and weekend dining with Zomato and Kotak Bank. Get flat 15% instant discount up to ₹150 on minimum food orders of ₹599.
Step 2: Add dishes totaling ₹599 or more to your cart.
Step 3: Apply coupon code KOTAKDINING at the order review screen.
Step 4: Pay with any Kotak Mahindra Bank Credit Card to get 15% off up to ₹150 instantly.
Valid on food delivery orders placed via Zomato mobile app. Minimum cart value of ₹599 is required. Maximum discount is capped at ₹150. Valid once per customer per week.
BookMyShow
Catch the newest blockbusters with Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using Kotak credit cards.
Step 2: In the payment section, select Kotak Credit Card offer under 'Unlock Offer or Apply Promocodes'.
Step 3: Settle the balance with your Kotak Credit Card.
Valid on minimum booking of 2 tickets. Free ticket discount capped up to ₹250. Available on select Kotak credit cards (Privy, League, Zen).
Swiggy
Order your favorite meals on Swiggy and get flat 15% instant savings up to ₹100 using Kotak credit cards with coupon KOTAK100.
Step 2: Apply coupon code KOTAK100 on checkout.
Step 3: Pay using any Kotak Mahindra Bank Credit Card.
Valid on minimum spend of ₹499. Maximum discount ₹100. Valid once per card per month on food orders.
EaseMyTrip
Enjoy up to ₹8,000 off on EaseMyTrip travel bookings with Kotak Bank Credit Card EMI using promo code KOTAKEMI (Domestic Flights: Flat 10% instant discount up to ₹1,800 on MOV ₹5,000).
Step 2: Enter promo code KOTAKEMI on payment page.
Step 3: Complete payment using Kotak Mahindra Bank Credit Card EMI.
Valid on Kotak Bank Credit Cards EMI transactions on EaseMyTrip using code KOTAKEMI: Domestic Flights Flat 10% up to ₹1,800 (MOV ₹5,000), International Flights Flat 10% up to ₹5,000 (MOV ₹15,000), Domestic Hotels 15% up to ₹4,000, International Hotels 15% up to ₹8,000.
Frequently Asked Questions
Everything you need to know about Kotak 811 #DreamDifferent
- • Min age: 18 years
- • Salaried: No minimum income (Secured against Fixed Deposit)
- • Self-employed: No minimum income (Secured against Fixed Deposit)
- • CIBIL: No credit history required (FD-backed)
- • Instant: Pre-approved Kotak Mahindra Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Kotak 811 #DreamDifferent today and unlock amazing rewards and premium experiences.
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