Summary
Formulated for beginners with no credit history or income proof, Kotak 811 #DreamDifferent Credit Card is a secured credit card against an FD. As the FD acts as collateral and ensures an excellent credit score with responsible usage, it provides easy approval.
There is no joining fee or annual fee on this Credit card, so it is cost-effective. It provides 1% cashback on online shopping and a 1% fuel surcharge refund on fuel expenses in the range of ₹500 – ₹3,000. Customers can convert large purchases into easy EMIs, thus making payments convenient.
The card is safe and convenient to use, with an EMV chip that provides secure payments and a contactless payment feature for speedy and convenient payments. Cardholders can also withdraw cash if needed, although there are charges involved.
Introduction
If you wish to get a credit card that is easy to get, provides you with exciting rewards, and helps build your credit history, then the Kotak 811 #DreamDifferent Credit Card is perfect for you. This credit card is exclusively meant for new credit card users who have no credit history but wish to enjoy the benefits of a credit card.
One of the best things about this card is that it is a secured credit card, and therefore, you don’t need to worry about strict eligibility criteria. You can get this card by registering for a Kotak 811 savings account and keeping a fixed deposit (FD) as security. Since it is attached to an FD, there are good chances of your application getting approved, and you can use the card without any hassle.
It is difficult for most to get a first credit card because banks require a good credit history or proof of stable income. This card solves that as it allows you to get a credit card just by making a fixed deposit. Whether you are a student, a freelancer, or just entered the workforce, this card provides you with financial freedom while allowing you to build a good credit history.
Also, it offers a lot of benefits like cashback on daily spends, easy EMI options, and no membership fees. If you are looking for a hassle-free, reliable, and rewarding credit card, then the Kotak 811 #DreamDifferent Credit Card is worth looking for.
What is the Kotak 811 #DreamDifferent Credit Card?
The Kotak 811 #DreamDifferent Credit Card is a secured credit card offered by Kotak Mahindra Bank. It is for those who are new to using credit cards or have no credit history. It differs from regular credit cards in that this one is opened against a fixed deposit (FD), which is a simpler method of approval without the need for income proof.
With this card, you can choose to enjoy benefits such as cashback on spends, simple EMI facility, and no joining fee. It also assists in developing your credit score, with timely payments making your credit report stronger. If you are looking for a hassle-free and convenient option to begin using a credit card, the Kotak 811 #DreamDifferent Credit Card is an ideal option.
What is the design of the Kotak 811 #DreamDifferent Credit Card?
The Kotak 811 #DreamDifferent Credit Card appears sleek and trendy. This card has a dark blue, premium, and fashionable appearance. This card has the Kotak Mahindra Bank brand logo on the top left and the #DreamDifferent brand logo on the front.
The card also comes with an embedded chip for secure transactions and a contactless payment facility, where you can make payments easily by simply tapping the card. The card is sleek but not so complicated, hence it’s similar to a premium credit card without being too complex to use for day-to-day transactions.
What are the benefits of the Kotak 811 #DreamDifferent Credit Card?
Here are the prime benefits, including real reward points:
1. Cashback on Spending
- Earn 1% cashback on every online purchase and shopping.
- For example, if you make a purchase worth ₹10,000 online, you get back ₹100 in cashback.
2. Fuel Surcharge Refund
- Earn a 1% fuel surcharge refund for buying fuel from Indian fuel outlets.
- If you buy ₹2,000 fuel, you get ₹20 in savings.
3. Easy EMI Conversion
- Convert costly purchases into EMIs for hassle-free payment management.
- No need to pay the total amount upfront.
4. Construct Your Credit Score
- As it is a secured credit card, it helps you construct your credit score when you pay on time.
5. No Joining Fee & Low Fees
- No joining fees on the card, and low charges, perfect for starters.
- Low annual fee compared to other credit cards.
6. Contactless Payments
- Tap and go in the stores for fast and safe payment.
What are the fees for the Kotak 811 #DreamDifferent Credit Card?
Here is a simple Kotak 811 #DreamDifferent Credit Card fee breakup.
| Joining Fee | ₹0 (No charges for getting the card) |
| Annual Fee | ₹0 (No yearly maintenance charges)\ |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance. |
| Cash Advance Fee | 3.5% of the amount withdrawn or ₹300, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Kotak 811 #DreamDifferent Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get a Kotak 811 #DreamDifferent Credit Card?
The documents that you will have to submit to Get a Kotak 811 #DreamDifferent Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak 811 #DreamDifferent Credit Card be used?
Here is the list of places where you can use it:
- With the Kotak 811 #DreamDifferent Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Kotak 811 #DreamDifferent Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Kotak 811 #DreamDifferent Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Kotak 811 #DreamDifferent Credit Card?
The credit limit of the Kotak 811 #DreamDifferent Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Kotak Bank once you have made your application.
How do you apply for a Kotak 811 #DreamDifferent Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of Kotak Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Kotak 811 #DreamDifferent Credit Card.
- Just hover your cursor on the Kotak 811 #DreamDifferent Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Kotak Bank branch to apply for the Kotak 811 #DreamDifferent Credit Card.
- Request for the credit card application form for the Kotak 811 #DreamDifferent Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the DreamDifferent Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Kotak 811 #DreamDifferent Credit Card in 2025 be right?
Yes, getting a Kotak 811 #DreamDifferent Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.
Conclusion
The Kotak 811 #DreamDifferent Credit Card is the perfect option for students, beginners, freelancers, and any other individual wanting to obtain his/her first credit card. It differs from other regular credit cards that need an individual to possess a good credit score or prove income since the Credit card is backed by a fixed deposit (FD), and as such, not difficult to approve.
One of the biggest benefits of having one is that there is no joining or annual fee, so you don’t have to pay anything extra with this card. You will get 1% cashback on online spending, a 1% waiver of the fuel surcharge, and convenient EMI facilities for larger spending. This is an effective as well as rewarding choice for daily spending.
Another great aspect is that it helps build your credit score. Since it is secured, it helps boost your CIBIL score when you settle bills and utilize the card wisely, which can subsequently help you in availing loans or improved credit limits.
Frequently Asked Questions (FAQ’s)
Ans: Yes, you can take cash out of ATMs, but a cash withdrawal charge of ₹300 or 3.5% of the amount (whichever is greater) will be levied.
Ans: Yes, it is possible to convert value payments into hassle-free EMIs with interest ranging between 12-15% annually.
Ans: Yes, it also carries a tap-and-pay facility through which one can pay securely in the absence of PIN for value transactions.
Ans: If you don’t pay an amount due, a charge will be applied for a late payment based on the outstanding balance. It can also harm your credit score.
Ans: Yes, you can enhance your credit limit by increasing your FD amount since your card limit is tied to your FD.
