Kotak 811 DreamDifferent Credit Card Review

Kotak 811 DreamDifferent Credit Card applies online without any income documents. This is a Lifetime free credit card with an FD basis.

Kotak 811 DreamDifferent Credit Card Benefits & Features

Enjoy the benefits of interest-free cash withdrawals, rewards on all purchases, a credit limit of up to 90% of your term deposit amount, and a free Credit Card for life all with the Kotak 811 DreamDifferent Credit Card.

Reward Benefits

• Earn 2 reward points against every Rs. 100 of online spends
• Earn 1 reward point against every Rs. 100 of other spends
  

Welcome Benefits

• Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
  

Interest free cash withdrawal Benefits

• You can withdraw cash up to 90% of your total credit limit
  

Fuel & Railway Surcharge waiver

• 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000 (max. Rs. 3500/year)
• 1.8%  for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year)
  

811 DreamDifferent Shield Benefits

• In case your Credit Card is stolen, you get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre reporting

Extrra Features

• Balance Transfer- Processing fee of Rs. 349 per Rs. 10,000
• Add-on Card- all the benefits that you enjoy on your Card

Kotak Dream Different Credit Card Eligibility

• Primary cardholder must be age between 18 to 75
• Minimum FD Amount – Rs. 10,000
• Only Individual TDs are allowed
• Applicant should be a resident of India
• NRI customer can only apply via offline process

Necessary Documents for Kotak Dream Different Card Application

• PAN card
• Residence proof- any one of the following:

1. Passport
2. Driving License
3. Voter ID Card
4. Aadhaar card

• Identity proof- any one of the following:

1. Passport
2. Driving license
3. Voter ID Card
4. Aadhaar card
5. PAN card

Kotak Dream Different Credit Card Charges & Fees

Type of Charge	Charges
Joining Fees	Nil
Annual Fees	Nil
Add-on card Fees	Nil
Interest Charges on outstanding Balances*	3.50% (Annualized 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	10%
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	Rs. 300
Over Limit Charge	Rs. 500
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived
Fuel Surcharge (1% on transaction)**	Waived
Fee for Cash payment at Bank	Rs. 100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Rs. 100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived

Late Payment Charges

Total Amount due	Charges (Rs)
Rs. 0 up to Rs. 500	100
>Rs. 500 up to Rs. 10,000	500
>Rs. 10,000	700