Kotak811 Dream Different Credit Card
Updated on October 29, 2026
🎖️Reward Rate
Spends and UPI: 2% cashback in any billing cycle where you spend ₹15,000 or more
Overview
The Kotak811 Dream Different Credit Card is a credit card against a fixed deposit with 2% cashback on spends and UPI and no income proof needed.
Rewards
Reward Type
Cashback
Reward Rate
- • Spends and UPI: 2% cashback in any billing cycle where you spend ₹15,000 or more
- • Caps: Up to ₹500 per cycle, ₹200 of it on UPI, and ₹100 per transaction
Redemption
Cashback Claim: Claim cashback by the 15th of each month in the Kotak811 app, within 30 days
Benefits
- FD-Backed: Card issued against a fixed deposit that keeps earning interest
- Fuel Surcharge Waiver: 1% on ₹500 to ₹4,000, up to ₹3,500 a year
- Railway Surcharge Waiver: Up to ₹500 a year
- UPI: RuPay card that works on UPI
Things to Know Before you apply
Kotak811 Dream Different Credit Card Eligibility Criteria
- Age: 18–75 years
- No income proof or credit score needed. Requires a fixed deposit of ₹10,000 to ₹20 lakh.
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | ₹100 per ATM withdrawal or fund transfer. |
Fee waiver: Joining fee of ₹500 including GST from 1 September 2026. No annual fee.
PaisaSimple Review
Overall Rating
3.3/5What do we like about this card?
Rated 3.3 out of 5. The Kotak811 Dream Different Credit Card scores well for 2% cashback including on UPI, a 2% forex markup, no annual fee and approval against a fixed deposit with no income proof. It loses marks because cashback is paid only in cycles with ₹15,000 of spending, is capped at ₹500 a cycle and must be claimed in the app.
Pros
- • Easy Approval: No income proof or credit score needed
- • Cashback: 2% on spends and UPI
- • FD Interest: Your deposit keeps earning
- • Low Forex: 2% markup
Cons
- • Spend Condition: Cashback only when you spend ₹15,000 in a cycle
- • Cashback Cap: ₹500 per cycle
- • Deposit Needed: Minimum ₹10,000 FD
- • Joining Fee: ₹500
Frequently Asked Questions
What is the joining and annual fee of the Kotak811 Dream Different Credit Card?
The joining fee is ₹500 plus GST. There is no annual fee. Joining fee of ₹500 including GST from 1 September 2026. No annual fee.
What rewards does the Kotak811 Dream Different Credit Card give?
Spends and UPI: 2% cashback in any billing cycle where you spend ₹15,000 or more. Caps: Up to ₹500 per cycle, ₹200 of it on UPI, and ₹100 per transaction.
How do I redeem the rewards on the Kotak811 Dream Different Credit Card?
Cashback Claim: Claim cashback by the 15th of each month in the Kotak811 app, within 30 days.
Does the Kotak811 Dream Different Credit Card give airport lounge access?
Airport lounge access is not part of this card's listed benefits.
What is the forex markup on the Kotak811 Dream Different Credit Card?
The forex markup is 2% of the amount spent in a foreign currency.
Who can apply for the Kotak811 Dream Different Credit Card?
Applicants should be 18 to 75 years old. No income proof or credit score needed. Requires a fixed deposit of ₹10,000 to ₹20 lakh.
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- • Welcome / Onboarding Benefit: Earn 500 Reward Points on spend of ₹5,000 within 60 days of card issuance
- • Spends and UPI: 2% cashback in any billing cycle where you spend ₹15,000 or more
- • Caps: Up to ₹500 per cycle, ₹200 of it on UPI, and ₹100 per transaction
- • Online, Offline and International Spends: 4 reward points per ₹200
- • Insurance, Utilities, FASTag and Railways: 1 reward point per ₹200
- • Exclusions: No points on fuel, EMI transactions or cash withdrawals
- • Limit: Points are earned only on spends up to your credit limit in each billing cycle
- • Reward Rate: 2 Reward Points per ₹100 spent on all other categories
- • Easy Approval: No income proof or credit score needed
- • Cashback: 2% on spends and UPI
- • FD Interest: Your deposit keeps earning
- • Low Forex: 2% markup
- • No Fees: Lifetime free
- • Zero Forex: No markup on international spends
- • Easy Approval: No income proof or credit history needed
- • FD Interest: Your deposit keeps earning interest
- • Cash Withdrawals: No interest for up to 45 days
- • Spend Condition: Cashback only when you spend ₹15,000 in a cycle
- • Cashback Cap: ₹500 per cycle
- • Deposit Needed: Minimum ₹10,000 FD
- • Joining Fee: ₹500
- • Deposit Needed: Requires a fixed deposit of at least ₹20,000
- • Credit Limit: Capped at your FD value
- • Redemption Fee: ₹99 plus GST each time you redeem points
- • No Lounge Access: Airport lounges are not included