Card Profile · Updated 2 July 2026
Kotak 811 #DreamDifferent Credit Card
Key features
- No joining fee and no annual fee — lifetime free card
- 4 Reward Points per ₹100 on online spends; 1 Reward Point per ₹100 offline (not direct cashback; 1 RP ≈ ₹0.20)
- Available for Kotak 811 account holders with no minimum income
- Great starter card for building credit history
Apply on Kotak Mahindra Bank
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Annual fee₹0
CategoryLifetime Free
Lounge accessNone
Fee waiverLifetime Free
Specifications
Cashback
| Category | Rate | Detail |
|---|---|---|
| online | 4% | 4 Reward Points per ₹100 on online spends (equivalent to ~0.8% value back at ₹0.20 per point) |
| offline | 1% | 1 Reward Point per ₹100 on offline/in-store spends |
| Default cashback rate | 1% | All other eligible spends |
| Monthly cashback cap: ₹500 | ||
Fees
| Joining feeNo joining fee — lifetime free card | ₹0 |
| Annual feeAnnual fee nil â no waiver condition required | ₹0 |
Eligibility
Min annual incomeNo minimum
Age21 – 65 years
EmploymentSalaried & self-employed
Ready to apply for the Kotak 811 #DreamDifferent Credit Card?
Apply on Kotak Mahindra Bank
#ad PickMyCard earns a commission when you apply through this link. How we evaluate cards