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rupaybasiccredit
Kotak 811 #DreamDifferent Credit Card
Kotak Mahindra Bank
shoppingonline
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1% points
Foreign Markup
3.5% on all international transactions
Interest Rate
3.75% Per Month
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
Rewards
1 Reward Point on every ₹100 spent, 4 Reward Points on every ₹100 spent on online transactions.
Redemption
1 Reward Point = ₹0.20
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 4%(4 Reward Points/₹100 for Online Spends) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 4 Reward Points/₹100 | online |
Benefits & Features
1% Fuel Surcharge Waiver for All Transactions Between ₹500 & ₹4,000
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Cash Advance₹300 per ₹10,000 withdrawn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 years
Available Networks
rupay
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