Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
rupaybasiccreditshoppingonline
Annual Fee
FREE
Base Reward
1% points
Foreign Markup
3.5% on all international transactions
4.2/5
Welcome Benefits
500 Bonus Reward Points on spending ₹5,000 or more in the first 45 days
Product Highlights
- No joining/renewal fee
- 1 Reward for every ₹100 spent
- 4 Reward Points for every ₹100 spent on online purchases
- Welcome gift of 500 bonus Reward Points
- 1% fuel surcharge waiver
- Railway surcharge waiver
Category Rewards
shopping
4 Reward Points/₹100 for Online Spends
4 Reward Points/₹100 for Online Spends
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
online
4 Reward Points/₹100
Rewards Details
1 Reward Point on every ₹100 spent, 4 Reward Points on every ₹100 spent on online transactions.
Reward Points — Redemption Value
- 1 Reward Point = ₹0.20
Benefits & Features
1% Fuel Surcharge Waiver for All Transactions Between ₹500 & ₹4,000
Pros & Cons
Pros
- No joining or annual fee
- High reward rate on online spends
- Easy redemption process
- Fuel surcharge waiver
Cons
- Limited to secured card against FD
- No rewards on cash withdrawals, fuel transactions, and railway transactions
Additional Info
Secured card against a Fixed Deposit of ₹10,000
No income proof required
Excluded Categories
cash withdrawalsfuel transactionsrailway transactions
Partner Merchants
Amazon
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup3.5% on all international transactions
Interest Rate3.75% Per Month
Cash Advance₹300 per ₹10,000 withdrawn
Eligibility
Min Age
18 yrs
Networks
rupay