Kotak Mahindra Bank · Secured (FD), Lifetime free, Entry-level
Kotak 811 Dream Different Credit Card
Best for credit-building for new-to-credit users.
Terms as of 2026-09 · Checked 28 September 2026Annual fee
Free
Joining FreeKotak 811 Dream Different Credit Card at a glance
Joining feeFree
Annual feeFree
Base reward valueSee rewards
Forex markup—
Network—
IssuerKotak Mahindra Bank
CategorySecured (FD)
Fee waiverLifetime free; secured against Fixed Deposit
Who it suits: Credit-building for new-to-credit users
Rewards & cashback
Travel, lounge & fuel benefits
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free; secured against Fixed Deposit |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Secured against FD |
| Age | 21-65 (add-on 18+) |
| Credit score | 750+ improves approval chances |
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Frequently asked questions
What is the annual fee of the Kotak 811 Dream Different Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free; secured against Fixed Deposit.
Who is eligible?
Secured against FD. A CIBIL score of 750+ improves approval chances.
Is the Kotak 811 Dream Different Credit Card good for me?
Best for: Credit-building for new-to-credit users. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: kotak.bank.in, 2026-09. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Kotak Mahindra Bank’s website before applying. FinancePortal is not affiliated with the issuer.