Kotak 811 #DreamDifferent
Kotak 811 #DreamDifferent
Kotak Mahindra · Visa / RuPay · Entry card
Maximise rewardsOnline shoppingBeginners
Kotak 811 #DreamDifferent is a lifetime-free entry card from Kotak Mahindra on the Visa / RuPay network, with a forex markup of 3.5%.
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Key facts
Annual fee
Nil (lifetime free)
International lounges
None
Highlights
- Lifetime free digital-first card
- 2X reward points on online spends
- Friendly approvals for new-to-credit users
Reward / value-back rates
| Online shopping | 2% |
| Dining | 1.5% |
| Travel | 1% |
| Fuel | 1% |
| Groceries | 1.5% |
| Bills & utilities | 1% |
| Everything else | 1% |
Indicative value-back by category. Actual earning depends on caps, milestones and exclusions — confirm on the issuer's website.
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