Kotak 811 DreamDifferent Credit Card

Experience the advantages of interest-free cash withdrawals, rewards on every purchase, a credit limit of up to 90% of your term deposit amount, and a complimentary lifelong Credit Card with the Kotak 811 #DreamDifferent Credit Card.

No charges for joining or annual fees.
Earn 500 bonus reward points when you spend Rs. 5000/- within the first 45 days.
Get Rs. 750/- cashback on annual expenditures amounting to Rs. 75,000/-.
Enjoy interest-free cash withdrawals for up to 48 days.

Features and Benefits of Kotak 811 #DreamDifferent Credit Card

Reward Points:

  • Earn 2 reward points for every Rs. 100/- spent online.
  • Earn 1 reward point for every Rs. 100/- spent on other* categories.

Activation Offer:

  • Earn 500 bonus reward points upon card activation + Rs. 5000/- spent within the first 45 days of card setup#.

Interest-free cash withdrawal:

  • Cash withdrawal up to 90% of your credit limit.
  •  A processing fee of Rs. 300 for every Rs. 10,000/- withdrawn.
  •  No interest charged for up to 48 days on cash advances.

Balance Transfer:

  • A processing fee of Rs. 349/- for every Rs. 10,000/- transferred.
  • Continued interest-free period on fresh retail purchases.
  • Easily transfer balances from other credit cards by calling us.

Add-on Card:

  • Add-on Cards enjoy the same benefits as the primary Card.
  • Set spend limits for each Add-on Card individually.
  • Track spends separately for each Add-on Card.

Fuel & Railway Surcharge Waiver:

  • 1% surcharge waiver on all transactions between Rs. 500/- and Rs. 3000/- at petrol pumps (maximum Rs. 3500/year).
  • 1.8% surcharge waiver for transactions on irctc.co.in and 2.5% surcharge waiver at Indian railway booking counters (maximum Rs. 500/year).

Please note:

  • No reward points are offered on fuel and railway spends due to the surcharge waivers provided.
  • Reward points are not earned on cash withdrawals.
  • Rewards earned before June 15, 2020, remain unaffected.
  • The activation offer applies to cards issued on or after June 15, 2020.
  • Aqua Gold Credit Card has been rebranded to 811 #DreamDifferent Credit Card since July 15, 2020.
  • Card replacement and renewal for logo 210 (811 #DreamDifferent Credit Card – Gold variant) includes replacing both primary and add-on cards. Renewal is automated, and both cards will be renewed if held by the customer.

Milestone Program

In addition to earning reward points on your transactions, you will also be eligible for bonus offers based on achieving a spends criteria of INR 75,000 within an anniversary year*. You can choose one of the following options:

Redemption Option 1: Cashback of INR 750/-
You can claim your cashback within 3 months after the end of the anniversary year*.
Once claimed, the cashback will be reflected in your next billing cycle.

Redemption Option 2: 4 free PVR tickets
You can claim your PVR tickets within 3 months after the end of the anniversary year*.
These PVR tickets can be used for any day and any show, and they are transferable.
A Star Pass Code will be issued, which can be redeemed for online PVR movie ticket bookings at www.pvrcinemas.com.

*Anniversary year: Your anniversary year runs from the date of card issuance to the next anniversary date. For example, if your card was issued on June 30th, your milestone program’s anniversary year will run from July 1st to June 30th each year. You can check the specific period in the Milestone tab of your Mobile Banking or Net Banking.

Regarding milestone benefits, all transactions settled during the milestone period will be considered. For example, if the milestone period is from January 1st, 2021, to June 30th, 2021, any transactions settled up to June 30th, 2021, will be considered for milestone benefits. Transactions settled after June 30th, 2021, will be considered in the next milestone period.

Eligibility Criteria

To be eligible for the 811 #DreamDifferent Credit Card, please meet the following criteria:

Primary Cardholder:
– Age should be between 18 years and 75 years.
– Must be a resident of India.

Add-on Cardholders:
– Age should be 18 years and above.

Minimum Credit Limit:
– For Non-811 savings account customers: Rs. 9,000.
– For 811 savings account customers: Rs. 5,000.

Allowed Account Types:
– Only Individual Term Deposits (TDs) are permitted.

– NRI customers can only apply for the credit card through the offline process.

Frequently asked questions (FAQs)

1. How can I apply for the Kotak 811 #DreamDifferent Credit Card?
You can apply for the credit card online through the Kotak Mahindra Bank website or by visiting a branch in person.

2. What are the fees associated with the credit card?
The Kotak 811 #DreamDifferent Credit Card offers no joining or annual fees. However, there may be charges for certain services like cash withdrawals or balance transfers. Please refer to the terms and conditions for detailed fee information.

3. How can I earn reward points?
You can earn reward points on your transactions. Earn 2 reward points for every Rs. 100/- spent online and 1 reward point for every Rs. 100/- spent on other categories.

4. How can I redeem my reward points?
You can redeem your reward points for cashback or choose to receive free PVR movie tickets. The redemption process and options will be provided by the bank.

5. What is the interest-free cash withdrawal period?
You can enjoy interest-free cash withdrawals for up to 48 days. However, a processing fee of Rs. 300 per Rs. 10,000/- withdrawal is applicable.

6. Is there a fuel and railway surcharge waiver?
Yes, the credit card offers a surcharge waiver of 1% on transactions between Rs. 500/- and Rs. 3000/- at petrol pumps. Additionally, there is a surcharge waiver of 1.8% for transactions on irctc.co.in and 2.5% at Indian railway booking counters.


In conclusion, the Kotak 811 #DreamDifferent Credit Card provides a range of benefits, including rewards on purchases, interest-free cash withdrawals, balance transfer options, and surcharge waivers. Make sure to review the terms and conditions, eligibility criteria, and features of the card before applying.

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