Card Details
811 Dream Different Credit Card
Card Issuer
Kotak Mahindra Bank
Joining Fee
₹500
Annual Fee
Zero
Reward Type
Cashback
Card Access
Standard
Offers from Kotak Mahindra Bank
See allZepto: 10% instant discount up to ₹125 on minimum transaction of ₹999 using Kotak Credit Card.
Grocery & Essentials · till 9 Nov 2026
Tata CLiQ: Tata CLiQ Fashion & Luxury offer - 12.5% instant discount | Minimum transaction ₹3,000 | Maximum discount ₹1,000 on select Kotak Bank Credit Cards at Tata CLiQ Fashion & 12.5% instant discount | Minimum transaction ₹7,500 | Maximum discount ₹2,500 | Valid on select Kotak Bank Credit Cards at Tata CLiQ Luxury
Shopping Deals · till 30 Nov 2026
The Bombay Sweet Shop: Flat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on both online (www.bombaysweetshop.com, Swiggy, Zomato) and offline stores
Dining & Food Deals · till 30 Nov 2026
Anantara Vacation: Upto 80% instant discount at Anantara Vacation Club via Kotak Solitaire & White Reserve Credit Cards
Travel Deals · till 20 Dec 2026
PVR INOX: Get PVR Voucher worth 400 on PVR INOX card approval through the PVR app
Entertainment Deals · till 31 Dec 2026
Earn Points
2%
Cashback on eligible spends in a billing cycle with ₹15,000+ spend
2%
Cashback on rupay upi spends (counts toward ₹500 total)
Benefits
No annual fee
- No annual fee; joining fee of ₹500 (incl. GST) for cards from 1 Sep 2026
1% fuel surcharge waiver
- 1% fuel surcharge waiver at petrol pumps on ₹500–₹4,000 transactions, up to ₹3,500 a year
Railway surcharge waivers
Secured card against a Kotak FD
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, railways, cash
Estimated Returns
Online spends
4 RP per Rs 100 online. 1 RP = Rs 0.20.
₹240
Offline spends
1 RP per Rs 100 offline. Secured/FD-backed lifetime-free card.
₹0
Total Annual Return
₹2,880
0.8% Effective ROIThings to Keep in Mind
Kotak811 FD-backed page notes a ₹250 joining fee for credit limits below ₹18,000, waived at ≥₹18,000.
