Dream Different Credit Card
Enjoy a lifetime free credit card
Unlock credit limit up to 90% of your FD
Build your credit score along the way
Earn and spend in reward points
Make dream investments, differently
Book a Fixed Deposit for as low as ₹5,000 and unlock your #DreamDifferent credit card. No credit score or income proof needed.
Raise the bar, on the go
Boost your credit score and unlock FD free credit cards by paying your credit card bills on time.
Expect no nightmares
- Credit Card Against FD
- No hidden costs
- Lifetime free credit card
- Credit limit disclosed upfront
Have fun paying with reward points
Redeem your reward points to book flights, buy movie tickets, and do much more. 1 reward point equals ₹0.25.
Apply for Credit Card
Redeem your reward points to book flights, buy movie tickets, and do much more. 1 reward point equals ₹0.25.
Apply for Credit CardBuckle up for milestone rewards
Get ₹750 cashback or 4 free PVR movie tickets when you spend ₹75,000 in a year
Make life easier. Get your 811.
Open your accountAsk Kotak811
Frequently Asked Questions
You are eligible for the 811 #DreamDifferent credit card if:
- You are a resident of India between the age of 18-75 years, and
- You book an individual Fixed Deposit of a minimum ?5,000
NRI customers can apply for the #DreamDifferent credit card through the offline process.
Add-on card holders should be 18 years or above.
Joining Fees - NA
Annual Fees - Nil
Condition for waiver of Annual Fees - First Year - NA
Condition for waiver of Annual Fees - Second Year - NA
Addon card Fees - Nil
Interest Charges on outstanding Balances* - 3.50% (Annualized 42%)
No, you don't need to submit any documents to apply for the 811 #DreamDifferent credit card. The entire application is online.
No, you don’t need any income proof to apply for the 811 #DreamDifferent credit card.
You can track your 811 #DreamDifferent credit card application. Keep your application number handy to track your credit card application.