Kotak 811 #DreamDifferent Credit Card
Zero joining and annual fee credit card with rewards on every spend
Travel Benefits
Lounge access & travel insurance
Cashback Rewards
Up to 5% cashback on spends
Zero Liability
100% fraud protection
Joining Charges
₹ 0 (FREE)
Annual Fee: ₹ 0 (FREE)
Major Benefits
Complimentary Airport Lounge Access
Access to 1000+ airport lounges worldwide with unlimited visits
Accelerated Reward Points
Earn 4X reward points on dining, travel, and online shopping
Dining Privileges
1+1 offers at premium restaurants and exclusive dining experiences
Comprehensive Insurance Coverage
Travel insurance, purchase protection, and extended warranty benefits
About This Card
<h2>Kotak 811 #DreamDifferent Credit Card Overview</h2><p>The Kotak 811 #DreamDifferent Credit Card is a completely free credit card with no joining or annual fees. Earn reward points on every transaction and enjoy exclusive discounts on dining, shopping, and entertainment.</p><h3>Key Benefits</h3><ul><li>Zero joining and annual fees (lifetime free)</li><li>4 reward points per ₹150 spent</li><li>Welcome bonus of 500 reward points</li><li>Exclusive discounts on partner merchants</li><li>Fuel surcharge waiver</li></ul><h3>Fees & Charges</h3><ul><li>Joining Fee: Nil</li><li>Annual Fee: Nil (Lifetime free)</li></ul>
Key Features & Benefits
Welcome bonus of 5,000 reward points
4 complimentary airport lounge access per year
Fuel surcharge waiver at all petrol pumps
1% cashback on all online transactions
Zero liability on lost card transactions
EMI conversion facility available
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | FREE |
| Annual Fee | FREE |
| Late Payment Fee | Up to ₹1,300 |
| Over Limit Fee | ₹500 |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
Age
21 - 60 years
Income
₹3 Lakhs per annum
Employment
Salaried or Self-Employed
Credit Score
750 or above