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Kotak Mahindra Bank

Kotak 811 Dream Different

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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹15,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

online2%(cap ₹500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Always Lifetime Free.

✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸Easy to get with Kotak 811 savings account
  • ▸Good zero-fee starter card

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹15,000

Effective Rate

1.3%

Ranked #44 of 173 cards#44

🏷️ Best For

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