Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Get instant access to loans, credit cards, and financial tools — all in one place
Scan to download on
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
1st Year Fee: ₹500* Plus Applicable Taxes
Cashback
2% cashback on everyday spends
No Fee
No annual fee from 2nd year onwards
Fuel
Save up to Rs. 3,500 on fuel every year
Author: Shruti Sharma
Claim Your FREE Airport Lounge Visit
With Kotak811 DreamDifferent Card | Apply Now
The entered number doesn't seem to be correct
Kotak Dream Different Credit Card is designed for new-to-credit- consumers looking for a credit card offering benefits on day-to-day spends. The card requires a minimum FD of Rs. 10,000 and allows a maximum FD of Rs. 20 Lakh. Cardholders can earn 2% cashback on UPI spends, along with other spends on spending Rs. 15,000 or more in a billing cycle.
Apart from cashback, the card offers basic benefits like fuel and railway surcharge waivers, and the option to convert eligible transactions into EMIs. The card also comes with a cash withdrawal limit of up to 90% of the total credit limit. Overall, Kotak Dream Different Credit Card is a suitable option for consumers looking for a credit card with cashback on UPI and other everyday transactions.
Cashback Benefits1
Other Benefits

| Particulars | Amount | ||||||
|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Applicable Taxes | ||||||
| Annual Fee | Nil | ||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||
| Late Payment Fee |
|
You are a first-time credit card user and looking for a credit card to start building your credit history
You can spend Rs. 15,000 or more in a billing cycle to earn 2% cashback
You frequently make UPI payments and want to earn cashback
You want the flexibility to convert eligible purchases into EMIs
Cashback3.0/5
Online Shopping3.0/5
Kotak Dream Different Credit Card stands out primarily because of its accessibility. The card offers 2% cashback on UPI spends along with the other spends. However, cardholders need to spend at least Rs. 15,000 in a billing cycle to earn 2% cashback, which limits the value to consumers who can spend more than Rs. 15,000 every month. Overall, this credit card is best suited for first-time credit card users and consumers who may not have a CIBIL score or income proof but want a credit card offering cashback on everyday spends.
Joining Fee: ₹ 0
Joining Fee: ₹ 0
Joining Fee: ₹ 750
Joining Fee: ₹ 0
Joining Fee: ₹ 0
Joining Fee: ₹ 1499
Joining Fee: ₹ 0
Joining Fee: ₹ 199
Everything you need to know about this credit card
Kotak Dream Different Credit Card can be suitable for consumers who may not have a CIBIL score or income proof required for a regular credit card. Applicants must meet the eligibility criteria specified by Kotak Mahindra Bank.
You can earn 2% cashback on eligible UPI spends. Additionally, you can earn 2% cashback on on other spends of Rs. 15,000 or more in a billing cycle.
The card offers 2% cashback when you spend Rs. 15,000 or more in a billing cycle. The benefit is subject to the applicable cashback terms, and cardholders can earn a maximum cashback of Rs. 500 in a billing cycle.
Yes. The card offers a cash withdrawal limit of up to 90% of the total credit limit. However, cash withdrawals may attract applicable fees and finance charges, so this facility should be used only when necessary.
Yes. The card can be a suitable option for first-time credit card users because it does not require a CIBIL score or income proof. Responsible usage and timely bill payments can help users establish their credit history over time.
Click here to know More Terms and Conditions
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
Choose a Card Matching Your Lifestyle
Please enter a valid full name
The entered number doesn't seem to be correct