Kotak811 DreamDifferent Credit Card

Yes, the card has no joining fee and no annual fee. However, if the approved credit limit is below Rs. 18,000, a one-time joining fee of Rs. 250 may apply, as per bank terms.

Cardholders earn 4 reward points per Rs. 100 on online spends and 1 reward point per Rs. 100 on offline spends. Reward points can be redeemed at a value of Rs. 0.20 per point.

The card offers 3 months of OTTPlay subscription at Rs. 1 and a Rs. 250 Woohoo voucher on spending Rs. 1,000 within the first 30 days. The welcome offer is valid till 31 March 2026.

Yes, cardholders can earn a Rs. 1,000 voucher every year by spending Rs. 72,000 annually. This milestone benefit makes the card more rewarding for consumers with regular online and everyday expenses.

Yes, Kotak811 DreamDifferent Credit Card provides a 1% fuel surcharge waiver, capped at Rs. 3,500 per year, helping cardholders save on fuel expenses at eligible fuel stations across India.

Applicants must be aged 18 to 75 years and open a fixed deposit of at least Rs. 10,000 for a minimum tenure of 181 days. Certain FD types like NRI and Tax Saver FDs are excluded.