Advertisement
Joining Fee
₹0
Annual Fee
₹0
Reward Rate
2% cashback on online spends; 1% on all offline spends
Lounge Access
None
Forex Markup
3.5%
Fuel Waiver
1%
Advertisement
Key Features & Benefits
  • ✦2% cashback on all online spends
  • ✦1% cashback on all offline spends
  • ✦Zero joining fee and zero annual fee — forever
  • ✦Instant card issuance via Kotak 811 app
  • ✦Built-in UPI-linked payments
  • ✦Contactless payments enabled
  • ✦EMI conversion on large purchases
  • ✦Add-on cards for family
  • ✦Zero lost card liability
Advertisement
Welcome & Joining Benefits
  • ✦Check bank's official website for current benefits
Milestone Benefits
  • ✦Check bank's official website for current benefits
Pros & Cons

✓ Advantages

  • ✓Completely free — no fee ever
  • ✓Instant issuance — virtual card in minutes
  • ✓Good cashback for a free card (2% online)
  • ✓Works as UPI-linked card via Kotak 811 app

✗ Disadvantages

  • ✗No lounge access
  • ✗3.5% forex
  • ✗Requires Kotak 811 savings account first
  • ✗Lower cashback than paid alternatives
Frequently Asked Questions
Do I need to open a Kotak 811 account first?
Yes — you need to first open a Kotak 811 zero-balance savings account (entirely online, instant), and then apply for the DreamDifferent credit card within the app. The entire process is paperless.
Advertisement
Compare Similar Cards
Advertisement