All cards / Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
A secured, lifetime-free credit card issued against a Kotak Fixed Deposit — ideal for first-time credit builders or those without income proof, though rewards and perks are minimal.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Online shopping2%
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 18–75
Benefits
- Credit limit set upfront at up to 90% of the linked Fixed Deposit amount — no separate income proof needed
- 1% fuel surcharge waiver on transactions ₹500–₹3,000, capped at ₹3,500/year; railway booking surcharge also waived, capped ₹500/year
- Interest-free period on cash withdrawals of up to 48 days against the FD-backed limit
Pros
- + Lifetime free — no joining or annual fee
- + No income proof or credit history needed, only an FD
- + Fuel and railway surcharge waivers
Cons
- − Requires locking funds in a Fixed Deposit to get the card
- − Low reward point value and no lounge or travel benefits
Applying takes you to Kotak Mahindra Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.